Mali za Tanzania kwenye blockchain, kwa shilingi yetu.
nTZS speeds up settlement, cuts risk and boosts transparency by moving assets and shillings in sync on shared digital infrastructure.
Live on Base mainnet
Bank of Tanzania sandbox · 1:1 TZS backed
Secure · Instant · Verifiable
01 · The opportunityFursa
Bonds, harvests, land and invoices hold enormous value, but they’re slow to sell, hard to divide and out of reach for most people. Blockchain and tokenization change that.
Step 1
Blockchain
A shared public record
A ledger that many parties keep together and no single party can quietly change. Ownership becomes provable.
Step 2
Tokenization
Assets become digital tokens
A real asset is represented as a token that can be split into small pieces, transferred in seconds and traced end to end.
Step 3
Real-world assets
Value that was locked, moves
Government bonds, crop receipts, land and trade invoices become open to more investors and faster to trade.
02 · The missing pieceKipande kinachokosekana
Today the only money on blockchain is the US dollar. Without a digital shilling, Tanzanian assets would be priced and paid for in dollars. nTZS is the digital Tanzanian shilling, backed one-to-one and live today, so Tanzania’s assets can move in Tanzania’s own currency.
Buyer sends
TZS 100,000
paid in nTZS
One transaction
Both sides swap together, in seconds. Neither can move without the other.
Buyer receives
Bond token
ownership recorded on-chain
03 · What it unlocksTunachofungua
Government bonds & T-bills
A citizen buys TZS 10,000 of a government bond from their phone and holds it in their wallet. Smaller tickets, a wider domestic investor base, and every holding on one auditable record.
Agricultural warehouse receipts
A farmer’s stored harvest becomes a digital receipt that can be sold or used as collateral the same day, instead of waiting for a buyer or a bank visit.
Cross-border trade
Shillings swap directly into naira and digital dollars through SimpleFX, in seconds, without routing through a correspondent bank.
Land & real estate
Fractional ownership and a clear, tamper-proof title history.
SME invoices
Get paid today on an invoice due in 90 days.
Carbon credits
Issue, trade and retire credits, settled in shillings.
Live runs on nTZS today. Pilot-ready uses the same settlement rails and needs an asset partner to launch.
04 · Built the right wayMisingi imara
Tokenization only earns public trust when the legal, institutional, technological and security groundwork is in place. We built nTZS on all four from day one.
Legal
Kisheria- Approved to test under the Bank of Tanzania regulatory sandbox
- Every nTZS backed 1:1 by Tanzanian shilling reserves
Institutional
Kitaasisi- Supported by UNDP Tanzania’s FUNGUO Innovation Programme
- Money moves in and out through licensed mobile-money and payment providers
Technological
Kiteknolojia- Live on Base, an Ethereum Layer 2 network
- Supply and every transfer publicly verifiable on-chain
- Open APIs so banks, fintechs and agencies can build on it
Security
Kiusalama- Identity verified against NIDA before a wallet can transact
- Business verification (KYB) for liquidity providers
- Continuous reconciliation of reserves and liquidity pools
05 · Live todayInafanya kazi leo
nTZS in circulation
—
TZS processed
—
Reserve backing
1 : 1
Settlement
Seconds
Already running on nTZS
Four products. One settlement layer.
Each one moves value in shillings on the same rails.
06 · TeamTimu
nTZS is built by NEDA Labs in Dar es Salaam: a team working across payments, blockchain engineering and regulation.
07 · Partner with usShirikiana nasi
We’re looking for partners to pilot the first tokenized Tanzanian assets settled in nTZS.