Access asset-backed opportunities
Invest in verified African productive assets — from $50 to $50 million. Every opportunity carries Baker Tilly verification, 110% MtoStable reserve backing and four-tier principal protection.
Productive asset participation — not speculation
Mto does not offer speculative instruments. We offer direct, fractional ownership in physical assets that generate yield, appreciate in value and retain wealth within local communities.
Verification Before Liquidity
No capital is accepted until Baker Tilly completes a bankability audit and GIS / SI 76 verification.
Milestone-Based Deployment
Investor funds are released only on autonomous verification of physical progress — drone, satellite and engineering logs.
Transparent Governance
On-chain ownership, real-time reporting and proportional voting rights on every asset.
Local Retention
60% of asset-generated value is retained in the community via SeedVault and UmojaSave.
Global Exit
MtoStable convertibility, Mto Card spendability and a planned DMCC Exchange listing provide liquidity pathways.
Three routes into structured opportunities
Each segment carries tailored onboarding, opportunity access and asset-management tools.
Real Estate
Fractional ownership across residential, commercial and mixed-use developments — from serviced stands to smart cities.
Serviced Stands
Ready-to-build parcels with infrastructure complete
- Min. entry
- $500
- Yield
- 12–18%
- Horizon
- 12–36 months
Residential Estates
Gated communities, apartments, affordable housing
- Min. entry
- $1,000
- Yield
- 8–12%
- Horizon
- 3–7 years
Commercial Property
Office, retail, warehousing, industrial
- Min. entry
- $5,000
- Yield
- 10–14%
- Horizon
- 5–10 years
Mixed-Use Developments
Smart cities, integrated communities, innovation hubs
- Min. entry
- $2,500
- Yield
- 10–16%
- Horizon
- 5–10 years
Infrastructure
Roads, water, renewable energy, logistics and processing facilities — with revenue tied to usage, tolls and commodity flows.
Renewable Energy
Solar cold storage, mini-grids, irrigation
- Min. entry
- $2,500
- Yield
- Usage fees + carbon
- Horizon
- Moderate risk
Water Infrastructure
Bulk supply, irrigation, harvesting
- Min. entry
- $5,000
- Yield
- Municipal + usage
- Horizon
- Lower risk
Roads & Logistics
Rural access, logistics hubs, processing
- Min. entry
- $10,000
- Yield
- Toll + throughput
- Horizon
- Moderate risk
Processing Facilities
Packhouses, mills, beneficiation plants
- Min. entry
- $7,500
- Yield
- Margin share
- Horizon
- Moderate risk
Agriculture
Commercial farming, Agri-Village aggregations and commodity-backed opportunities, with yield data as collateral and AI-driven optimisation.
Agri-Village Equity
100Ha aggregated 'Mega-Farm' shares
- Min. entry
- $5,000
- Yield
- 12–18%
- Horizon
- Annual harvest
Warehouse Receipt Finance
Post-harvest liquidity via ZMX e-WRS
- Min. entry
- $250
- Yield
- 8–15%
- Horizon
- Crop-specific
Processing Investment
Horticultural hubs, timber mills, oil processing
- Min. entry
- $10,000
- Yield
- 14–20%
- Horizon
- Year-round
Equipment & Input Finance
Irrigation, mechanisation, cold chain
- Min. entry
- $2,500
- Yield
- 10–16%
- Horizon
- Multi-year
Remote. Verified. Protected.
For the 32% of Zimbabweans living abroad, Mto eliminates the trust deficit that has kept diaspora capital from productive assets at home.
Manage assets from anywhere
Comprehensive remote asset management through the Digital Twin infrastructure — for diaspora investors, institutions and owners who need oversight without physical presence.
Basic
- Digital Twin dashboard
- Compliance reminders
- Automated scheme claims
- Quarterly satellite / drone updates
Standard
- Everything in Basic
- Monthly satellite / drone updates
- Farm operations management
- Contractor sourcing (eRA)
- Crop marketing & offtake
Premium
- Everything in Standard
- Weekly satellite / drone updates
- Residential lettings management
- Natural capital & tax planning
- Succession planning
- Dedicated account manager
Pension funds. Family offices. DFIs. Sovereign wealth.
Structured products, comprehensive documentation and regulatory-compliant frameworks — with the four-tier guarantee recognised as qualifying regulatory capital under Finance Act No. 7 of 2025.
Where capital meets verified productive assets
Open a retail account in ten minutes, or request the institutional pack for full due-diligence documentation.