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By Minah
Minah offers Africa-focused RWA investments to help Afro optimist investors fund projects with DeFi-powered, low-cost Stellar rails. Minah.io is an investment platform transforming the investment landscape for Real World Assets (RWA) in West Africa, solving the pain point of funding capital in the region thanks to blockchain efficiency. With this submission, we want to seamleassly integrate DeFi opportunities for the general public (staking, bond's interest reinvestment, etc).
Minah.io is launching a fully on-chain investment platform enabling global investors – particularly Afro optimist investors – to support Real-World Asset (RWA) projects in West Africa through secure, transparent, and tokenized investment flows.
A first investment strategy has already been deployed and is available as a working demo.
The platform leverages the fast, low-cost, and compliance-friendly Stellar blockchain, along with its extensive coverage across Africa, to deliver an end-to-end investment experience.
We will issue a fully compliant security token representing a €500,000 loan pool, incorporating built-in logic to manage subscriptions, redemptions, and coupon payments.
This token will be registered and distributed in accordance with applicable French and OHADA financial regulations.
Using Stellar-compatible wallets (e.g., Freighter), investors in Europe and North America will be able to connect, complete KYC via Sumsub, and invest directly in vetted projects in Togo and Ghana.
For individuals indirectly impacted by our funding—such as tenants in financed buildings or suppliers in supported agribusinesses—we will onboard them to manage their cash flow on-chain.
This will involve integrating user-friendly wallets like Vibrant or Lobstr, enabling seamless conversion between local fiat currencies and on-chain assets.
For each loan pool, we anticipate a transaction volume approximately three times the invested capital; for example, a €500,000 pool is expected to generate around €1.5M in on-chain transactions.
We plan to integrate staking, automated reinvestment of bond interest, and potential liquidity solutions—allowing users to maximize returns through DeFi-native strategies.
All key events—including loan repayments, collateral updates, and social impact indicators—will be recorded immutably on-chain.
Investors will have access to a transparent dashboard displaying real-time KPIs and financial flows.
For investments tied to OHADA economic participants, key financial transactions will also be executed on-chain.
For example, rent from the primary tenant in the first financed building will be paid directly on-chain, ensuring complete transparency from mobile money to wallet.
This model will onboard new Web3 users and generate recurring transaction volumes, as the entire payment infrastructure (e.g., rent collection systems) will be blockchain-based.
5. High-Impact Use of Funds
Funds will be allocated to carefully selected infrastructure, renewable energy, and agricultural value chain projects.
These sectors were chosen for their strong multiplier effect on employment, supply chain resilience, and sustainable development.
We have also identified sustainability KPIs to monitor and ensure long-term impact.
Yes
$97.5K
Deployment of Second Investment Strategy on Stellar (~€500K)
Launch and fully deploy funds in Togo and Ghana for a total of approximately €500K.
Operate entirely on Stellar, including DeFi integration features (e.g., automated interest reinvestment, staking) for participating investors.
Expansion of Project Pipeline to €5M
Leverage partnerships and the success of the second strategy as a proof of execution.
Identify and source new projects to reach a pipeline of ~€5M across West Africa.
Acceleration of User Onboarding
Achieve 3,000–5,000 followers across social media.
Reach 300+ total active investors.
Strategic Partnership with Stellar Foundation
Secure a direct equity investment from Stellar Foundation (discussions ongoing with Daniel Casanas).
Establish a communication and co-marketing partnership.
Pan-African Strategies
Deeper DeFi Integration
Target TVL
Reach €20M Total Value Locked (TVL).
Scaling TVL
Achieve €100M Total Value Locked (TVL).
Position Minah as a leading on-chain RWA investment platform for Africa on Stellar.
The African diaspora — over 200 million people living outside the continent — sends billions of euros in remittances every year, representing up to 10% of GDP in countries such as Senegal.
Minah’s strategy is to channel part of this capital toward high-impact, transparent investment opportunities in Africa.
Objective
Activate and convert the African diaspora into investors and long-term supporters of impactful, RWA-based projects.
Tactics
Collaborations with high-reach diaspora networks in France and Europe:
Investir au Pays (2.5M followers)
Repat Africa (70K followers)
BlackNetwork (80K followers)
HOAQ (12K followers)
Co-organizing diaspora-focused investment events with targeted communities to build trust and visibility.
Launch of the Minah Circle Event: a quarterly flagship gathering of influential diaspora members (lawyers, VC investors, bankers, etc.).
Athletes with strong ties to the African community:
Serge Gakpé (Former Togolese international football player)
Serge Akakpo (Former Togolese international football player)
Dominique Malonga (First French woman drafted in the WNBA)
AI-powered automation for tailored diaspora-focused content:
Local economic news
Practical investment tips for Africa
Success stories and impact metrics
Multi-platform presence: LinkedIn, YouTube, Instagram, with several posts per week.
Objective
Develop a diverse, high-quality pipeline of fundable projects for integration into Minah’s investment strategies.
Selection Criteria
Predictable revenue to ensure stable yields
Collateralization to mitigate risk
Socio-economic impact to contribute to sustainable development
Tactics
Financial institutions: Orabank Togo, Cauri Bank
Startup accelerators: Energy Generation
Some of these partnerships are already formalized via Letters of Intent.
Launch a public submission platform enabling African entrepreneurs and SMEs to pitch projects directly and transparently to Minah’s investment committee.
Please look here the link of our analytics :
Minah.io’s first live investment strategy has already attracted more than ten verified investors, collectively deploying €10,000 through the platform.
An additional €20,000 has been committed by a business angel (not yet visible on the platform), and as of 09.08.2025 we have collected €32,000, with only €8,000 remaining to fully subscribe the first MVP strategy.
We consider this milestone a clear success for an MVP.
([Presentation of the strategy] – [Investment term sheet])
Pipeline Commitments
One corporate client has issued a soft commitment of €300,000 for our next investment strategy.
A High-Net-Worth Individual (HNWI) group has committed €150,000 for another upcoming strategy.
Traffic and Awareness
Traffic remains organic yet encouraging, with 900+ unique website visits to date.
Community and Brand Building
Instagram: ~350 followers (organic)
LinkedIn: 280 followers (organic)
Awards:
Winner – 2025 Bialkiewicz Prize for Entrepreneurship & Web3
Winner – France Fintech’s 2025 Best Pitch Award
Launch of Minah Circle – an exclusive premium investor club for the diaspora.
→ [Aftermovie of recent event]
Institutional Partnerships
Service partnership signed with Orabank, one of West Africa’s leading banking groups.
Incubation agreement confirmed with Energy Generation, a leading regional cleantech accelerator.
Expand community reach to 3,000–5,000 followers.
Grow investor base to 300–500 active users.
Convert the €300,000 soft commitment, alongside additional capital, into our second RWA-backed loan programme.
Description
Finalize the structure of the first investment strategy and validate all key partnerships for deployment. The MVP is already live with basic functionality and will be enhanced with:
Partner KYC Integration: Implement Sumsub x Compilot to provide compliance-grade KYC for onboarding. Users must be able to upload documents, track verification status, and complete the process within the subscription flow, monitored via the Compilot dashboard.
Wallet Connection (Freighter): Enable secure Stellar wallet connection and transaction authorization. Test complete flows for subscriptions, redemptions, and local bank withdrawals.
Custodian & Transfer Flow: Run initial test transactions using Fireblocks, Coinhouse, and Wewire to validate full asset flows in the Stellar ecosystem.
How to Measure Completion
All partnership contracts signed.
End-to-end investment flow validated: from wallet subscription on Minah.io to cash-out to a local bank.
Estimated Completion Date
20 September 2025
Budget
$12,500
Description
Complete operational setup with local service providers (Wewire and Solide Finance) in Ghana and Togo for processing the second €500,000 investment flow.
Integrate API connections and ensure monitoring of all cross-border transactions in the admin dashboard.
How to Measure Completion
Treasury agreements signed between Minah SAS (France) and Minah SAS (Togo).
Execution of cross-border payments and flowbacks through partners, with all relevant alerts displayed on the admin dashboard.
Treasury flows connected to dashboards/APIs for tracking.
Estimated Completion Date
28 September 2025
Budget
$9,500
Deliverable 3: Landing Page & Investor Pre-Onboarding
Description
Launch the first version of the landing page and initiate a waitlist campaign to validate market interest, targeting both B2B and B2C investors.
How to Measure Completion
Landing page live and functional.
First investor commitments recorded via waitlist signups and LOIs from B2B prospects.
Estimated Completion Date
30 September 2025
Budget
$1,500
Description
Build and deploy the core Soroban smart contract to manage tokenized investment products, coupon logic, and distributions on Stellar testnet.
This includes contract design, coding, internal testing, and implementation of all investment flow logic.
How to Measure Completion
End-to-end investment flow validated on testnet.
Smart contract internally audited and functional with demo users.
Estimated Completion Date
18 October 2025
Budget
$15,600
Deliverable 2: On-Chain & Fiat Payment Integration
Description
On-Chain Payment Integration (Stripe & MtPelerin)
Integrate fiat-to-crypto and crypto-to-crypto gateways to allow users to invest with fiat and receive crypto returns. Freighter may be used to handle Stellar holders.
Manual SEPA Wire Support
Enable users to make SEPA wire and card payments (via MtPelerin) to Coinhouse for fiat onboarding.
Payments will be tracked through the Compilot dashboard and reconciled with Fireblocks and Coinhouse custody.
Note: Displaying fiat subscriptions instantly on the dashboard will require additional implementation work.
How to Measure Completion
Users can complete a payment (on-chain or fiat) and see updated investment status in the dashboard.
Internal admin interface confirms payment reception and wallet link.
Estimated Completion Date
12 November 2025
Budget
$14,300
Description
Landing Page for New Strategy: Publish an updated landing front-end environment providing a complete overview of available investment strategies, FAQs, and regulatory disclaimers.
Returns Tracking Dashboard: Enable users to view real-time ROI projections, investment status, and coupon distribution data directly in their profile.
How to Measure Completion
Public access to the landing page with active waitlist or onboarding functionality.
Returns dashboard fully functional, pulling live data from deployed contracts.
Estimated Completion Date
25 November 2025
Budget
$13,600
Deliverable 2: Bond Coupon Collection & Fiat Subscription Integration
Description
Bond Coupon Collection Mechanism: Automate periodic coupon claims through user-initiated smart contract calls or auto-distribution. Process flows from Orabank to Wewire and then to the Minah.io platform.
Coinhouse Fiat Subscription Management: Fully integrate with Coinhouse for fiat onboarding (SEPA, card, wire) and connect to wallet issuance on Stellar.
How to Measure Completion
Users can subscribe to investment products in fiat.
Coupon claims processed seamlessly through a single, user-friendly interface.
Estimated Completion Date
5 December 2025
Budget
$16,800
Deliverable 3: Monitoring & Admin Interface
Description
Deploy an analytics and observability layer via Minah.io’s admin interface to monitor on-chain flows, user actions, errors, and system performance in real-time.
How to Measure Completion
Real-time dashboard available for admins to monitor KPIs, wallet activity, and coupon payouts.
Alert system operational for failed transactions or abnormal activity.
Estimated Completion Date
22 December 2025
Budget
$13,800
The project is led by two co-founding brothers, Julien and Hervé GAKPE, a team of three developers, and a few strategic supporters.
Julien began his career as an M&A investment banker and later joined Bpifrance as an institutional investor focused on blockchain. As a Fund of Funds investor, he completed investments totaling over €200M. Julien also worked as a full-stack web developer for three years after training at 42, a renowned french coding school. He graduated from Toulouse Business School and completed an executive program in Blockchain and Decentralized Finance at Ecole Polytechnique. (Linkedin)
Hervé is an experienced CFO who started his career in project financing for African infrastructure before moving into the startup sector. He held positions as Financial Manager and CFO at SMASH Group, supporting over 30 startups and SMEs with financial structuring. He now oversees Minah's operational and financial development. Herve graduated from ESSEC and EMLyon. (Linkedin)
Coralie Lolliot joined as Head of Partnerships. She is the former Head of Africa at Sciences Po Paris (the 2nd best political science school in the world), former United Nations consultant, and former Director at the Africa CEO Forum and AFIS — two major business events in Africa. (Linkedin)
The development team includes Mishael Stanley, Head of Blockchain Engineering, Ph.D. in Tokenomics, and graduate of École Polytechnique. ; Erwan Lajouannique as lead developer (42 graduate, GitHub: https://github.com/erlajoua) and members of the Dar blockchain team, with whom they collaborate closely, including Hatem ([GitHub](https://github.com/hatemua): https://github.com/hatemua) and Yessine ([GitHub](https://github.com/yessinemaalej):https://github.com/yessinemaalej).
They also have a strategic contributor, Tiziana Bonbassei, based in Dubai (Marketing and Partnerships), along with advisors such as the Founding Partner of TRGC, an investment fund in Amsterdam. (Linkedin)
Julien Gakpe
Hervé Gakpé
Julien Gakpe
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