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Payment Layer Fees

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Revenue from Payment Processing

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Transaction Fee Structure

Why rent is at 0.5–1.0%: Rent payments are high-volume and recurring. The margin per transaction is lower, but the predictability and volume make this the most reliable revenue. A 1% fee on ₦1,200,000/year rent = ₦12,000/year from one tenancy. At 10,000 active tenancies = ₦120,000,000/year from rent fees alone. The cash acknowledgment fee creates incentive: Even when money moves in cash, the agent and tenant both confirm it in Leja. The ₦100 fee makes this worth processing. The witnessed record is the value.

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Deposit Revenue (Milestone Wave 3 — Escrow)

When escrow launches:

• 0.25% of deposit amount per tenancy, collected once
• Released on clean exit
• Fee retained regardless of deposit return outcome
• Example: ₦500,000 deposit × 0.25% = ₦1,250 per tenancy
• At 5,000 escrow tenancies = ₦6,250,000 in escrow fees

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Institutional API Pricing

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Revenue from Banks, Lenders, Insurers

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Three-Tier API Model

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Standard Tier

Who: Lenders wanting basic Score signals for creditworthiness assessment. Price: ₦150,000–₦350,000/month (based on query volume) Included:

• Score tier queries (unlimited)
• Payment timeliness rate
• Tenancy stability score
• Identity verification tier
• Housing trajectory

Per-report pricing (for lower-volume users):

• Standard Score Report: ₦3,500
• Full Behavioral Report: ₦5,500

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Advanced Tier

Who: Mortgage lenders, large banks, insurance companies wanting deeper signals. Price: ₦500,000–₦1,000,000/month Included:

• Everything in Standard
• Financial stress indicators (payment timing shifts, recovery patterns)
• Housing stability score (mortgage default predictor)
• Service income stability signal (from Track 2)
• Geographic stability profile
• Comparative percentile data
• Dedicated API support and SLA

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Federated Computation (Milestone Wave 4)

Who: Any institutional partner who wants to run their proprietary model on Leja data. Price: ₦2,500–₦5,000 per computation Included:

• Single model run against the consenting user’s anonymized three-track data
• Output score only — no raw data
• Consent validation and logging
• Response within 5 minutes for P95

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Developer/Research Tier (Free)

Who: Fintech developers building integrations, academic researchers. Price: Free Included:

• 100 test calls per day (sandbox data only — no real user data)
• Identity confirmation endpoint
• Documentation and SDK access
• Apply at: api.leja.ng/developer

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Subscription Tiers

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Full Specification for Leja Professional and Resident

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Leja Professional Subscription Tiers

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Resident Subscription Tiers

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Grant Strategy

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Funding Opportunities Aligned with Leja’s Architecture

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Milestone-Gated Grant Strategy

Do not apply for grants before Milestone Wave 3. Early grant applications distract from building. They also produce pitch decks that promise features Leja hasn’t built yet, creating pressure to build the wrong things in the wrong order. Apply at Milestone Wave 3 design time. By then:

• Product is live with paying customers
• Transaction revenue is flowing
• Trust Graph has real data
• Blockchain anchoring is being implemented
• The grant narrative is credible, not aspirational

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Milestone Wave 3 Grant Targets

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Solana Foundation Africa

URL: grants.solana.com Angle: Leja as residential identity infrastructure anchored on Solana What they fund: Applications that bring Solana to underserved markets Leja fit: First residential record layer in Africa anchored on Solana

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World Bank / IFC

Focus: Property RIN as residential land rights infrastructure Angle: Digital property records and residential identity in Nigeria What they fund: Financial inclusion infrastructure in emerging markets Leja fit: Property RIN as proto-title system that fills the gap where formal land registries are incomplete

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USAID / Gates Foundation Digital Finance

Angle: Verified professional identity for informal workers (service providers) through the residential ecosystem Leja fit: Track 2 gives informal workers a verified professional identity that could eventually connect to financial services

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Milestone Wave 4 Grant and Investor Targets

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IFC (International Finance Corporation)

Timing: Series B stage Narrative: Pan-African residential ecosystem operating system anchored on a public chain What they fund: Scalable financial infrastructure across emerging markets

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AfDB (African Development Bank)

Timing: Series B stage Narrative: Residential infrastructure for African economic growth Leja fit: Nigeria → West Africa → Africa expansion trajectory

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Ethereum Foundation

Timing: If Solana confirmation at Milestone Wave 3 design leads to Ethereum being selected instead (see blockchain architecture) Angle: Institutional-grade residential ecosystem infrastructure anchored on Ethereum

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The Investor Narrative (At Each Stage)

Seed / Pre-seed (now): “Nigeria’s property market has no institutional memory. Leja builds it, one witnessed event at a time. Paid witnessing transactions create durable records from day one, and each record improves the usefulness of the next operational loop. Leja is not an abstract trust pitch with operational features. It is a residential ecosystem operating system where trust is the infrastructure that makes every surface defensible. The record layer compounds because every operational loop — payment, agreement, maintenance, dispute, stay, service job — can leave a permanent record. Records compound into identity. Identity compounds into institutional memory.” Series A (12–18 months): “50,000 RINs with verified residential histories. Transaction revenue ₦X/month. The Score reports product launches now — banks will pay ₦3,500 per query for data that no other source in Nigeria has. This is the beginning of financial infrastructure.” Series B (24–36 months): “100,000 RINs. Multi-city. Institutional API active. First bank integration in progress. Property RIN as proto-title system attracting World Bank attention. Nigeria is the proof. West Africa is next.”