What mTOMADY does

mTOMADY gGmbH is a Berlin-headquartered nonprofit social enterprise that builds and implements digital health financing technology for uninsured and low-income populations in Sub-Saharan Africa. The company operates a USSD-based Mobile Health Wallet platform accessible via basic mobile phones or SIM cards, with offline-first tablet applications and a web-based management interface, enabling beneficiaries to save, receive, and spend mobile money exclusively on health-related expenses. Core product components include mobile enrollment and membership ID issuance, USSD menu-based health savings and payments, digital claims submission with automated fraud scanning, beneficiary and health facility registries, performance-based payments to community health workers, and real-time KPI dashboards for program monitoring. The platform underpins multiple programs: the Mobile Maternal Health Wallet (Madagascar, 2019), COVER Madagascar / Tosik'aina health coverage (since 2020, 25,000 smallholder farmers), the Digital Insurance Card digitizing community-based health mutuals (since 2021, 150,000+ beneficiaries), the Salama Mateza cocoa-farming health insurance project, and a Mobile Health Wallet deployment in Bukavu, Democratic Republic of Congo.

The company generates revenue through technology implementation partnerships and grant funding rather than product sales, working with donors, governments, and NGOs that fund deployment for target populations. Anchor funding partners include Bayer Foundation, GIZ's DeveloPPP program, Vitol Foundation, EKFS, BMBF, and DIFAEM, with the Malagasy Ministry of Health as a co-design government partner and Doctors for Madagascar, Charité, the Berlin Institute of Health, University of Heidelberg, TU Berlin, and KNUST as implementation or research collaborators. mTOMADY originated as a project of Doctors for Madagascar (founded 2011), was accelerated through the Berlin Institute of Health Digital Health Accelerator in 2018, and was incorporated as an independent entity (mTOMADY gGmbH) in 2020. Distribution relies on enterprise field sales to foundations, government health ministries, insurers, and NGOs, with offices in Berlin (HQ), Leipzig (legal entity), and Antananarivo, Madagascar.

Name

mTOMADY

Legal name

mTOMADY gGmbH

Website

https://www.mtomady.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

11–50 employees

Short description

mTOMADY is a Berlin-based nonprofit social enterprise that builds a USSD-based Mobile Health Wallet platform enabling low-income populations in Sub-Saharan Africa to save, enroll in coverage, and pay for healthcare via basic phones, deployed through partnerships with donors, governments, and mutual health insurers.

Ownership category

akta.pro rank

Product category

Digital Health Financing Technology

NAICS

Health and Welfare Funds (52512), Social Assistance (624)

SIC

Services-Health Services (8000), Services-Prepackaged Software (7372)

akta.pro primary industry

Medication Adherence & Therapy Management Platforms (refills, reminders, MTM) (HLALAIAG)

akta.pro secondary industries

Carrier Billing & Telco Mobile Money (FSAMAEAD), Mobile Wallets (NFC Tap-to-Pay / HCE) (FSAMAEAB)

Keywords

• Mobile health wallet
• Digital health financing
• Community health insurance
• USSD health payments
• Conditional cash transfers

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales

Revenue model

1. Technology Implementation & Licensing: As a nonprofit social enterprise, mTOMADY generates revenue through technology implementation partnerships with donors, governments, and NGOs rather than direct product sales.
2. Grant Funding & Donations: Funded by foundations (Bayer Foundation, Vitol Foundation, EKFS), government programs (GIZ DeveloPPP), and international development organizations to build and implement health financing technology.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

mTOMADY builds and implements a USSD-based Mobile Health Wallet platform that allows low-income users with basic mobile phones to save, manage, and spend earmarked funds on healthcare. It digitizes community-based health insurance and supports conditional cash transfer programs in Sub-Saharan Africa, primarily Madagascar, DRC, and Ghana.

Product overview

mTOMADY is a nonprofit social enterprise that builds and implements a mobile health wallet technology platform that lowers financial barriers to healthcare. The core product is the Mobile Health Wallet - a USSD-based mobile platform that enables beneficiaries to save, receive, and spend mobile money for health expenses. The platform operates across multiple products including the Mobile Maternal Health Wallet (for pregnant women), Digital Insurance Card (digitizing community health insurance), and various administrative tools for beneficiary management, claims processing, fraud detection, and health worker payments. All products share core infrastructure for offline functionality, data-driven planning, and monitoring & reporting.

Differentiator

Problem solved

Functional benefit

Brands

• Mobile Maternal Health Wallet (MMHW): Digital health wallet for pregnant women to save and receive mobile money for maternal health expenses, with 50% matching funds incentive.
• Digital Insurance Card
• Mobile Health Wallet
• Tosik'aina
• Avotr'aina

Products and services

• Mobile Health Wallet

Quantifiable outcome

• 96% of beneficiaries report accessing better quality health services because of Tosik'aina program
• +5 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature10 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Berlin Institute of Health (BIH)coreStrategic or Co-development Partner · 1 January 2018Accepted into BIH's Digital Health Accelerator program in 2018, enabling collaboration between doctors, engineers, and economic experts across Berlin and Madagascar.
• Doctors for Madagascar (DfM)coreStrategic or Co-development Partner · 1 January 2011mTOMADY originated as a project of Doctors for Madagascar, an NGO founded in 2011 to improve access to essential health services in Madagascar. DfM continues as a key implementation partner for mTOMADY projects.
• Malagasy Ministry of HealthcoreStrategic or Co-development PartnerGovernment partner for Mobile Maternal Health Wallet and other health financing programs. Co-designs and approves health programs.
• DIFAEMcoreStrategic or Co-development PartnerGerman development organization partnering on DRC Mobile Health Wallet project in Bukavu.
• Max Felchlin AGminorStrategic or Co-development PartnerSwiss chocolate manufacturer partnering with mTOMADY for Salama Mateza project providing health insurance for cocoa farming communities in Madagascar.
• Sambirano SA CooperativeminorStrategic or Co-development PartnerLocal cocoa cooperative in Diana Region, Madagascar. Launched follow-on project expanding healthcare access to wider group after Salama Mateza success.
• Tsiharofy Mutual Health InsurancecoreStrategic or Co-development PartnerCommunity-based health insurance provider in Madagascar. mTOMADY facilitates enrollment and claims management through their platform.
• Charité - Universitätsmedizin BerlinminorStrategic or Co-development PartnerUniversity hospital partnership supporting global health research and innovation programs.
• University of HeidelbergminorStrategic or Co-development PartnerAcademic partnership for health research and global health programs.
• Technische Universität BerlinminorStrategic or Co-development PartnerUniversity partnership for technology and innovation research.
• KNUST (Kwame Nkrumah University of Science and Technology)minorStrategic or Co-development PartnerAcademic partnership in Ghana for health research.
• 60 DecibelsminorImplementation/ SI/ Consulting PartnerIndependent impact evaluation firm that conducted evaluation of Tosik'aina program, providing data on beneficiary outcomes.
• ACCESS TanzaniaminorStrategic or Co-development PartnerPartner organization in Africa working on health access initiatives.
• Morrison & FoersterminorStrategic or Co-development PartnerLaw firm that partnered with mTOMADY to celebrate World Health Day and support legal/compliance aspects.

Scale indicators8 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• CarePay / M-TIBA: CarePay operates the M-TIBA mobile health wallet in Kenya, enabling patients to save, send, and spend mobile money for healthcare via mobile phones—directly comparable to mTOMADY's Mobile Health Wallet model and target beneficiary population in Sub-Saharan Africa.
• PharmAccess Foundation: Dutch nonprofit that digitizes health insurance and provider payment processes across Africa (including through mobile money platforms), serving mutual health insurances and government health financing programs in ways closely aligned with mTOMADY's Digital Insurance Card and Tosik'aina offerings.
• Babyl (Rwanda): Digital health platform in Rwanda providing USSD- and mobile-based access to health consultations, insurance enrollment, and provider payments—overlapping directly with mTOMADY's mobile-first, USSD-enabled health financing model for underserved African populations.
• BIMA Mobile: Operates mobile-delivered microinsurance and health financing products across emerging markets in Africa and Asia, often via USSD and telco partnerships—closely comparable to mTOMADY's mobile wallet for health savings and insurance premium distribution.
• MicroEnsure (now part of MicroInsurance): Pioneer in mobile-delivered microinsurance products targeting low-income populations in emerging markets, including health coverage through mobile money rails—comparable to mTOMADY's community-based mutual health insurance digitization work in Madagascar.

Emerging players

• Halodoc: Indonesia's leading digital health platform integrating telemedicine, pharmacy, and insurance/wallet features via mobile app—offers a comparable digital health-financing-plus-services model for emerging markets, though app-centric rather than USSD/SIM-first like mTOMADY.
• WorldCover: Provides digital insurance (crop, climate, and emerging health products) to smallholder farmers in Africa via mobile-based enrollment and claims—comparable in target customer (smallholder farmers), distribution model (mobile/SIM), and emerging-market focus to mTOMADY's COVER Madagascar and Salama Mateza work.

Broad incumbents

• Ping An Good Doctor: One of the world's largest digital health platforms with integrated online consultation, insurance, and payment features—relevant broad incumbent benchmark for how digital health wallets and insurance could evolve at scale in mature markets.
• Safaricom (M-Pesa Health): East Africa's dominant mobile money operator with growing healthcare integrations (e.g., M-TIBA partnership); represents the structural risk and benchmark for telco-controlled mobile health wallet infrastructure in mTOMADY's core geography.
• AXA Africa: Major global insurer with significant African operations in health and life insurance—represents the type of incumbent incumbent that could partner with, acquire, or compete against mTOMADY's mutual health insurance digitization model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about mTOMADY