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Proof, before payment.

Every step of a commodity trade, on one record the bank can read.

Miziba records each step of a trade, from the hub scale to settlement, so the supplier, trader, buyer and bank each read their part. It never buys, sells or holds money.

Create an accountSee how a trade moves

Shea, cashew, sesame, soya and sorghum. Local trade and export. Already on Miziba? Log in

Specimen trade recordMZ-T-SPECIMEN
Commodity
Shea kernels, 30 tonnes
  1. Day 1, 11:15Registration validatedMiziba operations. Buyer, documents and specification on file
  2. Day 3, 09:30Advance and equity in escrowPartner bank. Held at the bank, under the trade’s reference
  3. Day 4, 10:42Weighed at the hub: 30,000 kgTwo field officers. Calibrated weighbridge; the aggregator’s quality statement signed
  4. Day 4, 14:10Loaded and sealedTwo field officers. Seal SL-0457721; the transporter accepted the trip
  5. Day 5, 17:20Receipt signed: 29,940 kgThe buyer’s gate. Seal intact; the seven-day quality window opens
  6. Day 12, 17:20Quality window closedThe record. No written objection; the retention released to the supplier
  7. Day 22Paid in the fixed orderPartner bank. The advance, the bank’s fee, Miziba’s fees, then the trader
Each event is recorded once, by the party who was there, and never edited afterwards. Illustrative: no live trade data appears on this site.
2officers sign every loadingWeight, count and seals, signed at the hub.
7days to accept or objectSilence releases the retention to the supplier.
1fixed payment orderThe bank is paid first, the trader last.
0trade money held by MizibaAny money held sits in escrow at a partner bank.

Trade here does not lack buyers. It lacks evidence.

A bank financing a trade sees an invoice and, weeks later, a repayment or a dispute. The goods stay out of sight, so trade runs on cash and personal trust.

About 25%of trade finance demand met in Côte d’Ivoire, Ghana, Nigeria and Senegal. IFC and WTO, 2022.
US$14 billiontrade finance gap across those four economies. IFC and WTO, 2022.
US$710.3 millionof non-traditional agricultural exports from Ghana in 2025. Ghana Export Promotion Authority.
What a bank sees todayWhat it reads on Miziba
An invoice and a photographed bill of ladingA loading checklist signed by two officers
Weeks of silence after disbursementA tracked trip, with exceptions logged
A dispute with no shared recordA gate receipt, a quality decision and a fixed settlement

How a trade moves

Recorded the same way on every trade, local or export, by the person who was there.

Hub loading checklistDay 4
Gross weight
30,000 kg
Bags counted
600 × 50 kg
Seals
SL-0457721, SL-0457722
Photographs
12 attached
Aggregator’s quality statement
Signed
Field officer Asigned 10:42
Field officer Bsigned 10:44

Specimen. One officer cannot complete a loading alone.

  1. 01

    Registered

    The trader names the trade. Miziba operations validate it.

  2. 02

    Funded

    Any money goes into escrow at a partner bank. A financed trade waits for the bank’s approval.

  3. 03

    Checked and loaded at the hub

    Two officers weigh, count and seal. The aggregator states quality.

  4. 04

    Moved

    The truck is tracked. The driver carries a trip card.

  5. 05

    Delivered

    The buyer weighs at the gate. Export cargo passes to the forwarder at Tema or Takoradi.

  6. 06

    Settled

    The partner bank pays out in the fixed order.

When a trader funds a trade alone, no money passes through escrow. The record is the same.

One record. Each party reads its own part.

A buyer never sees the trader’s margin. A bank never sees another bank’s trades.

Traders and exportersTake larger orders with purchase finance against your own equity.For tradersAggregators and cooperativesOn escrow-funded trades, paid 90% when the truck is loaded.For aggregatorsBuyers, in Ghana and abroadPay into escrow, follow every step, accept on your own scale.For buyersBanks and finance partnersFinance against evidence recorded by people with no stake in the trade.For banksTransporters and forwardersA light role on the phone: accept, scan, hand over.For transport

Three ways to fund a trade. One way to treat it.

Whoever funds it, the trade is recorded and paid out the same way.

Trader and buyer
pay each other directly
Partner bank, escrow
Miziba
holds nothing

Own capital

Trader and buyer pay each other directly. Miziba records the trade.

Trader and buyer
Partner bank, escrow
the full value, up front
Miziba
holds nothing

Paid in advance by the buyer

The buyer pays the full value into escrow before buying starts.

Trader and buyer
Partner bank, escrow
the advance and the equity
Miziba
holds nothing

Verified Trade Advance

A partner bank advances up to 65% against at least 35% equity from the trader, the borrower of record.

The payment order never changes

Wherever money is held, it pays out in this order. A shortfall falls on the trader’s margin first. No setting can change it.

  1. 1Finance partner’s advance
  2. 2Finance partner’s fee
  3. 3Miziba’s fees
  4. 4Trader’s margin

Neutral rails. Everything on Miziba runs on them.

Competitors can rely on one record because its keeper has no position in the trade.

How Miziba is governed and paid

Miziba does

  • Checks who each business is, by people, not an algorithm
  • Records every event, with who recorded it and when
  • Runs the rules the parties agreed

Miziba never

  • Buys, sells, or takes custody or title
  • Holds, lends or guarantees money
  • Chooses, ranks or recommends anyone

One platform, three parts.

Use one, two or all three. Each keeps its own records and its own label.

Verified trade

Each step of a financed or escrow-funded trade, verified by Miziba.

Workspace

Your own records of deals, trucks, stock and payments. Private to you.

Network

Where members find buyers and suppliers. Miziba keeps the rules and takes no share.

See the platform

Bring us a trade.

Tell us the commodity, the volume and the destination. We will show you how it would run.

Create an accountpartnerships@miziba.com

Tell us the commodity, the volume and the destination. We will show you how it would run. Create an accountpartnerships@miziba.com The platform is built. Commercial trades are scheduled to settle from October 2026, starting with a GHS 1 million bank pilot.

Miziba: proof, before payment