Four primitives underneath every Miziba product.
Build, Trade and Capital look different on the surface. Underneath, they run on the same four things — verified identity, escrowed money, independent verification, and permanent records. Prove them in one market; share them once earned.
Anyone can build a listings site. The moat is the layer beneath it — where money is held, work is checked, people are known, and every event becomes a record institutions can trust.
Work, verified
Independent, certified professionals whose signed verdicts move money — not reviews, not self-reporting. Verification is the event everything else waits on.
Qualified people only
Verifiers are drawn from recognised professional bodies — GhIE, GIA and GhIS engineers, architects and surveyors — accountable to their institutes.
Engaged by Miziba
The verifier is engaged by Miziba, never by the party being checked. No one signs off on their own work, and no one releases their own money.
Photos, drone, reports
Each inspection captures structured evidence — imagery, measurements and reports — attached to the milestone it verifies.
A verdict that counts
The verdict is signed by a named professional and its evidence hashed into the audit record — a decision money can act on.
Everyone is known
KYC on every participant before they can transact — national identity, company registry, licence, tax and insurance status. A registry, not a marketplace.
Verified at the door
National identity confirmed for individuals and company-registry checks for businesses — before any money or work begins.
Licence, tax, insurance
Professional licence, tax status and insurance cover checked against issuing institutes and registries, and kept current.
Membership, not listing
Verified members become discoverable to clients and financiers. Discovery is a by-product of verification, never a paid placement.
Separation of duties
Every actor has a defined role — client, contractor, inspector, financier — and no role can perform another's, by design.
Money that waits
Escrowed funds held with licensed partners under Ghana's Act 987, released strictly against verified milestones — and, in trade, distributed so the bank is repaid first.
Held, not touched
Client funds sit with licensed banking and payment partners under Act 987 — Miziba operates the control layer, never the account.
Only on verification
Funds leave escrow only against an independent, signed event. No verdict, no release — and no role can release its own money.
Bank repaid first
In trade, one ring-fenced account distributes proceeds in a fixed order: senior principal recovers in full before anyone else is paid.
Milestones & holdbacks
Milestone escrow tied to the bill of quantities, with retention managed automatically through to project completion.
Data that compounds
Every verified event becomes underwritable history — the record no listings site can copy. Reputation is computed from what happened, not from what people say.
Immutable record
Every transition of money or state — actor, timestamp, evidence hash — written append-only. The artefact banks, insurers and courts require.
Earned, never reviewed
Scores computed from verified releases, inspections and rulings — portable proof of performance that can't be faked or bought.
Real-time portal
Financiers see escrow, loading, inspection and settlement events as they happen — not in a monthly report.
Priced-down risk
Verified receivables and inspection data let institutions underwrite on truth instead of paper — lower loss ratios, honest premiums.
How they compound
No primitive is valuable alone. Together they form a loop: identity makes verification meaningful, verification gates settlement, settlement generates data, and data deepens the trust that pulls in more volume — feeding every primitive again.
Proven in one market at a time. Shared only once earned.