Miziba is infrastructure.
Not a counterparty.
The default risk in rural commodity finance is not the farmer or the commodity. It is the absence of independent verification between them and the bank. Miziba closes that gap by building the verification stack — and stays out of the trade itself.
Verification & settlement infrastructure.
We operate physical verification hubs, weighbridges, photo-documented loading, a registered farmer database, an atomic settlement engine, and a bank-side reporting portal. The bank deploys senior-secured working capital against verified, escrow-isolated, independently confirmed trades.
A lender. A trader. A guarantor.
We do not lend. We do not trade. We do not take title to commodity. We do not stand behind bank principal. Our role is to operate the verification and settlement layer; our facilitation fees are subordinated to bank principal in every instruction.
The audit trail behind every kilogram.
Every kilogram is weighed at a hub. Every loading event is photo-documented with timestamps and GPS metadata. Every escrow is held at the bank's own institution. Every release is conditioned on independent confirmation. The trail is the product.
The borrower under any TradeAxis facility.
The bank's borrower under every TradeAxis trade is an independent commodity trader — a separate legal entity from Miziba and from any aggregator. Tier separation is contractual. Detailed disclosures are provided to institutional counterparties under non-disclosure agreement.
A single discipline.
Applied at every stage.
Our verification methodology is the same on the smallest pilot trade as it is on the largest programme cycle. The structure is documented. The trail is independent. The settlement is contractual.
Verify at the source.
Every kilogram is weighed on calibrated scales at a physical hub. Quality grade is independently sampled before any capital deploys. The base of the audit trail is physical.
Isolate the funds.
Trade finance and buyer pre-funded capital are held in segregated escrow at the bank's own institution. No commingling. No set-off. No third-party encumbrance.
Settle atomically.
A single buyer-payment instruction triggers the full tier sequence — bank principal first, fee second, facilitation fees subordinated, trader margin last. Contractual. Immutable.
Report continuously.
The bank receives real-time visibility of every escrow balance, every loading event, every settlement instruction and every exception flag through the Finance Partner Portal.
Six years at the base
of the trade.
Our anchor aggregator JNI AGRI Ltd posted GHS 102.5M in FY2025 audited revenue across Northern Ghana, on a six-year operating base. The verification stack TradeAxis is built on is real, recorded and independent.
Across more than GHS 100 million in annual revenue, the anchor has not defaulted on a financing line. Not once. That track record told us something the market did not yet know how to price.
Three buyer profiles.
One infrastructure.
The same independent trader, financing the same physical commodity, settles into three different capital structures depending on who the buyer is and where the trade ships. The verification is shared. The protection is matched to the risk.
Offtake-backed.
Senior-secured working capital structured against a registered offtake assignment to an established domestic processor. The buyer settles directly into bank-held escrow.
Dual-escrow.
For domestic processors and aggregators without bank-grade payment history. The buyer pre-funds the trade into a ringfenced escrow before any procurement begins. The bank lends only after the buyer has paid.
BL-controlled.
USD-denominated export trade with bill of lading consigned to the bank. Pre-shipment inspection by an internationally recognised inspector. Goods do not clear destination port without bank confirmation.
Detailed product specifications, capital structures, protection layers and recovery modelling are provided to qualified institutional counterparties under non-disclosure agreement.
Five operating modules.
One auditable trade.
Every TradeAxis trade flows through five operating modules. Each produces an independent record. Together they form a continuous audit trail from farmer-gate to buyer-payment that meets the standards a bank applies to any receivable on its books.
TradePoint
Physical verification hubs across Northern Ghana. Calibrated weighbridges. Every kilogram weighed and graded. Every loading event photo-documented with timestamps and GPS coordinates. The base of the audit trail.
TrackGuard
GPS-tracked transport from TradePoint hubs to buyer warehouse or port of loading. Geofenced check-in events. Time-on-route monitoring. Anomaly flags pushed to the bank-side portal in real time.
TradeVault
Atomic waterfall settlement. A single buyer-payment instruction triggers the full tier sequence in one transaction. Subordination is contractual; routes outside the sequence are structurally impossible.
TradeAxis
Trade origination, structuring and bank approval workflow. Per-trade dossier with all validation checklist items. Bank approval recorded against trade ID. Schedule under Master Facility Agreement issued automatically.
FarmerIQ
Registered farmer database with payment history, quality grading and seasonal yield records. Every aggregated kilogram traces to a registered source. Underpins know-your-supplier compliance and impact reporting.
From schedule to settlement.
Every TradeAxis trade flows through six discrete stages from origination to reconciliation. Each stage produces an independent record. The verification is sequential. The audit trail is continuous.
Trade scheduled and validated.
A new trade is scheduled under the standing Master Facility Agreement. The validation checklist runs against trader independence, offtake registration, equity commitment, source documentation and bank approval. The per-trade dossier is compiled and assigned a unique trade ID.
Commodity weighed, graded, documented.
Aggregated commodity arrives at the TradePoint hub. The calibrated weighbridge captures gross, tare and net weight. Quality grade is independently sampled. The loading event is photo-documented with timestamps and GPS coordinates.
Funds enter segregated escrow.
Bank capital deploys into segregated escrow at the bank's own institution. No commingling with operating accounts. No third-party encumbrance. Trader equity is confirmed and locked. Where applicable, buyer pre-fund is confirmed in a ringfenced escrow.
GPS-tracked from hub to destination.
Transport moves under continuous GPS monitoring from the TradePoint hub to buyer warehouse or port of loading. Geofenced check-in events fire at each waypoint. Time-on-route is monitored. Any anomaly pushes immediately to the Finance Partner Portal.
Single instruction. Full waterfall.
The buyer settles directly into bank-held escrow against the trade. A single payment instruction triggers the atomic waterfall in one transaction — bank principal first, fee second, facilitation fees subordinated, trader margin last. The sequence is contractual; routes outside it are structurally impossible.
Trade closed. Trail archived.
The per-trade settlement record is archived. Bank confirmation closes the audit trail. Source-of-supply attribution to registered farmers is updated in FarmerIQ. Programme metrics roll up to monthly and quarterly bank reports through the Finance Partner Portal.
Northern Ghana.
Six regions. The corridor.
Northern Ghana produces the majority of the country's tree-crop and dry-cereal exports. Our network of TradePoint hubs spans six administrative regions and over 150 villages, with calibrated infrastructure at the points where commodity moves from farm-gate to processor or vessel.
- Northern Region
- North East Region
- Savannah Region
- Upper East Region
- Upper West Region
- Bono East Region
Tree crops, oilseeds, dry cereals.
- Cashew
- Shea
- Sesame
- Cocoa
- Soya
- Sorghum
- Groundnut
Each commodity moves through our verification stack on the same standards: weighed at a hub, photo-documented at loading, escrow-isolated, and independently confirmed before any release of bank capital.
Operators. Not spectators.
The team behind Miziba has spent the last six years inside Northern Ghana's commodity trade — at the hubs, at the weighbridges, in the escrow agreements. The infrastructure is built by the same people who use it.
Joel NtiAmoah Marfo
Architect of the TradeAxis programme
Joel founded Miziba to close the verification gap between Northern Ghana's farms and institutional capital. He brings six years of operating experience at the base of the rural commodity trade and leads programme strategy, institutional relationships, and product design.
Daniel Sarkwa Ohene
Capital partnership architecture
Daniel leads capital partnership architecture and institutional engagement at Miziba. He owns the bank engagement workstream — the parallel five-bank engagement with UBA Ghana, Fidelity Bank, FNB Ghana, Absa Ghana and Development Bank Ghana — and the concurrent DFI engagement.
The Miziba and JNI AGRI Ltd leadership teams span verification (Miziba) and aggregation (JNI AGRI Ltd) under structural separation of duties. The full team — including Priscilla Ohene Djan (CFO, JNI AGRI Ltd) and Jennifer Dadza (COO, JNI AGRI Ltd) — is profiled on the leadership page.
An institutional partnership model.
Miziba is built to be partnered with — not used. We work with banks and DFIs on the capital side, with insurance underwriters and guarantee providers on the protection side, and with aggregators, processors and farmers on the supply side. Each relationship is governed by clear documentation.
Banks & financial institutions
Senior-secured working capital deployment under a single Master Facility Agreement. Per-trade approval at pilot. Delegated authority post-graduation. Standard institutional reporting cadence.
DFIs & guarantee providers
Partial credit guarantee structures and capacity facilities for portfolio scale. Pari-passu cover at the programme level. Integrated reporting against impact and additionality metrics.
Insurance underwriters
Trade credit cover, marine cargo, war and strikes endorsements. Quality-rejection cover at the loading event. Underwriting framework integrated with our verification stack and reporting portal.
Aggregators & processors
Pathway for additional aggregators to participate in the verification network as Tier 2 source of supply. Onboarding standards documented; integrity firewalls between aggregation and trade are contractual.
Farmers & cooperatives
Same-day payment at the TradePoint hub. Quality grading transparently recorded. Registration in FarmerIQ provides a cumulative payment record that supports access to formal financial services over time.
Government & regulators
We engage transparently with the Bank of Ghana, the Ministry of Food and Agriculture, Ghana Export Promotion Authority, and other relevant institutions on regulatory framework, export licensing and rural finance policy.
Built to institutionalise
what already works.
Rural commodity trade in Ghana clears trillions of cedis a year through informal channels. The volume is not the problem. The verification is.
Miziba was founded on the premise that the gap between Northern Ghana's farms and institutional capital is bridgeable — not by lending, not by trading, but by building the verification infrastructure that lets a bank finance a rural commodity trade with the same confidence it finances a corporate receivable.
We are an infrastructure company. We do not take credit risk on the commodity. We do not take title to goods. Our role is to operate the verification, escrow and settlement layer that makes institutional finance auditable at the base of the trade.
The TradeAxis programme is the first product expression of that infrastructure. It runs in three structures matched to three buyer profiles, on a single shared verification stack, under a single legal framework.
Build the infrastructure with us.
We are growing a small, exceptional team across hub operations, software engineering, programme management, and finance and risk. If you want to do work that compounds — work where every trade settled is one more entry in an audit trail that didn't exist before — we want to hear from you.
Express interestTalk to us.
Each enquiry routes to the right desk. For institutional partnerships — banks, DFIs and insurance underwriters — please use the partnerships line.
We respond to every institutional enquiry within two business days. For time-sensitive partnership discussions please flag the urgency in the subject line.
Accra, Ghana
Office hours: Mon–Fri · GMT