Infrastructure · Banking · Ownership · Credit

Bank smart. Own property. Access credit.

AtomAfrica is the infrastructure connecting banking, property ownership and credit for Nigerians. Whatever brings you here, there is a product built for it.

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Live in Rehoboth MFB · Sulspap MFB · Weston-Charis MFB
Who is this for?

Tell us what brought you here. We'll show you where to start.

You need to run a modern bank.

Most MFBs are running on outdated tools or manual processes. AtomBank gives your institution everything it needs to operate as a modern bank: mobile app, internet banking, payments, reconciliation. No rebuilding from scratch. Your customers get a great experience. You get the technology to deliver it.

Learn about AtomBank →

Running a property business

Your customers pay every month, but nothing records what they have built toward ownership. AtomOwn fixes that. Every payment updates a record your customers can see and a bank can verify.

Learn about AtomOwn →

Buying property

You don't have to buy all at once. NairaPacket lets you start small, build ownership over time, and use that ownership to access a loan when you're ready.

Start on NairaPacket →
Three connected layers

Three products. One platform underneath them.

ATOMBANK · FOR FINANCIAL INSTITUTIONS

The bank behind the bank.

AtomBank is a complete digital banking platform built for microfinance banks, mortgage banks and cooperatives. If you bank with Rehoboth MFB, Sulspap MFB, or Weston-Charis MFB, you are already using AtomBank.

  • Mobile banking app, white-labelled to your brand
  • Internet banking for customers and back-office for your team
  • Virtual accounts, payments and reconciliation
  • Cooperative platform for group savings
  • Open APIs and core banking integrations (including BankOne)

₦1.5B+ processed through VendPocket, one AtomBank deployment. Live across 3 licensed MFBs.

Explore AtomBank →
A customer using mobile banking
ATOMOWN · FOR PROPERTY BUSINESSES

Your property. Your customers. Your record.

For most property businesses in Nigeria, ownership lives in a spreadsheet or a filing cabinet. AtomOwn changes that. Every unit, every payment, every customer gets a clean record that anyone can check.

  • Every instalment updates the ownership record automatically
  • Customers see exactly what they own and what remains
  • Trust Standards: independent lawyers, surveyors and valuers
  • Secondary market: customers can transfer their ownership
  • Connected to AtomCredit when customers are ready for a loan

200+ verified owners. 6 partner property businesses. Every purchase on a transparent ledger.

Explore AtomOwn →
Aerial view of a Nigerian city
ATOMCREDIT · YOUR OWNERSHIP, TURNED INTO CREDIT

You built ownership. Now use it.

When you have been paying toward property on a platform like NairaPacket, that record is not just data. It is collateral. AtomCredit connects your ownership record to a participating bank that can turn it into a loan.

₦5M+ lent · 0% default rate to date

Explore AtomCredit →
01
You own propertyEven partially, on NairaPacket or any AtomOwn platform.
02
You request a loanAgainst the ownership you have already built.
03
Your property business confirmsThey verify the ownership record is accurate.
04
A bank reviews and decidesEvery credit decision is theirs to make independently.
05
Loan disbursed, property lockedYour property is held as security. Not sold, just locked.
06
Repay monthly, ownership returnsClear the loan and it is fully yours again.
How it connects in real life

Amaka's bank account, her property record, and her loan. All running on the same infrastructure. She never had to think about it.

01 ATOMBANK

Amaka banks with a licensed MFB. Her mobile app, virtual account, and transfers run on AtomBank. She only ever sees her bank's own brand.

02 ATOMOWN

She buys a plot on NairaPacket, paying ₦50,000 a month from her bank account. Each payment goes straight into a verified ownership record on AtomOwn. She can see exactly what she owns at any point.

03 ATOMCREDIT

18 months in, she owns 40% of her plot. AtomCredit turns that record into collateral and connects it to a licensed bank. They review it and approve a loan in days. No documents to chase. No guesswork about what she owns.

Her bank, her property record, her loan. Three separate things that only work together because the infrastructure underneath them is the same.

NairaPacket · Start right now

Own land in Nigeria, one payment at a time.

NairaPacket is AtomAfrica's own property platform and the simplest way to start. Browse verified land and housing units. Pay in instalments. Watch your ownership grow. When you're ready, use it to access a loan.

Visit NairaPacket →

No guessing. Every naira recorded.

Trust Standards

Every property is checked before a single payment is accepted.

Every property listed on an AtomOwn platform goes through a standard check before it goes on sale. Independent lawyers, surveyors and valuers each play a role, so buyers and banks can trust what they see.

Documentation→Legal→Valuation→History

Documentation

Relevant title and ownership documents are reviewed before any property is listed.

Legal verification

Qualified legal professionals review documentation and the property's legal status.

Valuation

Qualified surveyors and valuers support property valuation where required.

Ownership history

Relevant ownership and encumbrance information is checked before listing.

Built in Nigeria. Proven in use.

Real numbers from real use.

₦1.5B+ Transactions processed through AtomBank
₦30M+ Property ownership recorded on AtomOwn
₦5M+ Lent through AtomCredit
200+ Verified property owners
6 Property business partners
3 Live microfinance bank partners

0% loan default rate recorded to date.

Not a bank. Not a lender. Not a property seller. We build the technology that connects them.

The big picture

One ecosystem. Three ways in.

Most people's wealth is tied up in the things they own, or want to own. AtomAfrica connects what Nigerians own to the financial system that should serve them.

Bank with an institution that runs on AtomBank. Build ownership through a property business on AtomOwn. When you are ready, that ownership becomes the evidence a bank needs to say yes to a loan through AtomCredit. Each product works on its own. Together, they make your assets actually useful.

AtomBank+AtomOwn+AtomCredit

The connection is the product.

🏦

AtomBank

Banking and payments for individuals, through licensed MFBs.

Learn more →
🏘

AtomOwn

Property ownership records that banks, buyers and businesses can all trust.

Learn more →
🤝

AtomCredit

The bridge: your verified ownership becomes the evidence a bank needs to say yes.

Learn more →
Who we are

We're from Ibadan. We're building for Nigeria.

AtomAfrica is the product name of Startx Payments Limited, a fintech company from Ibadan, Oyo State. We started with one question: why do Nigerians who own real assets find it so hard to get a formal loan?

The answer was not a lack of wealth. It was a lack of record. Something verified and clear that a bank could actually use. We built that record. Then we built the bank. Then we connected them.

We started with real estate. Agriculture, equipment and energy are next.

Read our story →
NOW

Real estate

Proof of ownership carries the clearest financial weight. This is where we started.

NEXT

Other productive assets

Equipment, agriculture, energy. One asset class at a time.

Common questions

Things people ask when they first arrive.

No. We build the technology. The banks using AtomBank hold their own licences and serve their own customers. When you bank with Rehoboth MFB or Sulspap MFB, you are with a licensed institution. AtomAfrica just powers what they run on.
No. Every loan comes from a licensed financial institution that makes its own credit decision, including eligibility, amount, and terms. AtomCredit connects your ownership record to those banks. It does not lend money itself.
No. Property businesses on AtomOwn own their land, their customers and their data. AtomAfrica just provides the technology they run on. NairaPacket is AtomAfrica's own platform and the first live AtomOwn deployment, but it is one of many.
You can start buying on NairaPacket without one. But to get a loan through AtomCredit, you will need an account at a participating institution. A bank powered by AtomBank is the natural starting point if you do not have one yet.
What you have already paid for stays yours, subject to the specific terms of your arrangement with the property business. Missing one payment does not mean losing everything, but read the terms for your property carefully.
Yes. Every property goes through Trust Standards verification before it is listed. Independent lawyers, surveyors and valuers are each part of the process. Where a loan is involved, a three-party deed is generated and signed by the buyer, the property business and the bank.

More questions? See the full FAQ or email us directly.

Ready to start?

Choose your path. Every journey through AtomAfrica starts with one step.

Buy property on NairaPacket Bring AtomBank to your institution Connect your property business

Not sure where to start? hello@atomafrica.tech  ·  +234 810 157 3230