uXpress (Co-op Pay) SACCO Society Ltd

Co-op Pay Project

Co-operative Society Debenture 

Coupon: 23% p.a. | Paid Semi-Annually | Tenor: 3 Years | Denomination: PUR-US$1 | Minimum Subscription: US$1

Overview

Issuer: uXpress Co-operative Union SACCO Society Ltd
Instrument: Fixed Rate Redeemable Debentures
Total Value: US$2,000,000
Units: 2,000,000 CDEs @ US$1 each
Coupon Rate: 23% per annum, paid semi-annually (11.5% every 6 months)
Tenor: 3 years (2025–2028)
Minimum Subscription: 1 debenture (US$1)
Trustee / Escrow Bank: Zimbabwe Women’s Microfinance Bank (ZWMB)
Platform: allWomen.africa Co-op Pay 

Purpose of the Issue

To raise retail capital to purchase 25% (statutory limit) shareholding in allWomen Connect (Private) Ltd

Licensing and deployment of the Retail Services Payment System Provider (RSPP) under the RBZ framework;

Scale-up of the Purse App for digital financial services, loyalty cards, and women-focused fintech solutions;

Development of merchant services and co-operative investment infrastructure;

Financing onboarding of 100,000+ women MSMEs merchants;

Strengthening of bank-grade KYC, compliance, and secure transaction processing.

This debenture issue empowers Zimbabwean women to own and grow a digital financial institution built for them.

Investor Benefits

High yield: 23% annual return, paid semi-annually;

Low entry point: Invest from US$1;

Impact investment: Supports women-led MSMEs, co-operatives, and digital inclusion;

Alignment with future expansion: Potential for future listing on the Cooperative Debentures Exchange (CDE);

Backed by allWomen.africa a fast-growing national fintech ecosystem for women.

Subscription and Contacts

Subscription Opens: 1 December 2025
Minimum Subscription: US$1

Buy allWomen CDEs on:
https://allWomen.africa/pay 

Contacts

SACCO: cooppay@allwomen.africa
ZWMB Structured Finance Division: info@womensbank.co.zw
Financial Advisor: ZWMB Structured Finance
Issuer: cooppay@allWomen.africa

Issued by:

uXpress Credit Union SACCO Society Ltd sponsored by Zimbabwe Women’s Microfinance Bank (ZWMB)
US$2 Million allWomen Retail Capital Debenture Issue | Tenor: 3 Years | Coupon: 23% Semi-Annual