Access · Own · Grow
Shop where you own.
Own where you shop.
Turn your everyday spending into an ownership opportunity. Stratum Fintech is a digital platform where members own the businesses they shop at — and share in 90% of the profits.
Stratum Fintech is a startup. We are assisting a movement to get communities to own the businesses, property and services they use every day — turning ordinary spending into shared wealth.
An emerging ownership model
Spend. Participate. Build Ownership.
Stratum Fintech is developing an approach designed to help SAMBO members participate in the ownership of property and income-producing businesses. Where members choose to participate, selected spending and contributions can be directed toward ownership opportunities — with potential returns distributed in line with the relevant ownership structures.
Spend where you own
Direct everyday spending toward member-supported businesses and assets.
Participate in returns
Potential profits and rental returns flow to members in line with ownership.
Build long-term wealth
Professionally managed assets aim to create sustainable economic participation.
Bank Secured
Partner bank rails and custody keep every rand safe and regulated.
You Own
Real, registered ownership in income-generating businesses.
Grow Wealth
90% of profits shared with members. Wealth that compounds.
For Everyone
Accessible, affordable and built for our communities.
The everyday problem
You spend it all. Someone else owns it all.
Most people work hard, earn a salary, pay rent, buy groceries, purchase airtime and data, fill up their cars, and contribute to savings clubs or stokvels. By the end of the month, most of that income is spent — and the businesses it supported belong to someone else.
Stratum was developed by a team of Chartered Accountants and professionals to change that. Our mission is simple: help ordinary people become business owners through the money they already spend every month.
How Stratum works
Own first. Then shop where you own.
Stratum is a digital ownership ecosystem. Members participate in businesses that provide everyday products and services — and link their monthly spending to businesses they own. The more of your everyday spending flows through businesses you own, the more you participate in the economic activity you help create.
See the full flowWhere your spending can go
Every expense you already have, linked to a business you can own
Food Corner
Groceries
Lifestyle Meat Co
Meat & protein
Lifestyle Fresh Produce
Fruit & vegetables
Liquidity Liquor Store
Beverages
S-Connect
Airtime & data
Stratum Apartments
Rental property
Stratum Fuel Partners
Fuel & transport
SAMBO
Collective ownership & savings
The Wealth Rotation System
Money leaves your hand. It comes back as ownership.
Four simple beats, repeated every month. The detailed numbers, worked examples and property maths live on the How It Works page.
You spend
Everyday essentials, bought where you own.
Businesses earn
Your spending becomes revenue in member-owned ventures.
Profit builds property
The member share funds the next development.
It rotates back
Your share lands in your account, on bank rails.
Our philosophy
Our ecosystem is about getting ordinary people to be part of the economy and share in the wealth through regulated systems — and leave a legacy for their kids.
Businesses you can own
Everyday ventures. One ownership layer.
Food Corner
Community grocery, member-owned profits.
A proposed member-owned grocery store where profits flow back to Multi-Business Owners and are reinvested into shares for the community.
- Daily groceries and household essentials
- Member profit share converted to shares
- Local supplier network
Lifestyle Meat Co
Farm-fresh meat from member-owned farms.
A proposed venture to supply a private network of clients with premium meat sourced from farms owned by members.
- Beef, lamb, pork and poultry cuts
- Cured meats and specialty sausages
- Custom meat baskets and bulk orders
Lifestyle Fresh Produce
Fresh fruit and vegetables, profits shared.
A proposed member-owned fresh produce business where profits are shared among members and sourced locally where possible.
- Leafy greens, root vegetables and tomatoes
- Citrus, berries, apples and stone fruit
- Organic and seasonal boxes
Liquidity Liquor Store
Premium and everyday drinks in one place.
A proposed curated liquor store offering premium and regular alcoholic beverages for every taste and occasion.
- Wines, spirits and craft beers
- Whisky, gin and vodka selection
- Gift sets and event packages
S-Connect
Airtime, data and handsets on demand.
A proposed digital telecom retail business selling airtime, data bundles and the latest cellphone handsets to members and the public.
- Prepaid airtime and data bundles
- Smartphones and accessories
- Device financing for members
Pakora Courier Services
Local deliveries from small parcels to full removals.
A proposed local delivery service focused on reliability, from small parcels to furniture removal and office relocations.
- Same-day local delivery
- Furniture removal and relocation
- Business logistics contracts
Stratum Private Clients
More than private banking.
Own the world. We'll help you run it.
Private banking helps you manage the wealth you already have. Stratum Private Clients is built for people who want to own what comes next — businesses, property, infrastructure and consumer platforms, managed by experienced professionals.
Bank. Invest. Spend. Own. Grow.
Explore Private Clients
Membership ID
Your key to the whole ecosystem
Every Stratum Multi-Business Owner receives a membership ID the moment their account opens. It is your identity in the app and at the till — proof of ownership, and the way your spending is credited back to you.
- One member ID for the app, the card and every physical store
- Scan or tap at Food Corner, Kase Kafé, Swear Capital and every venture
- Tracks your ownership units, allocations and profit share in real time
- Unlocks member pricing across Stratum Marketplace
Access. Own. Grow.
Registering is simply clicking Register. Join the member network, get your membership ID and start building wealth through everyday living.
Register to participate