The open fintech platform for emerging markets

Our Philosophy

is more
than an infrastructure

It is a community guided by values that uphold human dignity, equity, and fairness and that seek to promote financial inclusion and protect an impact-centered approach to economics and wealth creation. TòròNet is a community of actors sharing a vision for sustainable development which leverages technology and not the other way around.

Our community sees a future where technology serves as a bridge to prosperity, connecting aspirations with opportunities. Our mission, core values, and philosophy reflect a commitment to not just imagining this future, but actively building it, one project at a time.

Our Values

Our values are grounded in the belief that technology, when thoughtfully applied, can be a powerful force for good. ToroNet embodies this by creating solutions that are:


Built by Africans for Africans, our initiatives are deeply rooted in understanding local challenges and leveraging community insights to drive meaningful change.


We are committed to projects that not only address immediate needs but also contribute to a cycle of positive impact, ensuring long-term benefits for individuals and the environment.


By democratizing access to financial tools and services, we aim to bridge the gap between traditional banking infrastructures and the digital economy, ensuring everyone has the opportunity to participate in and benefit from the growing digital landscape.

Transparent and Secure

Leveraging blockchain technology, we ensure that all transactions are transparent, secure, and tamper-proof, building trust within our communities and with our partners.


We measure success not just by financial metrics but by the positive impact on people’s lives — be it through improved livelihoods, environmental conservation, or enhanced access to essential services.

Our Mission

At TòròNet, our mission is to reimagine and rearchitect the future of finance and community empowerment across Africa. We are driven by the vision of a continent where every individual has the opportunity to thrive, unhampered by the limitations of traditional financial systems. ToroNet is not just a platform; it’s a movement towards creating accessible, transparent, and equitable financial services for all, particularly focusing on the underserved and unbanked populations.

Through innovative use of blockchain technology, we aim to unlock economic potential and foster sustainable growth across our genesis projects in sectors in such as agriculture, recycling, healthcare, renewable energy, housing, creative arts, consumer electronics and digital finance. Our projects— Plastoken, AgriFi, Espees, and HealthGO — are tailored to address specific community needs, from environmental sustainability to financial inclusion and beyond, ensuring that progress and prosperity are within everyone’s reach.

Imagine a world...

Imagine everyone in your neighborhood owns something valuable — like a house, a small piece of land, a family-run stall or even idle time. Now, suppose you want to borrow some money to fix your roof or grow your stall into a small café. Usually, you’d go to a bank and use your house or land as collateral to get that loan. The reality however in many parts of the world getting banks to recognize your house or stall as collateral is nearly impossible and even when they do the terms are seldomly reasonable. 

This is where TòròNet steps in

Inspired by a simple but powerful idea from a man named Hernando de Soto. He believes that everyone should be able to use their homes, lands, or businesses as a stepping stone to get loans and grow their wealth — no matter where they live.

Toronet aims to turn what you own into a key that unlocks loans, savings, and other financial services, even if the world hasn’t given you an official paper for it. It’s like we’re saying, ‘We see the value in what you have and believe it should help you build a better future.’

We’re here to bridge the gap between what you own and the opportunities you deserve. By doing this, we’re not just lending money; we’re creating a world where everyone’s assets, big or small, are recognized and can be used to make dreams come true. This is the heart of what we want to achieve with Toronet: turning your valuable possessions into tools that help you and your community thrive.”

We capture the essence of capital formation and financial inclusion in an accessible manner, connecting directly with the practical implications for individuals and communities that Toronet seeks to address.