→ FAQ
Questions, answered.
What AtomAfrica is, how it works, and where the lines are.
No. AtomAfrica builds technology for financial institutions and property businesses. We don't hold deposits and we don't lend.
Never. Participating financial institutions independently determine eligibility, underwriting, risk, pricing and terms. We provide the connection; the institution provides the credit.
No. AtomAfrica does not guarantee that any property qualifies for financing or that any institution will approve a request.
A trusted, traceable digital record of the share a person owns in a real-world asset, including a share built up little by little over time, kept on a network that follows AtomAfrica's Trust Standards.
The network's data belongs to the property business and its customers. Ownership information is shared with financial institutions only where applicable and with customer consent.
Real estate, today. The infrastructure is designed to extend to other eligible real-world assets over time, including agriculture, equipment, energy and vehicles.
Microfinance banks, mortgage banks, cooperatives and other financial institutions. Three Nigerian MFBs are live today.
Through AtomAfrica's Trust Standards, which cover the documents, legal checks, ownership rights, valuation, sign-offs, history and any existing claims against a property, with independent lawyers, surveyors and valuers involved as needed.
No. Property businesses run their own ownership networks using AtomOwn. AtomAfrica provides the technology they use to do that.
No. Each layer can serve a distinct need. Together, they connect money, ownership and credit. You can start with one and add others later.
No. Buyers acquire a portion of a specific, verified property under the applicable ownership structure. AtomAfrica does not promise returns on that ownership.
The customer's ownership position corresponds to what they have paid for, subject to the terms of the applicable ownership arrangement set by the property business.
Only the portion of your ownership needed to cover the outstanding loan amount is recovered. Whatever ownership remains is still yours.
Pricing depends on the institution or network and the modules deployed. Talk to us and we'll scope it with you.
AtomAfrica's own real-estate ownership platform, and the first live example of the model. It proves the idea works, and any platform another company builds on AtomAfrica stays fully theirs.