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.
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
A real example
Meet Nosipho, 26. Young paralegal. Future owner.
Without ownership, Nosipho's R13,000 monthly spend helps build someone else's business. With Stratum, those same expenses connect to businesses inside her ownership ecosystem — instead of simply being a customer, she becomes a participant in the businesses she supports.
| Rent | R5,500 |
| Groceries | R2,500 |
| Airtime & data | R1,000 |
| Fuel & transport | R3,000 |
| Stokvel contribution | R1,000 |
| Total monthly spend | R13,000 |
A lifetime of spending
R13,000 × 12 × 37 years = R5,772,000
Over her working life, nearly R5.8 million of Nosipho's spending will flow through businesses. The question is: who benefits — a stranger, or the ownership ecosystem she belongs to?
From profits to property
A permanent, digital engine that turns spending into property.
The example below is an illustration, not a guarantee. But most South African banks serve more than 1 million clients, so the pool of people who could participate is far larger — and because the system is fully digital, it runs continuously, month after month, without you lifting a finger.
Illustration
The Stratum Mini Complex
A mixed-use development that costs R25 million to build and serves 5,000 people in the surrounding community. It combines commercial shops on the ground floor with 12 high-end apartments above — all owned by SAMBO members through the partner bank structure.
Commercial rent
20% of R25M paid by trading businesses on the ground floor
R5M/year
Apartment rent
12 high-end apartments × R3,000/month, fitted with appliances
R432K/year
Local shopping profit
5,000 locals × R3,000/month × 3% net profit margin
R5.4M/year
Combined annual illustration income
~R10.8 million
After costs, taxes and professional fees, 90% of the net profit is shared with members based on actual performance.
The collective engine
20% member equity. 80% bank finance. More complexes. More wealth.
When SAMBO members bank with the partner bank, their monthly net profit share becomes the 20% equity deposit the bank needs. The bank provides the 80% debt finance — exactly how property is normally funded — and the Chartered Accountants structure the deal.
100,000 members × R1,000/month
= R100 million a month
That is enough member equity to fund up to 20 R25M Stratum Mini Complexes every month — alongside bank finance.
Each complex is run by independent professional teams. That means Nosipho and other members keep owning more properties, while the experts handle the day-to-day work.
Why it never stops
She does not have to save. She just shops where she owns.
Every month Nosipho and more than 100,000 SAMBO members buy the same groceries, meat, vegetables, airtime, data, fuel and other essentials they were already going to buy. Because they shop inside the Stratum ecosystem, the net profit is captured by member-owned businesses, audited by the Chartered Accountants, taxed and then reinvested into more Mini Complexes. The cycle repeats continuously — so members keep owning more property simply by living their lives.
Chartered Accountants
Structure the finance, handle tax returns, pay SARS and consolidate audited profits into your account.
Attorneys
Check compliance with by-laws, regulations and governance so every complex is legally sound.
Property Practitioners
Manage lease agreements, screen tenants and make sure rent is paid on time — while you live your life.
Nosipho's day
She watches the match. The platform does the work.
Nosipho is watching her soccer match while the Chartered Accountants finalise the books, the attorneys confirm compliance, and the property practitioners collect the rent from the 5,000 people served by her Mini Complex. A notification lands on her Stratum app: her share of the profits has been audited, SARS has been paid, and the money is in her account. She swipes her card and enjoys the profit — because the professionals have already done the work.
Sign up, get your membership ID and start on the bank-secure platform. Figures shown are illustrative assumptions only and are not a forecast or guarantee of returns. Profit share is paid based on actual business performance.
Managed by professionals
You own. Professionals manage. Everyone works toward growth.
You don't need to know how to run a grocery store, property company, telecom business or logistics operation. Experienced teams run the businesses — and the Chartered Accountants behind Stratum guide, research, educate and empower you along the way.
Guided by Chartered Accountants
Stratum was developed by Chartered Accountants and professionals who believe ownership should be accessible to ordinary people. They guide the structure, governance and reporting of every venture.
Research-driven growth
Each business in the ecosystem is researched, vetted and overseen through professional governance structures — so members participate with confidence.
Education & empowerment
Members receive reporting on the businesses they participate in, plus ongoing financial education — so you can track growth, performance and progress, and understand how your money works.
Why we exist
For too long, ordinary people have been consumers without being owners.
We believe the people who spend money in the economy should also have the opportunity to participate in the businesses that serve them. That's why we built Stratum.
Shop where you own. Own where you shop.Build wealth through everyday living.
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 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.
Supplies a private network of clients with premium meat sourced from farms owned by members. Build custom baskets for every occasion.
- 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.
Sells seasonal fresh produce with profits shared among members. From crisp vegetables to sweet fruits, 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 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 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.
Delivers to locals with a focus on reliability. Specialises in small to large items, including furniture removal and office relocations.
- Same-day local delivery
- Furniture removal and relocation
- Business logistics contracts
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