Trust infrastructure for Africa's real economy.
The verification, escrow and settlement rails beneath the continent's biggest markets — starting where trust breaks most: trade and construction.
Africa's real economy runs on trust it cannot verify. Miziba makes trust infrastructure.
Replace with real photography
Built where the continent actually creates value.
Homes, harvests and trade — the markets that move the most money and carry the most trust risk. That is where Miziba begins.
One institution. Sequenced products.
Every product shares the same primitives — verified identity, escrowed money, independent verification, permanent records — applied to a market where trust friction is the binding constraint.
Trade
The verification and settlement layer behind structured agricultural trade finance — capital deployed only against verified, loaded, already-sold commodity, with the bank repaid first.
Enter Trade →Build
Escrow-first construction delivery. Milestone payments released only on independent inspection — built for the diaspora and anyone who cannot stand on site.
Enter Build →Capital
Where verified data meets institutional money — banks, insurers and DFIs lending against escrowed, inspected, auditable real-economy activity.
Enter Capital →The infrastructure layer
Four primitives underneath every Miziba product. Proven in one market at a time — shared only once earned.
Work, verified
Independent, certified professionals whose signed verdicts move money — not reviews, not self-reporting.
Everyone is known
KYC on every participant — national identity, company registry, licence, tax and insurance status.
Money that waits
Escrowed funds held with licensed partners, released strictly against verified milestones.
Data that compounds
Every verified event becomes underwritable history — the record no listings site can copy.
The flywheel
Verification creates data. Data creates trust. Trust creates volume — and volume creates the institution.
Governed like an institution
Trust is a governance question before it is a technology one. Four commitments hold the whole system in place — and none of them depend on anyone's goodwill.
Written rules
Escrow logic and release conditions are fixed rules, not discretion — what can move money, and when, is defined in advance.
One primitive
Money releases only against an independently verified physical event. The party holding funds is never the party being paid.
No side of the trade
Verifiers are engaged by Miziba, never by the party being verified. The registry is neutral discovery — not a marketplace.
Auditable by design
Immutable records, independent directors, separate audit firms, related parties disclosed. The structure is the product.
Built like an institution
The moat is not software. It is licences, certified networks and verified data — assembled deliberately, in the open, under regulation.
Licensing-first
Fund-holding structured with licensed banking and payment partners under Ghana's Payment Systems & Services Act, 2019 (Act 987), Bank of Ghana.
Everything audited
Every transition of money or state writes an immutable audit record — actor, timestamp, evidence hash. The record institutions can trust.
Independence by design
Verifiers are engaged by Miziba, never by the party being verified. No role can release its own funds. Data handled under the Data Protection Act, 2012 (Act 843).
Building institutions that outlive their founders.
Not where relationships begin — where they are established, verified, and managed. Trust before products, permanence before growth.