Cooperatives
Every co-op on the platform. Onboarding is sales-led — you create each one by hand and set its rate at creation.
| Cooperative | Registration | Developments | Members | Collected / mo | Status |
|---|---|---|---|---|---|
| — | — | — | — | — | — |
| Budiriro Housing Cooperative | CS/1184/2019 | Budiriro Extension | 214 | US$31,840 | Active |
| Chitungwiza Unity Cooperative | CS/0942/2017 | Manyame Park | 340 | US$47,600 | Active |
| Ruwa Progressive Cooperative | CS/2071/2022 | Damofalls Phase 2 | 88 | US$11,264 | In arrears |
There is no self-serve signup. A platform administrator creates every cooperative by hand, which suits high-touch onboarding and lets you set the negotiated per-member rate at the moment of creation.
Onboard a cooperative
Two things happen here: the tenant is created, and its commercial terms are set. Both are yours to decide, not theirs.
The cooperative
As registered under the Cooperative Societies Act.
Commercial terms
Netted at settlement — you never invoice this cooperative.
A member who pays US$500 has their contract reduced by US$500. Your fee is the cooperative's expense, taken from the cooperative's settlement. This is an invariant with a test, not a convention.
First administrator
They receive the invite and set their own credentials.
the cooperative created
The tenant exists and is sealed from every other cooperative. Now get its administrator in.
Invite the administrator
Delivered on the platform's WhatsApp Business account.
Makadii Tendai. You have been set up as administrator for the cooperative on Mabwe. Tap to set your password and get started: mabwe.co.zw/i/7QK4M2
Onboarding takes minutes because you already hold a verified Meta business account. The cooperative can migrate to its own number later. You carry the cost and the policy risk in the meantime — one violation is an all-tenant event.
the cooperative
— · onboarded by Twunhu Studios
- Per active member
- US¢250
- Monthly floor
- US¢12000
- Collection fee
- 0.75%
- Settlement account
- —
Projection assumes every stand in their development sells and collects on schedule. Real figures replace this once payments start.
You are done. The cooperative takes over from here — open the administrator's dashboard and build their first development.
Settlement run
The single billing artefact. You never invoice a cooperative, so there is no dunning, no card on file, and no risk on your own revenue.
Because you hold the funds before the cooperative does, your subscription, pass-through costs and collection fee all come off before remittance. That single mechanism removed almost the whole SaaS-billing problem.
A member's balance is never reduced by a platform fee — that is the cooperative's expense. And member float never mixes with operating cash. Both are asserted in the engine and are almost certainly licensing conditions too.
Provider vetting
Verification is earned, never bought. A provider can be subscribed but unverified, or verified but lapsed — two independent flags, so the badge always means something.
| Provider | Categories | Subscription | Vetting | |
|---|---|---|---|---|
| your company | — | ActiveNone | VerifiedUnverified | |
| Masimba Construction (Pvt) Ltd | Roads, earthworks, drainage | Active | Verified | |
| Tendai Civils (Pvt) Ltd | Roads, water reticulation | Active | Verified | |
| Highfield Earthworks | Earthworks | Active | Unverified | |
| Chiedza Electrical | ZESA reticulation | Lapsed | Verified |
Vetting means checking company registration, references and past work — and the fee covers the cost of doing that, not the privilege of displaying it. If a cooperative is defrauded by a provider wearing this badge, this screen is what they will point at.
Plan & rates
the cooperative's commercial terms. Negotiated per client while the model is unproven.
What they pay
All of it netted at settlement — you never invoice them.
- Their collections
- —
- Members at full sell-out
- 120
Every cost you carry is per member — notifications, statements, storage, support. Per-member tracks your marginal cost; the small collection fee prices the settlement risk you took on by holding the money.
A cooperative spends six to twelve months on permits with twenty members signed. That is when your support load peaks and your per-member revenue is near zero.
Settlement history
Every run, every cooperative. Your revenue is the fees column, and none of it needs chasing.
| Period | Cooperative | Gross | Fees | Net remitted | Status | |
|---|---|---|---|---|---|---|
| Mar 2027 | — | — | — | — | RemittedPending | |
| Mar 2027 | Budiriro Housing Cooperative | US$31,840 | US$789 | US$31,051 | Remitted | |
| Mar 2027 | Chitungwiza Unity Cooperative | US$47,600 | US$1,207 | US$46,393 | Remitted | |
| Mar 2027 | Ruwa Progressive Cooperative | US$9,904 | US$435 | US$9,469 | Held — arrears | |
| Feb 2027 | Budiriro Housing Cooperative | US$30,120 | US$776 | US$29,344 | Remitted |
Member float sits in a segregated account and your operating cash sits in another. That is good practice and almost certainly a licensing condition once you are authorised.
Ruwa's run is held because they are behind on their own plan. Members there are still owed accurate records regardless — withholding their cooperative's money does not entitle you to withhold their statements.
Account status
What happens when a cooperative stops paying you — and what happens to their members, who are not the party in breach.
Current policy
Chosen during the design interview.
Freezing member visibility over the cooperative's unpaid invoice takes away the exact thing you sold members — sight of their own money. They did nothing wrong, and the record you are withholding is arguably theirs rather than the cooperative's.
Members keep permanent read-only access to balances, statements and receipts; only administrative functions lock. Weaker commercial pressure on the cooperative, but it keeps you out of the position of holding people's records hostage over someone else's debt.
Worth revisiting before real cooperatives are live.
Platform event log
Append-only, across every tenant. Every state transition in the system writes one row with an actor and a timestamp.
Cooperative administrators see their own events only. This view sits above the tenancy boundary, which is exactly why access to it needs to be rare and logged in turn.
The same table gives a future agent perfect recall of what happened and when, which is why it exists from day one even though nothing reads it yet.
Save rates
Takes effect at the next settlement run.
- Per member
- US¢250
- Floor
- US¢12000
- Collection fee
- 0.75%
Rate changes are notified in advance and appear as a line on the next settlement statement. Nothing changes silently.
Suspend this cooperative?
Their administrators lose access and all member transactions stop.
- Members affected
- 0
- Their balances
- Preserved, but not visible to them
- Held settlement
- —
They lose sight of their own money over a dispute they are not party to. Consider contacting the cooperative before suspending, and keep the window short.
Verify this provider
The badge means you checked. It must never mean they paid.
If a cooperative is defrauded by a provider wearing your badge, this checklist is what they will point at. Do not grant it on a partial file.
Export settlements
For your own accounts or a regulator.
Export event log
Cross-tenant. Handle accordingly.
Exporting cross-tenant data is itself written to the log, with your name against it.