ATOMAFRICA
Connecting payments to property, ownership and credit. Helping financial and real estate institutions serve asset owners better.
The bank
₦100,000
sees a ₦100,000 payment.
The property company
₦100,000
sees ₦100,000 received.
The customer
Buying land.
knows they are building ownership.
Three records. Usually, three separate systems.
The system records who paid, what they paid for, how much they own, and what remains. When the customer later needs finance, a participating institution can see the relevant ownership record and make its own credit decision.
Digital banking infrastructure for financial institutions. Property businesses on the network can collect customer payments through participating financial institutions.
A branded ownership network for property businesses. Add your estates and customers. Set payment plans. Collect payments. Track what each customer has paid and what they own.
AtomCredit connects verified ownership information to credit requests at participating financial institutions. The financial institution decides eligibility, amount, terms, security, and underwriting requirements.
Some customer payments are ordinary spending. Others are buying land, homes and other assets. AtomAfrica connects those transactions to the ownership records behind them.
Talk to our institutions team →Property businesses and their customers can bank with you.
Customer instalments can be collected through participating financial institutions.
Relevant ownership information is recorded and supported by defined verification processes.
Assess eligible customers for financing against verified ownership, according to your own credit policies.
Replace spreadsheets, receipts and disconnected records with one system that connects customer, property, payment and ownership.
Customers who stop paying retain the ownership corresponding to what they have already paid for, subject to the terms of the ownership arrangement.
Build with AtomOwn →Customers can see:
Every property on a participating ownership network is subject to defined verification requirements before listing.
Where financing is provided, the financial institution's claim can be recorded against the relevant ownership position.
Know the asset. Know the payment. Know the owner.
Relevant title and ownership documents are reviewed.
Qualified legal professionals review the relevant documentation and legal status.
Qualified surveyors and valuers support property valuation where required.
Relevant ownership and encumbrance information is checked.
No missed repayments recorded to date.
The same infrastructure can extend to other productive assets over time, including equipment, agriculture and energy.
Where proof of ownership carries the clearest financial weight.
Equipment, agriculture, energy: one asset type at a time, across Africa.
The asset changes. The infrastructure stays the same.
NairaPacket is AtomAfrica's own property-ownership platform and the first live example of AtomOwn in action.
Go to NairaPacket →Bring your financial institution or property business onto the network.