Send money home.
Receive more than money.
CBZ Flourish converts your UK remittance into direct purchasing power at Zimbabwean producer prices — groceries, building materials, energy, and insurance delivered to your family, worth up to 45% more than cash. And when cash is what you need, it is always there, instantly, at any CBZ branch or ATM.
$124 million leaves Zimbabwe every year.
To foreign companies. Unnecessarily.
The UK–Zimbabwe corridor generates over $3.1B in annual remittances. At a blended 4% fee and FX spread, approximately $124M per year flows to WorldRemit, Mukuru, and EcoCash's offshore settlement layer — never touching a Zimbabwean bank ledger.
The arbitrage: On $500M of annual Flourish volume — a fraction of the corridor — the ZIVA/Digni-Go commission costs CBZ $3.75M/year. WorldRemit extracts $20M on the same volume. Partnering with ZIVA is not a cost. It is the cheapest acquisition of $20M in annual corridor value CBZ has ever been offered.
5 million Zimbabweans.
One untapped corridor.
The Zimbabwean diaspora is one of Africa's most financially active — and most underserved. Estimates range from 900,000 (official census) to over 5 million including undocumented and second-generation migrants. Flourish is built for all of them.
What is a Flourish Token?
Simpler than it sounds.
A Flourish Token is a digital voucher — like a pre-paid card — guaranteed by real goods in a Zimbabwean warehouse. You send pounds. CBZ holds them securely. Your family receives more than you sent.
Backed by GBP you send
The sender deposits real pounds via WhatsApp. CBZ receives every penny into escrow. The token has real, auditable value from the moment it is created.
Linked to factory production
The GBP pre-finances Zimbabwean manufacturers before they produce. In exchange they supply goods at 15–45% below retail. That saving becomes your family's bonus.
Redeemable as goods OR cash
Collect goods at wholesale price from depots and OK Zimbabwe outlets. Or withdraw cash at any CBZ branch or ATM — instantly, no waiting, no penalty. The choice is always yours.
Transferable via EcoCash
Flourish tokens move to any EcoCash wallet instantly. EcoCash is not our competitor — it is our last-mile rail. 13 million EcoCash users become potential Flourish recipients.
Five steps. No app. No branch.
The entire Flourish journey runs inside WhatsApp — the channel your community already uses every day.
Send via WhatsApp
Tell MaiyoBot how much you want to send and how to split your basket — groceries, building materials, energy, or funeral cover. In English, Shona, or Ndebele.
CBZ holds it safely
Your funds go into CBZ-custodied escrow. The index engine allocates your contribution to vetted Zimbabwean producers as interest-free working capital.
Token issued instantly
Your recipient receives a Flourish token on their CBZ card — worth 15–45% more than the cash equivalent. Redemption code sent via WhatsApp within seconds.
Collect goods, EcoCash, or cash
Collect goods from any Flourish depot or OK Zimbabwe outlet. Transfer tokens to EcoCash wallets. Or withdraw cash at any CBZ branch or ATM — instantly.
WhatsApp confirms delivery
Recipient confirms receipt via WhatsApp. CBZ releases cleared USD settlement to the merchant. The dual-ledger means no payment without confirmed delivery — fraud is structurally impossible.
Traditional remittance versus Flourish.
- ❌ 6–8% lost in transfer fees and exchange spread
- ❌ Cash arrives and purchases goods at inflated retail prices
- ❌ Value exposed to local currency volatility
- ❌ Producer receives no capital benefit
- ❌ No insurance, no energy, no building credit included
- ❌ 100% of fees leave Zimbabwe to foreign ledgers
- ✅ Zero transfer fee on the index deposit
- ✅ Goods at factory/wholesale price — 15–45% below retail
- ✅ Cash always available at CBZ branch or ATM on demand
- ✅ Tokens transferable to EcoCash — 13M users reached
- ✅ Producer gains interest-free capital to scale output
- ✅ Every penny custodied, productive, and visible inside CBZ
Cash. Goods. EcoCash.
Your Flourish. Your choice.
Flourish is not a loyalty scheme. There are no locked funds and no forced redemption. The recipient chooses — every time.
See exactly what your money delivers.
Adjust the amount and mode — the basket breakdown updates in real time.
Diversified across five sectors. Fungible across all.
Your Flourish token is not tied to one company. It is a claim on the entire basket — redeemable across all five sectors, transferable via EcoCash, or withdrawn as cash at any CBZ branch.
Managed entirely in WhatsApp.
No app to download. No website to visit. MaiyoBot handles your Flourish basket, confirms your CBZ deposit, and sends your recipient their redemption code — all inside WhatsApp.
Community language is the first language of trust.
A group of 20 sending £50 each becomes a £1,000 bulk purchasing block — with group vote on basket allocation.
Send your token balance to any EcoCash number in Zimbabwe — instantly, 24/7, at WhatsApp speed.
Recipients collect at any partnered depot. No time pressure, no exposure.
The OK Zimbabwe Model:
Converting street vendors into a CBZ-banked distribution network.
Outside every OK Zimbabwe store, informal vendors sell identical goods at the same prices — on OK's own doorstep. Flourish doesn't fight them. It recruits them as OK Pavement Affiliates.
Dark Warehouse
OK back-of-house wholesale depot. Vendor buys via Flourish tokens. Every unit flows through OK's CBZ-settled ledger.
MaiyoBot Onboarding
Vendor scans QR on OK facade. WhatsApp onboarding in 3 minutes. Flourish Business Card issued. Raid shield activated.
Cashless Settlement
Customer taps Flourish Card. CBZ pays OK in USD instantly. Vendor earns micro-margin. Or pays cash — both settle through CBZ.
Banking the Informal
6 months of verified orders → CBZ credit profile → Flourish Business micro-credit line. Street trader becomes CBZ-banked SME.
The Flourish principle: OK becomes the warehouse. Vendors become the last mile. CBZ banks the operators. The pavement economy — worth tens of millions annually, currently entirely invisible to the formal system — becomes a CBZ ledger entry. At zero acquisition cost.
ZIVA Global CIC — the trust layer.
Flourish runs on MaiyoBot technology. But it is anchored in ZIVA Global CIC — a UK-registered Community Interest Company that has been managing community financial pooling for Zimbabweans across the UK since 2020.
Already contributing via structured standing orders. Day-one Flourish depositors — without any new marketing required.
Distributed to 33+ bereaved families since 2020. Every penny passed through in full. Transparent. Auditable.
Leicester · Derby · Nottingham. Expanding to Birmingham, Manchester, London. Each branch is a Flourish enrollment point.
Built through bereavement support, weekly food provision, and hardship grants — not a marketing campaign.
Six cards. One ecosystem.
A social mobility ladder.
Every card carries the Flourish promise: more value than you sent, backed by real Zimbabwean production, settled by CBZ. Each tier is a milestone — not a gatekeeper.
Flourish Classic
General recipients. Full token redemption, cash withdrawal, EcoCash transfer — everything Flourish offers from Day One. Emerald and gold design.
Flourish Community · ZIVA
ZIVA members and mukando group pools. Group balance QR code visible on card. Shared redemption for bulk community orders.
Flourish Youth
Students, school fees, data bundles. Teal gradient design. Powered by ZikiCash. Parents load credit in UK; schools redeem directly.
Flourish Business
OK Pavement Affiliates, market vendors, SMEs. Circuit-board matte-black design. Invoice QR. CBZ micro-credit after 6 months of trading history.
Flourish Gold Elite
High-volume senders. Brushed-gold Mastercard World Elite. Official CBZ Bank Partner badge. Priority redemption, construction finance, diaspora credit access.
Flourish Executive
Reserved for the most valued cardholders. Brushed-steel matte-black with gold embossing. CBZ Bank prestige tier. The card that signals arrival.
Join the production index.
Grow without borrowing.
Flourish is not a retail voucher scheme. It is a direct financing channel from the UK diaspora to Zimbabwean producers — structured as interest-free working capital in exchange for wholesale supply agreements.
Interest-free working capital
Receive diaspora funds as advance working capital. Repay in goods at agreed wholesale rates — no interest, no bank fees, no debt service pressure.
Guaranteed bulk orders
The Flourish index commits to pre-agreed volumes. Know in advance how many bags of cement or kilograms of flour are required — and plan accordingly.
CBZ-backed agreements
All supply agreements are structured through CBZ as custodian. Payment is guaranteed. Compliance managed. Your relationship is with a tier-one Zimbabwean bank.
Reach 150,000+ UK senders
Over 150,000 Zimbabweans in the UK make purchasing decisions for families back home. Joining Flourish puts your products in front of that entire market at guaranteed volume.
Beyond groceries.
A complete diaspora service layer.
Flourish is the gateway. The MaiyoBot platform supports an expanding range of services — all delivered via WhatsApp, all backed by CBZ, all requiring no additional app or account.
| Service | What it delivers | How it works | Status |
|---|---|---|---|
| 🌽 Grocery & Staples | Wholesale grocery delivery to your family's nearest depot | Flourish token, collect same day | Phase 1 |
| 🏗️ Building Materials | Cement, timber, bricks — at wholesale pricing | Bulk order via token, depot collection | Phase 1 |
| ⚰️ Funeral Cover | Pre-paid funeral bonds at today's price — locked, inflation-proof | Automatic via CBZ Life partner | Phase 1 |
| 🎓 School Fees Direct | Direct payment to accredited Zimbabwean schools | School code + MaiyoBot instruction | Phase 1 |
| 🏥 Medical Top-Up | Hospital bills, pharmacy, specialist at CBZ-partnered providers | Token issued to medical facility | Phase 1 |
| 📲 EcoCash Transfer | Send Flourish token value to any EcoCash wallet instantly | One WhatsApp message — instant | Phase 1 |
| 🏠 Property Inspection | GPS-verified photo reports on your Zimbabwe property | Inspector paid in tokens on delivery | Phase 2 |
| ✈️ Flights & Travel | Book Harare or Bulawayo flights via WhatsApp | Travel partner integration | Phase 2 |
| 🏖️ Holiday Packages | Victoria Falls, Nyanga, Kariba — tourism packages, paid in tokens | Tourism partner integration | Phase 2 |
| 💳 Diaspora Credit | CBZ micro-loans in Zimbabwe pre-approved against remittance track record | Score built automatically via transactions | Phase 3 |
What CBZ gets. What it costs.
Why it's obvious.
From EOI to live service in 90 days.
The platform is built. The community is enrolled. The timeline below reflects integration, compliance, and launch — not development from scratch.
| Phase | Deliverable | Lead | Timeline |
|---|---|---|---|
| Phase 0 | EOI submission · CBZ agent agreement signed · ZIVA members briefed · pilot basket partners identified | ZIVA / Digni-Go | June 2026 |
| Phase 1 | WhatsApp Business API live · CBZ escrow integration · KYC/AML module · token ledger · 3 pilot producers (miller, cement, solar) · depot & OK outlet network · EcoCash transfer module | Digni-Go Ltd | Jul–Aug 2026 |
| Phase 2 | Full 5-sector basket live · secondary token exchange · account opening integration · school fees & medical modules · card family launch · ZIVA expansion: Birmingham, Manchester, London | Digni-Go + CBZ | Sep–Nov 2026 |
| Phase 3 | Flights, travel, holidays · property inspection network · diaspora credit line · OK Pavement Affiliate programme · full MaiyoBot super-app | All partners | Q1 2027 |
| Phase 4 | Multi-country corridors: Nigeria, Rwanda, Ghana, Zambia · CBZ as founding custodian for each new market · secondary token market as tradeable class | CBZ-led | 2027–2028 |
Ready to explore CBZ Flourish?
Contact us directly on WhatsApp. Our UK and Zimbabwe leads are available to answer questions about partnership, enrollment, or producer participation.
For partnership enquiries, producer participation, and the full technical briefing pack — contact Sacha Robinson directly. Full commercial terms and IP disclosure provided on signed NDA.
ZIVA Global CIC · CIC No. 17002394 · MaiyoBot by Digni-Go Ltd · IP Protected · ApolloBlok APB-2026-00047296 · www.zivaglobal.co.uk