$1
Minimum investment
SECZIM
Regulator
Kreston Zimbabwe
Custodian
21–24%
Expected return
Getting started in 3 steps
Registration takes a few minutes. KYC verification is typically approved within 24–48 hours.
Create your account
Register with your name, email, and mobile number. Individuals need a National ID or Passport. Companies need their Certificate of Incorporation, CR14, and CR6. Trusts need the Trust Deed and trustee IDs.
Complete KYC verification
Upload your ID and a recent proof of address (utility bill or bank statement under 3 months). Our team reviews and approves your account, usually within 24–48 hours. No formal proof of address? Contact us — we will work with you.
Fund and invest
Pay via EcoCash, OneMoney, or bank transfer. Your payment goes directly into the Kreston Zimbabwe trust account. Once confirmed, tokens are issued to your Ndarama wallet and you are an investor.
Four ways to use Ndarama
Your tokens work harder than money sitting in a bank. Invest, trade, lend, and borrow — all from one wallet.
Fractional property investment
Each project is divided into tokens at $1 each. You buy as many tokens as you like — even just one — and own a proportional share of the underlying property. When the property sells, proceeds are distributed to your wallet based on your token count.
Choose a project
Browse live projects on the platform. Each listing shows the property details, total tokens, price per token, target return, and expected timeline.
Pay via mobile money or bank transfer
Pay using EcoCash, OneMoney, or bank transfer. Your payment goes directly to the Kreston Zimbabwe trust account — never to Ndarama's operating funds.
Receive your tokens
Once payment is confirmed, tokens are issued to your Ndarama wallet. You can view your holdings, transaction history, and projected returns in your portfolio.
Earn returns when the property sells
When the project completes and the property is sold, proceeds are distributed to all token holders proportionally. Payment is made to your nominated bank account within 7 business days of the sale.
Graylands Park — current project
What you own
What you do not own
Your money is protected at every step
Three independent layers stand between your investment and any risk.
SECZIM regulated
Ndarama is the first blockchain investment platform approved by SECZIM under Zimbabwe's regulatory sandbox, authorised as a Collective Investment Scheme and VASP under the Finance Act 2025.
Kreston Zimbabwe custody
All investor funds and property titles are held by Kreston Zimbabwe — entirely separate from Ndarama's operating accounts. If Ndarama ceased operating, your assets would remain protected.
Real asset backing
Every token represents a share of a real, physical property with an independently verified value. This is not speculative — your investment is anchored to land and bricks.