Question?

Africa continues to need development and support.  Harmony is part of the L.O.V.E. system of expanding light and Africa remains our top priority to provide basic needs to all humans.  Our Financial Service Centers will be located in every World Standing Together Charter to support the financial coordination of our members.  

Harmony Bank & Trust is a financial arm of Karamoui's Bank /Trust Ltd, registered in the Republic of Cameroon in 2004.  Harmony is positioned as a Private Financial Association to support the World Standing Together program.  Our Financial Service Centers will provide services as required in trust management, asset planning and commerce coordination. 

The simple answer, Harmony is a merchant bank.  We don't loan money; we participate with our members to ensure success.  Our goal is to provide the resources to support your passion.  Our Financial Service Centers offer free services to support our members. 

We participate in management, sourcing, marketing until the business/entity can operate successfully on their own.  Funds are paid back overtime without interest, so Harmony has the ability to support our members in following their dreams as a partner. 

Ownership is based on normal equity position at the beginning, but our goal is to help you get started, recap our investment and get out of your way.   At the end of our programs sponsored by World Standing Together, 70 to 82% remains local ownership and over 90% in host Nation.  Our Financial Service Centers will remain to support our projects and memberships. 

The membership is the simple answer.   World Standing Together model connects all members into a social economic secure network to provide support from sourcing, marketing, professional management& services, risk management, AI systems and analysis.  The remaining percentages are paid to local, regional, national and international infrastructures to provide your business with unsurpassed technology and resources never offered before in a seamless social network - that you owned as a member.  

Harmony invests in people and their dreams.   If you are a member of World Standing Together and have ability to invest in your dream, than we will do everything possible to ensure your success.   Help rebuild your city, town or village.  Once you have a local charter in your area the funding source can be released.   We can coordinate funds for a local pizza parlor to supporting a 10-year development plan for your city.

World Standing Together website:     World Standing Together (wst.life)