Nigeria's First Certified Fractional Property Governance Platform
Every co-ownership on TitleShield is backed by an professionally certified Due Diligence Certificate, governed by a structured SPV, and monitored by AI-powered oversight — so your money is always protected, never exposed.
Co-ownership in Nigeria has always had one problem:
"No one was watching."
Families pool money to buy property together. Deals are struck on trust and verbal assurances. Titles sit unverified. Accounts are controlled by one person. Decisions are made informally. And when things go wrong — and they do — there is no governance infrastructure to protect anyone.
Nigeria's property market is worth trillions of naira. The demand for co-ownership is enormous. But the infrastructure for safe, transparent, governed co-ownership has never existed.
Until TitleShield.
Four ways to co-own with TitleShield
Every SPV is formed as one of four types — chosen at formation and fixed for the life of the deal.
Full-Payment Co-Owners
Fully built, MKC-certified, immediately governable. Standard co-ownership process — contribute in full, acquire, govern, and earn from day one.
Full payment | Immediate acquisitionOff-Plan & Development
Co-own a property still under construction. Funds held in your SPV and released to the developer only after MKC verifies each construction milestone is complete.
Tranche releases | Milestone-verifiedRequires reading the Off-Plan Risk Disclosure (TSH-P12)
Instalment Co-Owners
For salary earners, ajo contributors, and investors receiving funds in tranches. Reserve your slot with a 30% deposit. Complete payment over an agreed schedule up to 18 months.
30% deposit | Up to 18 monthsAvailable on selected Ready and Build deals
Existing Co-Ownership Groups
Already co-own a property with partners but your arrangement is informal? TitleShield Retrofit brings professional governance to existing co-ownerships — audit, formalise, and protect what you have already built.
Audit first | Governance retrofittedSubject to MKC Retrofit Assessment — eligibility confirmed before onboarding
TitleShield Flex is designed for: salary earners building wealth monthly | ajo and cooperative group members | professionals receiving funds in tranches | mortgage and loan recipients building equity
Four things that make TitleShield unlike any other platform
These are not features. They are architectural decisions that cannot be replicated without professional credentials.
Professional Credentials, Not Just Technology
Every property listed on TitleShield carries a Due Diligence Certificate certified by Mary Kolo Consulting (MKC) — signed by its principal Mary Hyeladzira Kolo under her NIESV and ESVARBON registrations. Non-delegable. Every property. Every time. No competitor has this.
We Never Touch Your Money
Your co-ownership funds are held in a dedicated escrow account belonging to your SPV — not to TitleShield. We have no access to your capital. This is governance infrastructure, not a platform that holds your assets.
Governance That Never Switches Off
SOMA, our AI governance agent, monitors every active SPV monthly against 23 governance indicators. Anomalies trigger a 4-tier alert system. Human review is mandatory for every flag. This runs 24/7, not only when someone complains.
From Entry to Exit, Fully Structured
Unlike informal co-ownership, every TitleShield deal is structured with pre-agreed exit pathways: secondary market transfer, collective sale, or buy-out at independent valuation. You know how to exit before you enter.
Five steps from discovery to co-ownership
Browse MKC-certified properties with full due diligence summaries visible to Verified Members.
Complete KYC in under 5 minutes. Identity, address, and source of funds — required for every co-owner.
Your co-ownership group is incorporated as an SPV under CAMA 2020. Your ownership is legally documented.
Monthly SOMA monitoring. Quarterly income distributions. Annual independent valuations. Transparent reporting throughout.
Use your pre-agreed exit pathway — secondary transfer, collective sale, or buy-out — when you're ready to divest.
Based abroad? Co-own at home — with verified oversight you can trust from anywhere.
Approximately 30% of Nigerian diaspora consider property at home their most important financial asset. The challenge has always been: how do you know what you're buying is real, and who's watching it after you buy?
TitleShield's governance infrastructure is built for remote co-ownership. Every step — from due diligence to monthly monitoring — is documented, auditable, and accessible through your member dashboard.
Before any property is marketed to diaspora co-owners, our team conducts a physical video walkthrough — filmed, dated, and uploaded to your deal's document vault. You never have to take anyone's word for it.
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Every certificate. MKC-certified. Every time.
Every Due Diligence Certificate on TitleShield is certified by Mary Kolo Consulting (MKC) — signed by its principal Mary Hyeladzira Kolo under her NIESV and ESVARBON registrations. Non-delegable. Every property. Every time.
MKC's founding principal brings 20+ years of Abuja market experience and direct involvement in major FCT property transactions. MKC's credentials are the platform's single most important trust signal. No competitor has this. It cannot be replicated by technology alone.
"I have spent over two decades building a practice built on professional integrity. TitleShield exists because Nigeria's property co-ownership market deserved a governance platform built on the same standard."
— Mary Hyeladzira Kolo, Founder, TitleShield
Start your co-ownership journey
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