mBrics
China–Africa trade infrastructure · one mandate, every currency
中非贸易基础设施 · 一笔指令，多币结算

mBrics

Global Trade, Made Simple 全球贸易，更加简单 全球贸易，更加简单 Global Trade, Made Simple

Making global trade simple — with local currency settlement.

让全球贸易更简单 — 本币结算，一站到位。

mBrics is the administrative coordinator for China–Africa commodity corridors. We normalize and validate trade data under UCP 600 and ISO 20022, align every document before the bank opens the file, and route one clean buyer mandate into Rand and local payouts — so mines, buyers, and banks keep moving without traders in the middle.

mBrics 是中非大宗商品通道的行政协调方。我们在 UCP 600 与 ISO 20022 下规范化并校验贸易数据， 在银行审单前即对齐全部单证，并将买方一笔清晰指令拆分为兰特与本币支付 — 让矿山、买方与银行 顺畅运转，中间无贸易商层层加码。

Instead of brokers taking a cut at every hop 不再 每层经纪抽佣 Direct supply — mine to tier-one state-owned buyers 直接供货 — 矿山到一线国有采购方
Instead of forcing trade through dollars 不再 强迫贸易经美元 RMB from China, Rand in Africa — paid locally 中国付人民币，非洲收兰特 — 本币结算
Instead of paperwork that blocks release 不再 单证卡住放款 Documents aligned first — capital moves on time 先对齐单证 — 资金按时释放
How mBrics works mBrics 如何运作

Why mBrics exists

mBrics 解决什么

We make trade simple by fixing what actually stops it — the paperwork.

我们让贸易变简单 — 从真正卡住的地方入手：单证。

A Fortune Global 500 buyer wants direct supply. A South African mine wants a fair Rand receipt. Between them: traders, mismatched documents, and payments in currencies nobody chose. mBrics is the coordination layer that makes it work — one mandate in, structured payouts in each party's banking currency, documents aligned before presentation. The same model runs both ways — minerals out, and procurement in through mBrics Find.

世界500强买方要直接采购。南非矿山要公平的兰特入账。中间隔着：贸易商、不一致的单证、以及各方未主动选择的币种。 mBrics 是让这一切运转的协调层 — 一笔指令进、按各方开户币种结构化支付出、交单前单证已对齐。 同一模式双向运行 — 矿产出口，以及通过 mBrics Find 的采购进口。

Documents that don't match 单证对不上

Assay says one weight. Invoice says another. The bank won't release — and the mine doesn't get paid.

检验重量与发票不符。银行不放款 — 矿山收不到钱。

→ We align documents before the bank sees them → 银行审单前即完成对齐
Margins lost to traders 利润耗在贸易商

Every trader in the chain takes a spread. FX gets buried inside opaque quotes. Nobody sees the true economics.

链条上每个贸易商抽一层。汇率藏在不透明报价里。没人看清真实经济性。

→ Margin stays with the producer, not the trader chain → 利润留在生产商，不在贸易商链
Payments split every way 支付四面八方

Treasury issues one instrument but operations must wire mines, ports, assayers, and carriers — each in a different currency.

财资出一笔工具，运营却要分别向矿山、港口、检验与承运人汇款 — 币种各不相同。

→ One RMB in, Rand and local currencies out → 一笔人民币进，兰特与本币出
01 · Bidirectional trade 01 · 双向贸易

One model. Two directions.

一套模式。两个方向。

Export minerals to China, or import goods from China — mBrics runs the same settlement discipline both ways. One clean number on your side. Every supplier and service provider paid in their own currency behind the scenes.

向中国出口矿产，或从中国进口货物 — mBrics 以同一结算纪律双向运行。 您这边只见一个清晰数字。幕后各供应商与服务商按本币分别收款。

Export · minerals to China 出口 · 矿产至中国

One RMB undertaking from the buyer

买方一笔人民币承诺

Mines, assayers, and logistics paid in Rand — direct supply to tier-one state-owned buyers, without traders in the middle.

矿山、检验与物流以兰特收款 — 直接向一线国有采购方供货，中间无贸易商。

Import · mBrics Find 进口 · mBrics Find

One landed Rand price for the buyer

买方一笔到岸兰特价

Factories, agents, and freight paid in RMB, Rand, or USD as needed — you source from China like a local, we handle the complexity behind the curtain.

工厂、代理与物流按需以人民币、兰特或美元支付 — 您像本地人一样从中国采购，复杂部分由我们在幕后处理。

02 · What we provide 02 · 我们提供什么

The trust layer between the field and the bank

现场与银行之间的信任层

mBrics is the automated administrative coordinator that keeps evidence, milestones, and payout instructions in sync — so banks release with confidence. Funds, FX, compliance, and final authority stay with the bank; we make the workflow simple enough to run at scale.

mBrics 是自动行政协调方，使证据、里程碑与支付指令保持同步 — 让银行放心放款。 资金、外汇、合规与最终审批权仍由银行掌握；我们让工作流简单到可以规模化运行。

Documents that agree

单证一致

Assay, invoice, and customs reconciled into one bank-ready package — before anyone argues.

检验、发票与报关在对峙前即对齐为银行可用交单包。

Pay when it's real

货到才放款

Capital releases only when load, inspection, customs, and shipment are objectively proven.

仅在装载、检验、报关与装运被客观证明后释放资金。

Everyone paid locally

各方本币收款

One RMB undertaking from China — mines, ports, and carriers paid in Rand and African local currencies.

中国一笔人民币承诺 — 矿山、港口与承运人以兰特及非洲本币收款。

Bank-ready from day one

首日即银行可用

UCP 600 discipline, ISO 20022 output, and maker-checker instruction packages the desk already understands.

UCP 600 纪律、ISO 20022 输出，以及柜台熟悉的经办/复核指令包。

03 · Architecture 03 · 架构

Money flow and data flow — kept separate by design

资金流与数据流 — 刻意分离

Banks control money. mBrics controls the workflow layer that makes release clean, fast, and auditable. The same architecture supports export (minerals to China) and import (Find procurement from China).

银行控制资金。mBrics 控制使放款干净、快速、可审计的工作流层。 同一架构同时支持出口（矿产至中国）与进口（Find 中国采购）。

Financial flow — bank-controlled

资金流 — 银行控制

Chinese buyerRMB undertaking
中国买方人民币承诺
Issuing bankRMB collection
开证行人民币收款
Africa-side bankLocal FX & release
非洲侧银行本币兑换与放款
African payeesZAR & local currencies
非洲收款方兰特及本币

Data flow — mBrics-controlled

数据流 — mBrics 控制

Trade partiesContracts & uploads
贸易各方合同与上传
mBrics platformVerify & normalize
mBrics 平台校验与规范化
ISO 20022 packageRelease instructions
ISO 20022 指令包放款指令
Bank deskMaker-checker approval
银行柜台经办/复核审批

ISO 20022 instruction pipeline

ISO 20022 指令管道

  • Ingest — invoices, assays, customs, logistics proofs into one record
  • 采集 — 发票、检验、报关、物流凭据汇入一条记录
  • Validate — reconcile parties, amounts, milestones under UCP 600
  • 校验 — 在 UCP 600 下对齐参与方、金额与里程碑
  • Output — structured release instructions via API, email, or bank portal
  • 输出 — 通过 API、邮件或银行门户输出结构化放款指令

Documentary settlement

跟单结算

The buyer issues a bank-backed payment undertaking against compliant trade documents. mBrics coordinates the evidence; the bank executes release. No client fund custody on our side.

买方针对合规贸易单证出具银行背书的付款承诺。 mBrics 协调证据；银行执行放款。我方不代持客户资金。

04 · Settlement 04 · 结算

One mandate, many currencies

一笔指令，多种货币

Treasury holds one RMB instrument. Operations receive milestone-led payouts in the right currency per country and payee — without routing China–Africa trade through a USD conversion layer.

财资端保留一笔人民币工具。运营端按国家与收款方，在里程碑满足后以正确币种收款 — 无需将中非贸易强制经美元转换。

Market 市场 Payee 收款方 Currency 币种
China 中国 State-owned buyer 国有采购方 RMB (single undertaking) 人民币（单一承诺）
South Africa 南非 Mine · assayer · inland logistics 矿山 · 检验 · 内陆物流 ZAR 兰特
Africa (expanded) 非洲（扩展） Local suppliers & services 本地供应商与服务 Local currency 本币
International 国际段 Ocean carrier (where applicable) 海运承运人（如适用） Contract currency 合同约定币种
05 · Go deeper 05 · 深入了解

Same story, different doors

同一故事，不同入口

Settlement infrastructure powers everything. Find is how African buyers live it every day — discover products in China, see one landed Rand price, and let mBrics handle the rest.

结算基础设施驱动一切。Find 是非洲买方每日体验的方式 — 在中国发现产品、看到一个到岸兰特价，其余由 mBrics 处理。

mBrics Find

Find it · Like it · Want it · Get it — China sourcing with the same one-mandate settlement model in reverse.

发现 · 喜欢 · 想要 · 到手 — 中国采购，同一笔指令结算模式反向运行。

Explore Find →探索 Find →
Settlement desk 结算工作台

Documentary settlement, milestone release, multi-currency disbursement, and the secure portal gateway for authorized parties.

跟单结算、里程碑放款、多币种支付，以及授权各方的安全门户网关。

Open settlement desk →打开结算工作台 →

Global trade, made simple — when documents agree, capital moves.

全球贸易，更加简单 — 单证一致，资金才动。

Mines get paid in Rand. Shelves get stocked through Find. Treasury holds one RMB instrument while every African payee receives local currency — without traders in the middle and without forcing China–Africa flows through dollars. That is the mBrics niche: simple trade, institutional discipline.

矿山以兰特收款。货架通过 Find 补货。财资端持有一笔人民币工具，非洲各方按本币收款 — 中间无贸易商、中非资金流不必经美元。这是 mBrics 的差异化：贸易更简单，纪律更机构化。

Open settlement desk 打开结算工作台 Source with mBrics Find 用 mBrics Find 采购