South African Patent Application No. 2024/07574
Your Deeds Matter
DigiDeeds creates digital deeds that transform informal homes into assets — opening doors to dignity and opportunity.
The Opportunity
Over 2 million informal dwellings in South Africa and over 1 billion globally, remain invisible to the financial system. These unregistered homes represent over R300 billion in dead capital, leaving millions asset-rich but excluded from economic growth. DigiDeeds changes this with digital deeds.
Where the Value Hides
A World of Assets Without Recognition
Across South Africa and other emerging markets, millions reside in informal dwellings that exist outside the formal property system. Lacking title deeds, these homes cannot be used as collateral, are excluded from municipal services and are invisible to national financial systems. Even many beneficiaries of Government-sponsored homes (RDP houses) remain without formal ownership. As a result, significant economic value remains unrealised, leaving creditworthy individuals excluded from full participation in the economy.
The Challenge
In informal settlements and rural areas, many residents live on land they’ve occupied for generations, without legal documents to prove it.
The Solution
DigiDeeds addresses this by combining digital technology and neighbor validation to create verifiable digital deeds through a community-powered registry.
The DigiDeeds Breakthrough
A New Form of Ownership
DigiDeeds has found a way to put an informal dwelling, an “extra home,” on the balance sheet of its rightful owner.
Using a combination of community verification, smart technology and legal precedent, DigiDeeds enables:
Precise Location Mapping
GPS pinpointing and GIS-based aerial imagery lock in the exact location of each home.
Neighbour-Verified Ownership
Ownership is legally and technically verified by utilising community intelligence
Community-Backed Certification
Claims are backed by the community and formalised into a secure certificate or digital token.
Value & Income Assessment
Homes are assessed for value and income (e.g. rental verification), unlocking economic potential.
This digital deed certificate, issued by DigiDeeds, allows the extra home to appreciate in value, be sold, ceded, or used as collateral, gain recognition from lenders and insurers and become eligible for municipal service delivery
How it works
DigiDeeds’ PPP Pillars: People, Place, Property
The DigiDeeds platform builds on three core pillars — People, Place and Property. Together, these pillars create verified digital deeds that give informal homes real economic value. For the first time, an extra-legal home in an informal area enters the financial and service ecosystem without a government-issued title deed.
People: A verified user identity on the mobile app
Place: GPS & GIS location captured via photo and metadata
Property: Ownership is legally and technically verified by utilising community intelligence
As a result
Trading activity and AI assisted valuations are managed digitally by DigiDeeds with bureau data reflecting encumbrances.
Personal Property Right Deeds can be ceded to banks as security with coordinated digital workflows to enable sale within 90 days of arrears.
Extra Home Loans show stronger performance than comparable unsecured credit.
People and communities prosper as property is acknowledged and value grows over time with new income opportunities created.
The Broader Ecosystem: From Asset to Economy
- Buy & sell and letting champions to emerge and replace realtors with champions throughout
- Maintenance and construction businesses to grow
- PV (solar) installers, connectivity providers, security firms, recyclers and more to serve the area
- Insurance and lending products to be offered safely and profitably
Ownership Fuels A Local Economy
Verified homes enable realtors, contractors and service providers to operate. Lending and insurance become viable. Jobs are created. Entrepreneurs emerge. It all starts by recognising what already exists.
As Muhammad Yunus showed: put informal assets on the balance sheet and capital begins to flow. DigiDeeds makes that possible.
What the DigiDeeds Process Delivers
By verifying person, place and property, DigiDeeds generates high-integrity digital records that unlock real economic and civic value.
What We Issue
- Ownership certificate (printable or tokenised)
- Proof of address (FICA compliant)
- Verified income (e.g., rental streams, structured payments)
- Affordability and risk profiles (AI-ready)
How They’re Used
- Shared with credit bureaus, banks and insurers
- Used by municipalities to locate and serve residents
- Submitted to lenders to access credit for housing, business, or personal use
Why It Matters
For the first time, an extra-legal home in an informal area can be formally recognised, unlocking financial access and public services without requiring a government-issued title deed.
Built for Scale, Backed by Demand
Revenue Model
DigiDeeds is designed to generate sustainable, scalable revenue through a diverse set of high-demand channels. From verified data and digital certificates to ecosystem services and licensing, each income stream supports our mission of inclusion while unlocking long-term value for shareholders.
data sales to credit bureaus and banks
Ownership/address certificates
Referral commissions
Licensing to financial institutions
Ecosystem fees from community services
A Deed is More Than a Document – It’s Dignity
DigiDeeds enables households to progress from invisible to recognised and from excluded to empowered through intelligent verification and a respectful onramp to the formal economy.
