As Zimbabwe’s financial sector continues to modernise, attention is increasingly turning to how emerging digital investment platforms are governed, supervised and protected. One such model drawing interest isNdarama, a digital investment platform operating within Zimbabwe’s evolving regulatory environment. Financial experts say the focus is no longer only on new technologies, but on the governance systems behind them — including regulatory oversight, asset custody and transaction transparency.
The architecture behind Ndarama combines regulatory supervision, independent trusteeship and blockchain technology, forming a multi-layered structure aimed at balancing financial innovation with safeguards. The platform operates within a regulatory sandbox run by the Securities and Exchange Commission of Zimbabwe. A regulatory sandbox allows new financial products to be tested under the watch of regulators before full-scale rollout.
Within this framework, participating firms must comply with defined conditions that allow regulators to monitor operations, assess risks and ensure that emerging financial models align with existing laws. Authorities say the arrangement ensures that the platform does not operate outside the financial system but rather within a supervised environment. The sandbox effectively forms the first layer of oversight.
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A second layer of protection is the appointment of an independent trustee to safeguard investor assets. Ndarama has designated Kreston Zimbabwe as trustee. Its responsibilities include holding investor funds in trust and safeguarding documentation relating to underlying assets on behalf of investors. This structure ensures that the operating platform does not have sole custody of investor funds or asset records.
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