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## Streetwealth Edition

Game Guide

### How to play Mtaani.

A complete reference for rules, tiles, economy, and special events in the currently selected edition.

![Streetwealth Edition board art](https://mtaani.nordkisel.com/art/center.svg?edition=ke)

### Quick Facts

- **Objective**: Be the last player standing after everyone else goes bankrupt.

- **Players**: 2 to 4, with humans, bots, or any mix of both.

- **Starting cash**: 1,500,000 SFR

- **Payday salary**: 400,000 SFR

### Overview

Mtaani is a board game inspired by Monopoly where players build wealth by buying neighborhoods, trading assets, taking credit, and surviving both personal and global events.

The board is a 13 by 13 square loop with 48 tiles around the edge. The selected edition changes names, art, and local flavor, while the core rules stay aligned.

### Flow of play

All players begin at Payday and roll two dice on their turn. Rolling doubles immediately grants another turn.

Each time you pass Payday you collect a salary. Landing exactly on Payday doubles that payment.

- Passing Payday pays 400,000 SFR; landing exactly there pays 800,000 SFR.

- A turn is one player's active move. Rolling doubles creates an immediate extra turn for that same player.

- A revolution is counted once every active player has passed Payday at least once.

- Turns and revolutions are separate clocks: turns cover jail time and ATM bank-loan terms, while revolutions drive round-based effects shared across the table.

### Economy, loans, and mortgages

Landing on an unowned property lets you buy it outright or pay its fee to the bank. Owned properties charge visiting players as long as they are not mortgaged.

The game supports both bank loans and peer-to-peer loans. In variable-loan games, the bank can increase loan size after a few revolutions based on net worth.

- The default bank loan is 350,000 SFR for 3 turns at 10% interest.

- Player-to-player loans use revolutions instead of borrower turns, so the term advances only after the whole table has cycled through Payday.

- When a player-to-player loan reaches maturity, the borrower owes principal plus interest at the start of their next turn.

- Lenders can demand early repayment, but doing so cancels all interest and leaves only the principal due.

- Unmortgaging costs the mortgage value plus 10% interest.

- Batch mortgage and unmortgage actions always start from the most expensive eligible property.

### Jail, trade, and development

Police sends you straight to Jail for three turns. While jailed, you can still trade, borrow, lend, collect fees, and develop monopolies.

You can leave jail by rolling doubles, bribing the guards, or waiting out the sentence. That keeps jail as a strategic risk instead of a dead stop.

- Trades can combine cash and properties in the same offer.

- Completing a color set or company family unlocks double fees and later unit construction.

- Estates build houses, while other families build routes, shops, satellites, or stations depending on the property type.

### Cards, global events, and winning

Mathree cards move players to other tiles, while Mtaani cards create positive or negative financial effects. Global events can also temporarily change salary, rents, or other rules for everyone.

Players are eliminated when they can no longer cover what they owe. The winner is the last player still standing.

### Special Tiles

e83a98	Mtaani Deploy	2026-07-08 22:10:19
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| <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/0.svg?edition=ke" alt="Payday" width="96"><br><strong>Payday</strong><br><sub>Pass for 400,000 SFR. Land exactly here for 800,000 SFR.</sub></div> | <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/24.svg?edition=ke" alt="ATM" width="96"><br><strong>ATM</strong><br><sub>Collect 750,000 SFR immediately when you land here.</sub></div> | <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/36.svg?edition=ke" alt="Police" width="96"><br><strong>Police</strong><br><sub>Sends you directly to Jail for three turns.</sub></div> | <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/12.svg?edition=ke" alt="Jail" width="96"><br><strong>Jail</strong><br><sub>Landing here normally is safe; players sent here stay until they are released.</sub></div> |

| --- | --- | --- | --- |

| <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/33.svg?edition=ke" alt="Mathree" width="96"><br><strong>Mathree</strong><br><sub>Draw a Mathree card that moves you to a specified tile.</sub></div> | <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/39.svg?edition=ke" alt="Mtaani" width="96"><br><strong>Mtaani</strong><br><sub>Draw a Mtaani card with a positive or negative financial effect.</sub></div> | <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/46.svg?edition=ke" alt="VAT" width="96"><br><strong>VAT</strong><br><sub>Pay 20% of your cash balance.</sub></div> | <div align="center"><img src="https://mtaani.nordkisel.com/art/tile/5.svg?edition=ke" alt="PAYE" width="96"><br><strong>PAYE</strong><br><sub>Pay 35% of your cash balance.</sub></div> |

| --- | --- | --- | --- |

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### Property Guide

#### Estates

Classic color groups. Completed neighborhoods unlock double rent and house building.

- **Eastleigh**: Rent · Houses; Cost: 50,000 SFR; Base fee: 2%; Mortgage: 25%; Unit cost: 22,500 SFR; Set: hood of 2

- **Kibra**: Rent · Houses; Cost: 65,000 SFR; Base fee: 2%; Mortgage: 25%; Unit cost: 29,250 SFR; Set: hood of 2

- **Kinoo**: Rent · Houses; Cost: 100,000 SFR; Base fee: 3%; Mortgage: 30%; Unit cost: 50,000 SFR; Set: hood of 3

- **Umoja**: Rent · Houses; Cost: 120,000 SFR; Base fee: 3%; Mortgage: 30%; Unit cost: 60,000 SFR; Set: hood of 3

- **Ngara**: Rent · Houses; Cost: 130,000 SFR; Base fee: 3%; Mortgage: 35%; Unit cost: 71,500 SFR; Set: hood of 3

- **Githurai**: Rent · Houses; Cost: 150,000 SFR; Base fee: 4%; Mortgage: 35%; Unit cost: 82,500 SFR; Set: hood of 3

- **Buruburu**: Rent · Houses; Cost: 180,000 SFR; Base fee: 4%; Mortgage: 35%; Unit cost: 99,000 SFR; Set: hood of 3

- **Imara**: Rent · Houses; Cost: 190,000 SFR; Base fee: 4%; Mortgage: 35%; Unit cost: 104,500 SFR; Set: hood of 3

- **Donholm**: Rent · Houses; Cost: 210,000 SFR; Base fee: 4%; Mortgage: 35%; Unit cost: 115,500 SFR; Set: hood of 3

- **South B**: Rent · Houses; Cost: 230,000 SFR; Base fee: 4%; Mortgage: 40%; Unit cost: 138,000 SFR; Set: hood of 3

- **Jamhuri**: Rent · Houses; Cost: 240,000 SFR; Base fee: 4%; Mortgage: 40%; Unit cost: 144,000 SFR; Set: hood of 3

- **Parklands**: Rent · Houses; Cost: 270,000 SFR; Base fee: 5%; Mortgage: 40%; Unit cost: 162,000 SFR; Set: hood of 4

- **Embakasi**: Rent · Houses; Cost: 280,000 SFR; Base fee: 5%; Mortgage: 40%; Unit cost: 168,000 SFR; Set: hood of 4

- **Westlands**: Rent · Houses; Cost: 310,000 SFR; Base fee: 5%; Mortgage: 45%; Unit cost: 201,500 SFR; Set: hood of 4

- **Langata**: Rent · Houses; Cost: 320,000 SFR; Base fee: 5%; Mortgage: 45%; Unit cost: 208,000 SFR; Set: hood of 4

- **Hurlingham**: Rent · Houses; Cost: 340,000 SFR; Base fee: 6%; Mortgage: 45%; Unit cost: 221,000 SFR; Set: hood of 3

- **Kileleshwa**: Rent · Houses; Cost: 360,000 SFR; Base fee: 6%; Mortgage: 45%; Unit cost: 234,000 SFR; Set: hood of 3

- **Lavington**: Rent · Houses; Cost: 370,000 SFR; Base fee: 6%; Mortgage: 45%; Unit cost: 240,500 SFR; Set: hood of 3

- **Kitisuru**: Rent · Houses; Cost: 400,000 SFR; Base fee: 6%; Mortgage: 45%; Unit cost: 260,000 SFR; Set: hood of 4

- **Mountain View**: Rent · Houses; Cost: 430,000 SFR; Base fee: 6%; Mortgage: 45%; Unit cost: 279,500 SFR; Set: hood of 4

- **Loresho**: Rent · Houses; Cost: 440,000 SFR; Base fee: 7%; Mortgage: 50%; Unit cost: 308,000 SFR; Set: hood of 4

- **Muthaiga**: Rent · Houses; Cost: 460,000 SFR; Base fee: 7%; Mortgage: 50%; Unit cost: 322,000 SFR; Set: hood of 4

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- **Karen**: Rent · Houses; Cost: 500,000 SFR; Base fee: 8%; Mortgage: 50%; Unit cost: 350,000 SFR; Set: hood of 2

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- **Runda**: Rent · Houses; Cost: 510,000 SFR; Base fee: 8%; Mortgage: 50%; Unit cost: 357,000 SFR; Set: hood of 2

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#### Fast Food

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Restaurant chains that charge meal bills and scale with shop development.

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- **Sonford**: Bill · Shops; Cost: 140,000 SFR; Base fee: 4%; Mortgage: 40%; Unit cost: 49,000 SFR; Set: tycoonery of 4

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- **Pizza Inn**: Bill · Shops; Cost: 210,000 SFR; Base fee: 6%; Mortgage: 40%; Unit cost: 84,000 SFR; Set: tycoonery of 4

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- **Galitos**: Bill · Shops; Cost: 250,000 SFR; Base fee: 6%; Mortgage: 40%; Unit cost: 112,500 SFR; Set: tycoonery of 4

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- **KFC**: Bill · Shops; Cost: 300,000 SFR; Base fee: 7%; Mortgage: 40%; Unit cost: 165,000 SFR; Set: tycoonery of 4

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#### Transport

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Route-based properties that grow stronger as you expand the network.

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- **Citi Hoppa**: Fare · Routes; Cost: 250,000 SFR; Base fee: 1%; Mortgage: 40%; Unit cost: 75,000 SFR; Set: tycoonery of 4

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- **Mash East Africa**: Fare · Routes; Cost: 370,000 SFR; Base fee: 3%; Mortgage: 40%; Unit cost: 129,499 SFR; Set: tycoonery of 4

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- **SGR**: Fare · Routes; Cost: 500,000 SFR; Base fee: 2%; Mortgage: 40%; Unit cost: 250,000 SFR; Set: tycoonery of 4

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- **Kenya Airways**: Fare · Routes; Cost: 800,000 SFR; Base fee: 5%; Mortgage: 40%; Unit cost: 520,000 SFR; Set: tycoonery of 4

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#### Utilities

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Infrastructure properties that develop with stations and steady bill income.

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- **NCWSC**: Bill · Stations; Cost: 400,000 SFR; Base fee: 1%; Mortgage: 40%; Unit cost: 140,000 SFR; Set: tycoonery of 2

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- **KPLC**: Bill · Stations; Cost: 400,000 SFR; Base fee: 2%; Mortgage: 40%; Unit cost: 180,000 SFR; Set: tycoonery of 2

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#### Comms

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Communications companies that expand with satellites and collect charges from visitors.

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- **Faiba**: Charge · Satellites; Cost: 390,000 SFR; Base fee: 1%; Mortgage: 40%; Unit cost: 136,500 SFR; Set: tycoonery of 2

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- **Safaricom**: Charge · Satellites; Cost: 500,000 SFR; Base fee: 1%; Mortgage: 40%; Unit cost: 225,000 SFR; Set: tycoonery of 2

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### Cards and Events

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#### Mtaani Cards

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- Your M-Shwari deposit gets doubled. Gain 900,000 SFR

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- Amazing year for your maize farm - Collect 2,000,000 SFR from NCPB

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- Outstanding HELB loan - Pay 850,000 SFR

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#### Mathree Cards

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- Your presenter friend throws a bash. Take a mat to Lavington.

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- Case of mistaken identity near the police station. Go to Jail.

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- Date night. Rush to KFC to meet your sweetheart.

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#### Global Events

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- The government declares a tax amnesty, taxes are forgiven for the next 1 revolution.

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- A recession hits the city, salaries are cut by 20% for the next 2 revolutions.

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- The city hosts the Olympic Games, rental income is tripled for the next 1 revolution.

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### About This Edition

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Streetwealth Edition uses Nairobi-flavored names and art. The mechanics shown here stay in sync with the currently selected board edition.

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[To see what a typical game looks like click here.](https://mtaani.nordkisel.com/demo?edition=ke)