Where physical assets become digital wealth
Convert verified physical assets into digital tokens. Unlock liquidity. Broaden participation. Retain ownership. We do not tokenise promises — we tokenise verified, Baker Tilly-audited productive assets.
Validation first. Liquidity second.
Every tokenised asset passes through four stages before it reaches an investor's wallet.
Verify
Every asset undergoes rigorous verification before it becomes investable.
- Baker Tilly Central Africa Bankability Audits
- GIS mapping & SI 76 digital parcel registration
- Satellite photogrammetry & drone monitoring
- Engineering compliance logs (SABS / ZWS)
Tokenise
Verified assets are converted into fractional, tradable digital tokens.
- Smart contract architecture defines governance & revenue logic
- Pegged to MtoStable (110% reserve backing)
- Fractional divisibility from $25–$500
- Issued via the MRAX marketplace
Protect
Every project is protected by a cascading guarantee framework.
- Tier 1: SNIT / Credsure
- Tier 2: GuarantCo / InfraCredit SPV
- Tier 3: ATIDI
- Tier 4: Africa Re — all conditional on Baker Tilly verification
Invest & Manage
Investors access opportunities and manage assets through the ecosystem.
- Digital Twin dashboard for real-time monitoring
- LMaaS remote oversight for diaspora & institutions
- Exit via secondary market, Mto Card, or MtoStable conversion
- Automated revenue distribution via smart contract
Six stages before a single token is issued
No asset enters the Tokenisation Hub without completing the full pipeline. Only upon completion of Stage 6 may tokens be issued to investors.
Five categories of productive assets
Each has specific verification requirements, token structure and liquidity profile.
Land
Residential, commercial, agricultural & mixed-use parcels. Min. 0.1Ha (agri) / 200m² (urban).
Infrastructure
Roads, water, renewable energy, logistics & processing plants. Min. $50,000 development cost.
Agricultural Production
Standing crops, harvest rights, Agri-Village equity & irrigation. Min. 1Ha or ZMX receipt.
Timber Assets
Standing commercial timber with carbon credits bundled. Min. 5Ha verified stand.
Commodity Inventories
Stored commodities under ZMX warehouse receipt. Min. 1 tonne / 1 bale / 50kg.
Five-segment financial logic
Your wallet is not just a balance. It is a structured financial instrument engineered for velocity, growth and inclusion.
Stable Value
Universal liquidity: cash access, withdrawals, utility payments and global trade settlement in 100+ currencies.
SeedVault
Maturity-locked growth (min. 3 months). 60% of harvest/project funds retained for future cycles; gains interest on maturity.
UmojaSave
Individual, group and community savings pools yielding 5–8% APR with multi-sig security.
GrowLine
Risk-based credit (6–10%) using AI credit scoring powered by harvest and milestone data.
BoostCash
Time-bound promotional velocity to stimulate immediate local spending at specific merchants.
Turn illiquid assets into fractional, tradable wealth
Submit your asset for tokenisation, or browse tokenised opportunities backed by 110% multi-currency reserves and four-tier principal guarantees.