The lifecycle is enforced in the database, not the browser. Statuses only advance when the required party performs the required action.
A borrower uploads the purchase order and supporting documents. Compliance verifies the business and the issuing corporate buyer.
Approved projects are published to the marketplace. Investors contribute from TZS 10,000 upward until the requested amount is covered.
Funded capital moves into a dedicated escrow account. Supplier payments are released against verified milestones only.
When the corporate buyer pays the invoice, the ledger distributes principal, investor return, platform fee, management fee and finally the borrower's profit.
Businesses are checked against BRELA and TRA records, individuals against NIDA, with manual compliance review as the fallback.
Investor capital never touches an operating account. Escrow movements are recorded as double-entry ledger lines.
Principal, then investor return, then platform fee, then management fee, then borrower profit. Always in that order.