# PAMP Property Market PAMP Property Market is the real estate listing and transaction platform within the Real Estate & Services Division, providing a comprehensive property marketplace for African markets. The platform connects property buyers, sellers, renters, landlords, and real estate agents through a unified digital marketplace featuring verified listings, virtual property tours, neighborhood analytics, integrated mortgage pre-qualification via PAMP Credit, and secure transaction processing through PAMP Pay. Africa's real estate market is characterized by extreme information asymmetry, limited listing standardization, widespread fraud in property transactions, and minimal digital penetration. PAMP Property Market addresses these challenges by bringing transparency, trust, and digital efficiency to property discovery, evaluation, and transaction across all 7 Wave-1 countries. ## Business Model PAMP Property Market operates a **listing-based marketplace model** with diversified revenue streams: - **Listing Fees**: Tiered listing packages for property sellers and landlords (free basic, premium featured, and spotlight listings) - **Agent Subscriptions**: Monthly subscription plans for real estate agents and agencies with CRM tools, lead management, and analytics - **Lead Generation Fees**: Per-lead charges for connecting serious buyers/renters with agents and property owners - **Transaction Fees**: 0.5–1% facilitation fee on property transactions processed through the platform - **Advertising Revenue**: Display advertising from mortgage providers, insurance companies, home furnishing brands, and moving services - **Data & Analytics**: Property market intelligence reports and valuation data sold to institutional investors, developers, and financial institutions - **Mortgage Referrals**: Referral commissions from partner banks and PAMP Credit for mortgage pre-qualification leads (Transaction Processing)"] CREDIT["PAMP Credit
(Mortgage Pre-Qual)"] HOMESVC["PAMP Home Services
(Maintenance)"] ZONED["PAMP Zoned
(Location Data)"] end SELLER --> LIST LANDLORD --> LIST AGENT --> LIST DEV --> LIST LIST --> SEARCH SEARCH --> BUYER SEARCH --> RENTER SEARCH --> INVESTOR LIST --> VIRTUAL LIST --> VALUATION LEADS --> AGENT ANALYTICS --> INVESTOR SEARCH --> PAY SEARCH --> CREDIT SEARCH --> HOMESVC VALUATION --> ZONED style LIST fill:#8b5cf6,stroke:#7c3aed,color:#fff style SEARCH fill:#10b981,stroke:#059669,color:#fff style VALUATION fill:#f59e0b,stroke:#d97706,color:#fff `} /> ## Total Addressable Market (TAM) Africa's property technology (PropTech) market is nascent but growing rapidly, driven by urbanization, a young population forming new households, and increasing smartphone penetration enabling digital property search. ## Pricing Structure ## Operating Model PAMP Property Market operates a **digital-first property marketplace** with AI-powered valuation and verification: - **Listing Verification**: Multi-step verification process — document checks (title deed, lease agreement), photo authenticity validation, and optional on-site verification by partner agents - **AI Valuation Engine**: Machine learning model trained on transaction data, location attributes (via PAMP Zoned), and comparable sales to provide automated property valuations - **Virtual Tours**: 360° photo tours and video walkthroughs uploaded by sellers/agents, reducing unnecessary physical viewings - **Escrow Transactions**: For property sales, PAMP Pay holds funds in escrow until transfer documents are registered, protecting both buyer and seller - **Mortgage Integration**: PAMP Credit integration enables buyers to get pre-qualified for financing directly from listing pages - **Market Intelligence**: Aggregated transaction data powers neighborhood analytics, price trend reports, and investment insights >Platform: Create property listing Platform->>AI: Request automated valuation AI-->>Platform: Estimated market value Platform->>Platform: Verify listing (docs + photos) Platform-->>Seller: Listing published Buyer->>Platform: Search and shortlist properties Buyer->>Platform: Request viewing / virtual tour Platform->>Seller: Viewing request notification Buyer->>Credit: Pre-qualify for mortgage Credit-->>Buyer: Pre-qualification result Buyer->>Platform: Make offer Platform->>Seller: Offer notification Seller->>Platform: Accept offer Platform->>Pay: Initiate escrow deposit Buyer->>Pay: Transfer deposit to escrow Platform->>Legal: Initiate transfer process Legal->>Legal: Complete registration Legal->>Platform: Transfer confirmed Platform->>Pay: Release escrow to seller Pay-->>Seller: Funds transferred `} /> ## Regulatory Notes | Market | Regulatory Body | Key Requirements | |--------|----------------|------------------| | South Africa | EAAB, PPRA, POPIA | Estate Agency Affairs Board registration for agents, Property Practitioners Regulatory Authority compliance, POPIA for personal data, Deeds Registry Act for transfers | | Nigeria | REDAN, ESVARBON, NDPR | Real Estate Developers Association registration, Estate Surveyors and Valuers Board licensing, NITDA data protection, Land Use Act compliance | | Kenya | EAK, DPA, NLC | Estate Agents Registration Board licensing, Data Protection Act 2019, National Land Commission regulations, stamp duty compliance | | Morocco | FNPI, CNDP | Fédération Nationale des Promoteurs Immobiliers guidelines, Loi 09-08 data protection, notarial requirements for property transfers | | DRC | Ministry of Land Affairs | Land tenure law compliance, limited digital regulation — focus on title verification and fraud prevention | | Senegal | DGID, CDP | Direction Générale des Impôts et des Domaines for property registration, Commission de Protection des Données, OHADA property law | | Ghana | LRC, DPA | Lands Registry Commission for title verification, Data Protection Act 2012, Land Act 2020 compliance | **Compliance**: Platform enforces agent licensing verification per market and integrates with national land registries where digital access is available. ## SWOT Analysis ## Competitive Positioning **Key Differentiator**: PAMP Property Market's competitive edge is the **full property lifecycle integration** — from discovery and valuation through financing, transaction, and post-purchase home services — combined with **AI-powered verification and valuation** that addresses the trust deficit in African property markets. ## KPI Dashboard