Zimbabwean fintech startup Ndarama has launched a platform that bridges programmable collateral from tokenised real-world assets directly to fiat currency via mobile money, allowing users to invest as little as US$1 and access USD-denominated loans without ever using cryptocurrency or digital wallets.
Ndarama operates in the Securities and Exchange Commission of Zimbabwe (SECZIM) regulatory sandbox, and us the country’s first Collective Investment Scheme for tokenised securities, placing it under the same regulatory classification as mutual funds and REITs.
While decentralised finance platforms pioneered programmable collateral for crypto-to-crypto lending, and traditional institutions offer fiat loans without tokenisation, no pltform globally has combined regulated tokenised assets, programmable collateral, and fiat loan disbursement via mobile money—until now.
Through blockchain automation operating behind the scenes, users can invest small amounts into tokenised real-world assets such as property, use those tokens as collateral, and receive US dollar loans disbursed via familiar mobile-money platforms like EcoCash and OneMoney – without interacting with cryptocurrency at any point.
“This isn’t crypto for crypto users,” said JP Matenga, founder and CEO of Ndarama. “It’s blockchain infrastructure quietly working in the background to deliver real financial utility – real dollars, real assets, real protection – through systems people already trust and understand.”
