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Resolving the land challenge: Blockchain opportunities

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Resolving the land challenge: Blockchain opportunities

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Resolving the land challenge: Blockchain opportunities

  1. 1. RESOLVING THE LAND CHALLENGE: BLOCKCHAIN OPPORTUNITIES November 05, 2019
  2. 2. AGENDA 1 | 1. Transaction Support Centre (TSC) overview 2. Seso overview 3. The pilot site 4. The platform 5. Future opportunities
  3. 3. The Transaction Support Centre is a pilot, action-research initiative in Khayelitsha, created by 71point4 and CAHF. The TSC provides free, hands-on assistance and advice for individuals looking to buy and sell residential properties through EFFICIENT, SAFE & LEGAL processes. At the same time, the TSC documents the progress of transactions, to highlight potential policy, legislative and administrative issues for attention. 2
  4. 4. 2 9 11 22 55 196 251 3 3 9 11 19 55 233 Other Want to sell a house Will Subsidy application Want to buy a house Title deed problem 7 8 9 13 53 98 100 Donation "X" Divorce Administrative Primary transfer Intestate Informal cash sale Updated as of 4 November 2019 Note: *Cases closed to date: 45 (primarily cases where we could not assist clients) and cases pended (on hold): 15 **Total exceeds number of cases with title deed issues as one case may have multiple problems e.g. primary transfer and intestate TYPES OF CASES REASONS FOR TITLE DEED PROBLEMS** CASE STATUS (Total cases submitted to date: 333*) TOTAL OPEN CASES Document / info collection phase Transfer in progress TOTAL FINALISED CASES Title deed handed over Will drafted Other Transaction Support Centre case load as at 4 November 2019
  5. 5. AGENDA 4 | 1. Transaction Support Centre (TSC) overview 2. Seso overview 3. The pilot site 4. The platform 5. Future opportunities
  6. 6. • SESO Global is a Digital Real Estate Broker. • We Sell Properties and Property Related Services. • We offer Secure Transactions, Access to Finance, Property Management and Services. SESO: What Do We Do…? Property Developers Brokers Banks Surveyors/ Valuers Insurers Management 9/13/19 5
  7. 7. SESO: The Platform 9/13/19 6 Seso Verified Properties Access Property Finance Request Land Services
  8. 8. SESO: The Platform 9/13/19 7 Manage Property Registries and Documentation
  9. 9. SESO: The Blockchain – Use Case and Application i) Ensure Property Documents Integrity ii) Recording Property Sale Transactions iii) Recording Service Request on Property Transactions
  10. 10. AGENDA 9 | 1. Transaction Support Centre (TSC) overview 2. Seso overview 3. The pilot site 4. The platform 5. Future opportunities
  11. 11. Footnote10 | Makhaza Zone 14 Makhaza East Number of properties: 269 Number of properties: 299 Makhaza Central Number of properties: 265 Makhaza West Number of properties: 246 PILOT SITE: UMRHABULO TRIANGLE, MAKHAZA, KHAYELITSHA Total number of properties in four sites: 1 079
  12. 12. The first step is to collect, verify and bring data into the system, and then to create an accessible and widely adopted process to maintain that data over time 11 “Simply put, blockchain does not resolve the primary challenge of land administration faced in many emerging economies— how to bring citizens and properties into the formal system. Blockchain will not help to identify who has what right and to where. It will not resolve property rights disputes as properties are brought into the formal system. Most importantly it won’t resolve the tedious and time consuming process of collecting, verifying and bringing data into the system in the first instance” – Blockchain and Property in 2018: At the End of the Beginning, J. Michael Graglia and Christopher Mellon 11 |
  13. 13. Of the 1079 properties in our four study sites, we completed surveys in 928 properties. The balance is where either the occupant refused to participate or no one was home after multiple attempts Note: Data based on Q_10: “Do you consider yourself to currently…:” with answer options being “Own this property”, “Live here for free / look after it on behalf of someone else” or “Rent this property” *Beneficiary as per project manager list, not necessarily the HSS12 | REPORTED TENURE STATUS OF RESPONDENT(S) SURVEYED (Total number of completed surveys: 927) 76 133 562 28 20 109 Occupant is: Renter Occupant is: Caretaker Occupant is: Owner Reported owner is beneficiary* Reported owner is not beneficiary* ✓ Where beneficiary status of the owner- occupant is confirmed, sign deed of sale and register the property. Seso platform to maintain data and facilitate the process • Trace beneficiaries who are not living on the property and verify data. Verified data to be added to the Seso platform (as above) • Public call for beneficiaries to come forward • Where ownership is disputed, work with the City to resolve disputes through mediated process • Where mediation does not succeed, appoint a land title commissioner
  14. 14. AGENDA 13 | 1. Transaction Support Centre (TSC) overview 2. Seso overview 3. The pilot site 4. The platform 5. Future opportunities
  15. 15. Platform Overview: Each property owner will have their own profile on the platform, however the intention is to access these profiles via a helpful agent in the TSC office 14 |
  16. 16. Platform Overview 15 | Joe Bloggs Bloggs@gmail.com
  17. 17. Platform Overview 16 |
  18. 18. Platform Overview 17 |
  19. 19. AGENDA 18 | 1. Transaction Support Centre (TSC) overview 2. Seso overview 3. The pilot site 4. The platform 5. Future opportunities
  20. 20. The scope to leverage technology to improve land (and subsidy) administration in South Africa is significant. Because we have a universal, digital ID in South Africa, it is entirely possible to create a fully digital property registry 19 | ADDITIONAL USE CASES ‘CLOUDY’ TITLE DEEDS INFORMAL SETTLEMENT AREAS TRIBAL AREAS • There are over 1 million households who live in informal settlements in urban areas • This use case would require mapping and re-blocking in addition to an occupancy survey • Occupancy surveys are typically conducted as part of the process of upgrading, but the data is often not well managed or maintained over time • Opportunity to use technology create secure tenure and clear rights • In some cases, tribal offices already maintain detailed (paper- based) land allocation records, and some communities are in favour of private title • There may be interest in recording land ownership using blockchain technology • In many low income areas the integrity of title deeds has been compromised either by informal sales and/or deceased estates that have not been wound up • No reliable estimates of the number of cloudy title deeds • The process of adding these properties to a blockchain is very similar to the primary transfer case as a General Plan exists. An occupancy survey is required with processes to maintain and verify data • We would like to expand the pilot in Makhaza. Property owners came to initial launch meetings and have requested that gather / verify data in their areas PRIMARY TRANSFER & REGULARISATION • Government estimates there is a backlog of over 860 000 title deeds on RDP properties around the country. • Occupancy survey data is often not managed or maintained • There is a difference between data on the HSS and data maintained by project managers. Project manager data is also not always managed or maintained • Opportunity to explore decentralised ledger technology to administer subsidies
  21. 21. Questions / comments Footnote20 | THANK YOU ILLANA MELZER ILLANA@71POINT4.COM DANIEL BLOCH DBLOCH@SESO.GLOBAL

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