Full-Stack Maternal Health & HIV/STI Financing in Zimbabwe
MAMAZWE is the Zimbabwe deployment of Mama Tokens—a complete maternal health and HIV/STI incentive, wallet, analytics, and field infrastructure programme built in partnership with ZimbosAbantu Healthcare on Wheels. Token incentives reward real clinical milestones. Funding flows are fully traceable. Infrastructure works offline.
200,000+
Patients in ZimbosAbantu network
Multi-van
Mobile clinic fleet
NAC + MoHCC
Government partnerships
6
Stack components under MOU
ANC · HIV · STI
Clinical domains covered
ZimbosAbantu and the Last-Mile Health Gap
ZimbosAbantu Healthcare on Wheels is a Zimbabwean social enterprise operating a fleet of mobile clinics — converted vans that reach poor, densely populated peri-urban and rural communities with no reliable access to fixed health facilities. Their integrated service model delivers maternal care, HIV management, STI treatment, NCD screening, and primary healthcare from a single mobile point of care — serving over 200,000 patients across Zimbabwe.
ZimbosAbantu holds formal programme partnerships with Zimbabwe's National AIDS Council (NAC) and the Ministry of Health and Child Care (MoHCC), enabling them to deliver accredited HIV, STI, and NCD services in communities where both maternal mortality and HIV burden are highest. Their mobile clinic model is not a stopgap — it is the primary healthcare infrastructure for the communities they serve.
MAMAZWE is built around ZimbosAbantu's existing clinic infrastructure, not alongside it. The programme is designed to strengthen attendance, improve financing traceability, and generate the population health data needed to attract sustainable capital — without disrupting a model that already works at scale.
200,000+
Patients served across Zimbabwe
Multi-van
Mobile clinic fleet (converted vans)
NAC + MoH
Government programme partnerships
Peri-urban & rural
Primary communities served
Services delivered at each mobile clinic stop
- Antenatal care (ANC) visits
- HIV testing, counselling, and management
- STI screening and treatment
- Prevention of Mother-to-Child Transmission (PMTCT)
- Family planning
- Primary healthcare and NCD screening
Incentives and Health Financing for Zimbabwe
MAMAZWE localises the Mama Tokens model for Zimbabwe: programme logic, milestone definitions, and redemption categories are configured to ZimbosAbantu's clinical protocols and Zimbabwe's national maternal and HIV/STI guidelines. Every funding event is traceable from donor to specific service delivery.
Milestone-linked issuance into AmmaWallet
MAMAZWE tokens are issued directly to the beneficiary's AmmaWallet account when a CHW or clinic staff member verifies a qualifying milestone: ANC visit attendance, HIV/STI screening, adherence check-in, or SproutX health module completion.
Closed-loop network tied to ZimbosAbantu services
Tokens can only be redeemed with vetted providers within the MAMAZWE network. ZimbosAbantu's mobile clinics are the initial redemption point — ensuring every token spent maps directly to a real maternal or HIV/STI service delivery event.
Funder-configured rules, powered by the full stack
Funders set which milestones trigger issuance, what services tokens cover, and redemption windows — without code changes. The Medical Aid Analytics Tool gives funders and programme managers real-time visibility into spend, uptake, and outcomes.
On-chain auditability, offline-first infrastructure
Every issuance and redemption is recorded on the Stellar ledger. The Secure Field Infrastructure Node processes transactions offline when mobile clinics are out of connectivity range, syncing to the ledger automatically when connectivity resumes.
The MAMAZWE Stack in Zimbabwe
Five integrated components built under formal MOUs between SM Web Systems and ZimbosAbantu, connected around MAMAZWE token incentives as the financing and engagement layer.
MAMAZWE — Mama Tokens Zimbabwe
MAMAZWE tokens are issued on the Stellar network when ZimbosAbantu CHWs or clinic staff verify that a beneficiary has completed a qualifying milestone—an ANC visit, HIV/STI screening, adherence check-in, or SproutX module. Tokens are redeemable only with vetted providers within the MAMAZWE network, creating a closed, auditable loop from funder commitment to service delivery event. The five components below plug into this incentive layer.
Digital Health Wallet & Micro-Medical Aid
AmmaWallet
A USSD-compatible, offline-first digital health wallet built for unbanked women and Community Health Workers operating in low-connectivity environments.
- USSD and WhatsApp access — no smartphone required
- Offline-first architecture with secure sync when connectivity resumes
- USD-pegged stablecoin integration for micro-medical aid stipends
- Digitised Chikwama/Mukando community savings models
- Direct-to-beneficiary health stipend disbursement
Population Health Analytics
Medical Aid Analytics Tool
A privacy-first analytics and dashboard layer that builds the actuarial baseline needed to design sustainable insurance-like products for people living under USD 4/day.
- Pseudonymised, privacy-first data architecture
- Population-level maternal and HIV/STI health insights
- Risk modelling for micro-medical aid product design
- Real-time dashboards for programme staff and funders
- Aligned to MoH reporting requirements
AI Clinical Triage
AI Symptom Checker
A low-bandwidth AI triage assistant accessible via WhatsApp and USSD, tuned to ZimbosAbantu's clinical protocols to reduce mobile clinic overcrowding and provide early care guidance.
- WhatsApp and USSD delivery — works on basic handsets
- Tuned to ZimbosAbantu maternal care and HIV/STI protocols
- Early triage reduces non-urgent mobile clinic visits
- Escalation pathways route critical cases to the nearest clinic
- Multilingual support for Shona, Ndebele, and English
Learning Management System
SproutX LMS
A low-bandwidth LMS delivering structured training for Community Health Workers and health literacy modules for patients, covering maternal care, HIV adherence, and preventive medicine.
- Low-data modules optimised for 2G and 3G networks
- CHW certification tracks for maternal care and HIV/STI protocols
- Patient literacy content on ANC, nutrition, and adherence
- Progress tracking integrated with MAMAZWE milestone verification
- Offline content caching for field use without connectivity
Secure Field Infrastructure
Communications Node
Rugged edge server nodes deployed inside ZimbosAbantu mobile clinic vans, enabling offline-first EHR, secure messaging, and MAMAZWE token transaction processing with zero-trust security architecture.
- Physical nodes installed in mobile clinic vehicles
- Offline-first EHR and token transaction processing
- Zero-trust security with encrypted storage and communications
- AI-optimised data sync when clinic connectivity is available
- Tamper-evident logging for clinical and financial audit trails
How They Connect
AmmaWallet holds and spends tokens. SproutX module completions trigger issuance. The Analytics Tool monitors outcomes. The AI Symptom Checker routes patients to the right clinic visit. The Field Node processes all of this offline when mobile clinics are out of connectivity range.
HIV, STIs, and Maternal Health
Zimbabwe carries one of the highest HIV burdens in sub-Saharan Africa, and pregnant women living with HIV face compounded risks — to their own health and to their infants through mother-to-child transmission. STI co-infection further increases adverse pregnancy outcomes. For communities in peri-urban and rural Zimbabwe, access to integrated ANC and HIV/STI care is not guaranteed by proximity to a facility — it depends on whether a mobile clinic shows up, and whether a woman has the means and motivation to attend.
ZimbosAbantu's mobile clinics are among the few mechanisms capable of bringing HIV testing, STI screening, PMTCT services, and ANC to the same appointment, in the same van, in the same community visit. The model works clinically — the barrier is sustained attendance and fragmented programme funding. MAMAZWE addresses both: token incentives create a tangible reason to attend consecutive visits, while programmable financing makes every funding event traceable from donor to the specific service delivered.
The result is a single platform where a pregnant woman earns tokens for attending an ANC visit, receives integrated HIV and STI screening at the same appointment, accesses health literacy content through SproutX on any handset, and redeems tokens for follow-up care at the next mobile clinic stop — all recorded, all auditable, all connected.
HIV burden
Zimbabwe carries one of the highest HIV prevalence rates in sub-Saharan Africa. Pregnant women living with HIV require integrated ANC and PMTCT services—making co-located maternal and HIV care critical, not optional.
STI co-morbidity
STIs including syphilis significantly increase adverse pregnancy outcomes. ZimbosAbantu's mobile clinics deliver integrated STI screening and treatment alongside ANC, a model MAMAZWE incentivises directly.
Last-mile delivery gap
Rural and peri-urban communities often lack fixed health facilities within reasonable distance. Mobile clinics bridge this gap—but depend on reliable patient uptake, which MAMAZWE's incentive layer is designed to sustain.
Financing gap
Most community health financing in Zimbabwe relies on donor grants with limited traceability. MAMAZWE introduces programmable, outcome-linked financing that can attract new digital health and impact capital to the sector.
Roadmap for Zimbabwe
Three phases moving from pilot deployment through expanded coverage to sustainable micro-medical aid products.
Pilot — Operationalise Core Stack
Operationalise MAMAZWE token incentives, AmmaWallet disbursement, and basic analytics across ZimbosAbantu's mobile clinic fleet. Enrol an initial ANC beneficiary cohort, validate CHW-led milestone verification workflows, and collect the first wave of outcome and transaction data sufficient to demonstrate proof-of-concept to funders.
- MAMAZWE token issuance live for ANC and HIV/STI milestones
- AmmaWallet accounts active for first beneficiary cohort
- Secure Field Nodes operational in clinic vehicles
- SproutX LMS CHW training programme launched
Consolidate — Reporting and Micro-Medical Aid Design
Integrate the Medical Aid Analytics dashboard with MoH reporting formats and ZimbosAbantu programme monitoring. Use Phase 1 outcome data to begin refining the actuarial model for micro-medical aid products. Expand HIV/STI and NCD milestones alongside ANC. Formalise funder reporting against SDG 3 and impact finance standards.
- Analytics dashboard integrated with MoH reporting formats
- HIV/STI and NCD milestone incentives activated
- Actuarial baseline established from Phase 1 data
- Funder impact reporting framework formalised
Scale — New Sites and Dedicated Health-Financing Capital
Expand MAMAZWE to additional ZimbosAbantu clinic sites and partner districts. With a mature actuarial dataset, pilot the first pooled micro-medical aid products — community coverage for maternal care and HIV/STI services underwritten by programme data and anchored in AmmaWallet savings. Attract dedicated health-financing capital on the strength of Phase 2 outcomes.
- Additional clinic sites and partner districts onboarded
- First micro-medical aid product piloted with pooled beneficiaries
- Chikwama/Mukando community savings integrated with AmmaWallet
- Dedicated health-financing capital secured for scale
Partner With MAMAZWE
We are actively building the MAMAZWE partner network across clinics, funders, and evaluation institutions.
Clinics & Mobile Operators
Join the MAMAZWE provider network.
- Accept MAMAZWE token redemptions for maternal and HIV/STI services
- Access structured patient data through the Medical Aid Analytics dashboard
- Receive CHW training and certification support via SproutX LMS
- Integrate with the Secure Field Infrastructure Node for offline EHR
Funders & Donors
Deploy capital with full traceability and outcome linkage.
- Programme funding flows directly to verified service events
- Immutable on-chain audit trail from disbursement to redemption
- Impact data aligned to SDG 3, PEPFAR, and global maternal health KPIs
- Opportunity to co-design milestone criteria and eligible service categories
Research & Evaluation Partners
Evaluate a live incentive programme in a real deployment.
- Access to pseudonymised programme and transaction data
- Collaboration on evaluation design and impact measurement frameworks
- University and research institution MOUs available
- Co-publication opportunities on incentive-based ANC and HIV/STI programmes
Build the Future of Maternal Health Financing in Zimbabwe
Whether you operate clinics, deploy health capital, or conduct impact research— MAMAZWE is designed for partners who want traceable outcomes, not opaque programme reporting.