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MTO EXCLUSIVE: Toni Braxton Shows Off Her $5 MILLION Engagement Ring . . . They Say . . . It Makes CARDI B's Ring . . . Look TINY!!! (Plus Details On Her ALLEGED Wedding)

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Toni Braxton showed off her new engagement ring. Word is that she got engaged to the Cash Money Artist - and they had a legally NON-BINDING wedding.

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You see, Birdman is known for being a SHREWD businessman. We're told that he and Toni had a COMMITMENT ceremony - and the family attended. But that the two are NOT and never will be "legally" married.

Hey, if it works for them . . . we're HAPPY for them.

Here's the ring:

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