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Idea of July 30, 2026

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ImmoKëfu — African Real Estate Crowdfunding

Participatory real estate investment platform allowing any Senegalese person to invest in rental properties from 50,000 FCFA and receive monthly income.

Real Estate
Complexity : High
Budget : $32,520 - $65,041
Problem

The Problem

Real estate is the preferred investment of Senegalese people but access to rental property investment is reserved for an elite: millions of FCFA are needed to acquire a property in Dakar. The middle class and diaspora want to invest in Senegalese real estate but lack the capital or skills to manage a property remotely. Local real estate developers struggle to raise funds from traditional banks to finance their construction projects.

Opportunity

The Opportunity

Dakar's real estate market delivers gross rental yields of 7 to 12% per year, well above bank savings rates (3-4%). Real estate crowdfunding is the most dynamic fintech segment in Europe (+30%/year) and remains virtually non-existent in French-speaking Africa. The Senegalese diaspora sends over 1,000 billion FCFA per year to Senegal, with a growing share seeking structured and profitable investments.

The Concept

ImmoKëfu selects and acquires rental real estate in Dakar (apartments, commercial spaces, residences) through dedicated real estate civil companies (SCI). Each property is tokenized into 50,000 FCFA shares accessible via the mobile app. Investors receive their share of the rents each month via Wave or Orange Money. An expert committee selects properties based on strict profitability and liquidity criteria. ImmoKëfu fully manages rental, maintenance, and accounting. After 5 years, investors can resell their shares on a secondary market integrated into the platform or during the property sale.

The "Secret Sauce" (USP)

  • 50,000 FCFA entry ticket: total democratization of real estate investment — the Senegalese middle class accesses property for the first time without a bank loan
  • Monthly rental income via Wave: the investor sees their money working with a concrete monthly transfer — reward psychology that builds loyalty far better than a bank savings account
  • Integrated secondary market: shares are resellable between investors before the end of the project — unprecedented liquidity in African real estate, a decisive argument for the diaspora

Minimum Viable Product (MVP)

To get started quickly:

First pilot SCI holding a 35 million FCFA apartment in Mermoz, divided into 700 shares of 50,000 FCFA, fundraising from 50 beta investors, 6 months of Wave rent distribution to validate the model.