🔷 Tokenizing PAYGO Cash Flows

Access Regulated,
High-Yield African PAYGO Debt
via Hedera-Powered Securities

Negotium Capital bridges the gap between real-world asset originators and institutional capital. We tokenize predictable, mobile-money-backed PAYGO cash flows into regulated securities on the NSE using Hedera.

Onboard as Originator View Listed Securities

🏦 NSE regulated ⚡ Hedera HTS 📱 M-Pesa backed

LIVE · 2026

Tokenized PAYGO Pool #4

Yield
14.2%

Assets
2,340

M-Pesa
✅

☀️ Solar → SPV → HTS Token → NSE

Atomic settlement · automated yield

⚠️ The Liquidity Bottleneck

Capital trapped in
long-term repayments

PAYGO originators face severe capital constraints. Traditional loans require immense collateral. Global capital can’t easily buy fractionalized African debt.

✕ Locked cash flow in customer cycles
✕ Bank loans demand physical collateral
✕ No fractional access for global investors

✅ The Negotium Solution

Tokenize, list, and
distribute yield

We package PAYGO contracts into an SPV, mint digital debt securities via Hedera Token Service (HTS), and list them on the NSE. Investors earn automated yield from mobile-money collections.

📦 SPV structure 🔗 Hedera HTS 🏛️ NSE listed

High-Utility Value Pillars

🔹 For Asset Originators

Unlock off-balance sheet funding — move consumer debt off your books.

Uncapped scalability — bypass rigid banking limits.

Lower cost of capital — access institutional rates.

🔸 For Capital Allocators

Fully regulated — assets authorized within NSE framework.

Real-world yield — predictable income tied to essential utilities.

Atomic settlement — instant, transparent, low fees via Hedera.

The 4-Step Technical Workflow

Ingestion

Connect PAYGO contract ERP data via API.

Hedera Tokenization

Bundle contracts into SPV, mint debt tokens via HTS.

NSE Listing

Fractionalize and list as regulated debt security.

Distribution

Automated interest distribution, sub-cent fees.

Structured Investor Onboarding

Step 1

KYC/AML Onboarding

Secure digital compliance portal. Submit registry & beneficial ownership. Approval 24–48h.

Step 2

Account & Hedera Wallet

Provision regulated custody account linked to Hedera ID. Enterprise-grade security.

Step 3

Funding & Portfolio

Deposit fiat/stablecoins. Browse audited PAYGO pools (solar, e-mobility).

Step 4

Allocation & Yield

Execute purchase, receive tokens instantly. Automated yield based on asset usage.

Trust, Security & Compliance

Why Hedera?

Enterprise governance, high throughput, predictable fees, carbon-negative — ideal for institutional RWA tokenization.

How is custody managed?

Assets are segregated in bankruptcy-remote SPVs, audited off-chain.

Regulatory approval?

Yes, Negotium operates within the Nairobi Securities Exchange digital asset frameworks.

Default management?

Smart contracts use oracle networks to monitor M-Pesa collections and flag risk thresholds.

📬 Send us a message

Have a question about originator onboarding, investor access, or tokenization? Reach out — our team responds within 24h.

Direct enquiries

📧 Email
miketabz@negotiumcapital.co.ke

📞 Phone
+254 705 980 420

📍 Nairobi
Muringa Place, Nairobi

⚡ Quick redirect