About us
Building the financial infrastructure for ownership.
Stratum Fintech is a diversified financial-services and investment platform established to provide the financial infrastructure supporting a new generation of ownership, investment and wealth creation.
Our philosophy
Financial services should do more than facilitate transactions. They should help people invest, own productive assets, protect their wealth and build for the future.
Developed by Luthando Maduna Chartered Accountants
Group structure
One holding company. Specialist divisions.
Stratum Fintech (Pty) Ltd is the holding company of the Group. It owns the various divisions and operating businesses of the Group, providing strategic direction, capital allocation, governance and oversight from the centre.
Each division operates with its own independent management team of qualified professionals — chartered accountants, attorneys, doctors, property practitioners and engineers — who manage the day-to-day business of their division and report to the board of Stratum Fintech.
Stratum Fintech (Pty) Ltd — holding company and group governance
Divisions led by independent, specialist management teams
Management teams accountable and reporting to the Group board
Clear separation between ownership, management and oversight
* Divisions marked with an asterisk are currently dormant and not trading. Their registration, licence and operational details will be updated as regulatory and operational readiness is confirmed.
Our divisions
What each division does.
Stratum Fintech operates through a portfolio of specialised divisions, each with a clearly defined mandate, an independent management team and its own governance structure.
Stratum Investment Group
Investment & Strategic Capital
The Group's strategic investment platform, focused on capital allocation, investment opportunities, business investments, strategic partnerships and long-term value creation.
- Group capital allocation and treasury strategy
- Direct business investments and strategic partnerships
- Origination and structuring of investment opportunities
- Long-term value creation across the Group's portfolio
Company Registration No.: 2021/852844/07
Stratum Properties
Property Investment & Development
The Group's property investment and development platform, focused on acquiring, developing, owning and managing income-generating residential, commercial and mixed-use property assets.
- Acquisition of land and income-generating property assets
- Residential, commercial and mixed-use development
- Property ownership, leasing and asset management
- Development of Stratum Apartments & Residentials
Company Registration No.: 2021/629115/07
Stratum Asset Management*
Investment & Discretionary Portfolio Management
Not trading — to be updated*
A division of the Group being developed for discretionary portfolio management and JSE-linked investment solutions. Currently dormant — not trading and to be updated as regulatory and operational readiness is confirmed.
- Discretionary portfolio management for members and clients
- Investment research, strategy and portfolio construction
- Management of the Group's investment products, including JSE-linked solutions
- Institutional-grade risk management and reporting
Company Registration No.: To be updated*
Licence Category: Category II — Discretionary Financial Services Provider
Regulatory Status: Dormant — not trading, to be updated*
Stratum Insurance*
Insurance & Risk Management
Not trading — to be updated*
A division of the Group being developed for insurance and risk-management solutions. Currently dormant — not trading and to be updated as the required regulatory approvals and licences are obtained.
- Household, vehicle, cellphone and commercial insurance solutions
- Group risk-management framework and cover design
- Cell-captive insurance structure development
- Protection products aligned to members' assets and businesses
Company Registration No.: To be updated*
Licence Category: Cell-Captive Insurance
Regulatory Status: Dormant — not trading, to be updated*
Stratum Medical Scheme*
Healthcare & Medical Scheme Solutions
Not trading — to be updated*
A division of the Group being developed as the healthcare platform serving eligible members of the SAMBO ecosystem. Currently dormant — not trading and to be updated within the applicable medical-schemes regulatory framework.
- Structured healthcare and medical-scheme benefit design
- Healthcare solutions for eligible SAMBO ecosystem members
- Managed-care and wellness programme development
- Compliance with the applicable medical-schemes regulatory framework
Company Registration No.: To be updated*
Licence Category: Medical Scheme / CMS registration to be updated
Regulatory Status: Dormant — not trading, to be updated*
One group. Multiple financial solutions.
Complementary capabilities across the financial ecosystem.
| Platform | Mandate |
|---|---|
| Stratum Investment Group | Strategic investment and capital allocation |
| Stratum Properties | Property investment and development |
| Stratum Asset Management | Professional investment and portfolio management |
| Stratum Insurance | Insurance and risk management |
| Stratum Medical Scheme | Healthcare and medical scheme solutions |
Our connection to SAMBO
Stratum Fintech forms part of the broader infrastructure supporting the SAMBO ecosystem.
SAMBO is designed around participation and ownership, while Stratum Fintech provides specialised financial and asset-management capabilities that can support members across different stages of their financial journey.
This includes access to investment solutions, property participation, risk protection and healthcare solutions, subject to the applicable products, eligibility requirements and regulatory approvals.
Participation → Investment → Ownership → Long-term wealth creation.
Our governance
Built around strong principles.
Regulatory Compliance
Operating within the applicable regulatory frameworks and licence conditions.
Independent Governance
Maintaining appropriate governance, oversight and accountability across specialist businesses.
Professional Management
Applying institutional standards to investment, asset management, risk and operational management.
Responsible Capital Allocation
Deploying capital with a long-term focus on sustainable value creation.
Client & Member Protection
Placing appropriate emphasis on transparency, suitability, risk management and the protection of client and member interests.
Regulatory transparency
A high standard of regulatory discipline and transparency.
Where a business is licensed and authorised, its applicable licence and regulatory information will be disclosed. Where a business is in the process of obtaining regulatory approval, Stratum will clearly identify that status and will not represent the business as authorised to perform regulated activities before the relevant approval has been granted.
This distinction is fundamental to the Group's approach to responsible financial-services development.
Vision
To build a leading African financial-services and investment platform.
Connecting capital, assets, businesses and people through professionally managed financial infrastructure.
Mission
Accessible and professionally governed financial solutions.
Enabling people and businesses to invest, own productive assets, protect their wealth and build sustainable financial futures.
Stratum Fintech
Capital. Ownership. Protection. Prosperity.
Building the financial infrastructure for an ownership-based economy.