RJB Token Technical Whitepaper
Decentralized Property Investment and Management Ecosystem for Africa
Abstract
RJB Token powers a decentralized property investment and management ecosystem for Africa. It enables tokenized real estate ownership, automated rent and utility management, and borderless investment using smart contracts and IoT technology.
Problem Statement
🚫 Expensive & Inaccessible
Property investment in Africa is expensive and inaccessible to most.
🌍 Cross-border Barriers
Investors face currency restrictions and legal barriers.
💧 Lack of Liquidity
Property owners lack liquidity and verified buyers.
⏰ Manual Processes
Traditional rent and utility collection is slow and manual.
Solution Architecture
Property Tokenization
Smart contracts on Polygon network
Fractional Ownership
Using fungible RJB tokens
IoT Integration
Automated rent & utilities
Platform Flow Architecture
Property Owner
Lists Property
Smart Contract
Tokenization
NFT Certificate
Minted
RJB Tokens
Fractional Units
Investors
Purchase & Earn
Platform Overview: Xclusive Properties
Live MVP Platform for Tokenized Real Estate
Xclusive Properties is the live MVP platform that lists and manages tokenized properties. Users can buy, rent, or short-let properties in naira or USDT. Agents upload verified listings through a web dashboard, and buyers transact seamlessly with blockchain-backed transparency.
✅ Dual Currency Support
Naira and USDT payments
✅ Verified Listings
KYC-verified agents and developers
Tokenization Framework (RJB + NFT Module)
Property Tokenization
Each property is tokenized into RJB-backed units.
NFT Certificate
A property certificate is minted as an NFT representing ownership metadata (title, valuation, location).
Fractional Investment
Investors acquire fractions represented by RJB tokens linked to the property NFT.
Smart Contract Management
Ownership, transfers, and yield distribution are managed via smart contracts.
Smart Contract Design
| Contract Type | Standard | Purpose |
|---|---|---|
| RJB Token | ERC-20 | Handles liquidity, yield, and trading |
| Property NFTs | ERC-721 | Represents verified property records |
| RJB-Exchange | Custom | Enables peer-to-peer fractional ownership transfer |
| IoT Payment Gateway | Custom | Connects on-chain payment verification to smart IoT systems |
Tokenomics
Total Supply: 1,000,000,000 RJB
Token Distribution
Token Utility
🏘️ Buy or rent tokenized properties
💰 Stake for yield from rental income
💳 Pay property fees, utilities, and maintenance
🗳️ Vote on ecosystem governance proposals
Governance and Staking
Holders stake RJB to gain governance power in decisions including new property listings, developer onboarding, and yield distribution rates. Staked tokens earn a percentage of platform transaction fees and property revenue.
New Listings
Vote on property additions
Developer Onboarding
Approve new partners
Yield Distribution
Set revenue rates
Security and Compliance
✅ KYC Verification
All investors and agents verified
✅ Smart Contract Audits
Third-party security audits
✅ SEC Compliance
Nigeria SEC guidelines followed
✅ Anti-fraud Layer
Property documentation verification
Development Roadmap
Phase 1
100%Smart Contract Prototype
Phase 2
75%Pilot Properties
Phase 3
40%Cross-border Integration
Phase 4
20%IoT Rollout
Phase 5
10%Secondary Trading
5-Year Growth Projections
Vision
To make property ownership borderless, transparent, and automated using blockchain and IoT technology.
Mission
To empower investors to own, manage, and earn from African real estate from anywhere in the world through digital assets.
This whitepaper is a living document and may be updated as the platform evolves. For the latest version, visit our official website.