When you invest through JengaFi, your capital follows a clear, auditable path from your bank account to a real property — and then back to you in the form of rental distributions. Every step is tracked, every transaction is logged, and every movement of funds is recorded in a double-entry ledger.
Here's what happens at each stage of the investment lifecycle.
1. Account Setup & Verification
First, you create your JengaFi account and complete our KYC (Know Your Customer) verification process. This involves submitting government-issued ID and answering a brief investor profile questionnaire. The verification helps us comply with international AML regulations and determines your accreditation level, which affects your investment limits.
Once verified, your investor profile is active. Your account balance (denominated in USD) is ready to receive funds.
2. Browsing & Selecting Projects
Every listed project on JengaFi comes with comprehensive documentation: the property location and type (residential, commercial, or mixed-use), target IRR, investment term in months, minimum investment amount, developer background, independent valuation, and full risk disclosures.
Projects go through statuses — from draft to active to funded to completed — so you always know exactly where a deal stands. You can filter by location, property type, return profile, and investment range.
3. Making Your Investment
When you commit capital to a project, a new investment record is created. Your investment moves through a defined status workflow: pending → confirmed → active → completed. Funds are initially held in a secure escrow arrangement until the deal reaches its funding target.
You can invest using multiple payment channels — Stripe card payments, bank transfers, or M-Pesa mobile money. Each transaction is recorded with a unique reference and linked to your investor account.
4. SPV Allocation
Once a project reaches its funding target, the SPV acquires the property. Your investment is converted into SPV shareholding, and you receive a share certificate. The SPV entity has its own bank account where rental income is deposited and from which operating expenses are paid.
Every financial movement — deposits, management fees, maintenance costs, rental collections — is tracked in a double-entry ledger system. Debits always equal credits. Nothing is hidden.
5. Earning Returns
As the property generates rental income, the SPV accumulates distributable earnings. Each quarter, these earnings (net of expenses and management fees) are allocated to shareholders based on their ownership percentage.
Payouts are processed through the platform and deposited into your JengaFi account balance. From there, you can withdraw to your bank account, reinvest in new opportunities, or let your balance grow.
Every transaction on JengaFi — from investment to payout — is logged with a full audit trail. You can download statements and review your complete history at any time from your dashboard.
6. Exit & Completion
Each project has a defined investment term (typically 18–36 months). At the end of the term, the property is either sold or refinanced. Proceeds are distributed to SPV shareholders proportionally. Your investment status moves to 'completed', and the final capital distribution is deposited into your account.
JengaFi is also developing a secondary market feature that will allow investors to trade their SPV shares before the investment term ends, providing additional liquidity options.