Eight modules that share one record. A buyer uploads documents on their phone; the AI reads them, builds the bank pack, and the same data carries through to the offers, the brokerage dashboard and the commission ledger — nobody retypes anything.
Per-item upload, checked the moment each file lands.
BuyerSeven pages, 85% read off the documents.
AI, then a reviewerEach bank gets the pack in the form it asks for.
ConsultantSide by side, unranked. The buyer decides.
BuyerEarned on registration, reconciled to the cent.
BrokerageEach opens on its own. They share the same applicant, the same deal reference and the same numbers throughout.
Two questions, then a list to work down. Photos from a phone are fine.
Seven pages built from the documents, with a source on every field.
What it costs a month, and what you need in cash before you get the keys.
Every official language. AI drafts all eleven the moment English changes; a sworn translator signs.
What a business owner actually earns, reconciled to the cent and signed by a person.
One verified set of documents, reshaped for each bank — after a person signs it off.
Every reply normalised, ranked internally, presented unranked to the buyer.
What each registered bond earns, what each bank owes, and what you owe out.
Where my buyers are, and nothing about their money. Built for a phone between viewings.
Every deal in one view, across multiple brokerages, with per-user permissions.
One append-only table, written on every stage change. Impossible to backfill.
Per seat or per registered bond, modelled live. The case for never charging a subscription.
Every field, pulled from BetterBond's own 893-field form and cross-checked.
| Built and working | Not built |
|---|---|
| Every screen, clickable end to end, with real calculations | No database. Refresh and it resets. |
| Affordability, commission, VAT, splits and stress maths — all computed | The AI is scripted. Nothing is actually read from a document. |
| Permissions, tenancy and rate cascades genuinely enforced | No connection to a bank, bureau, Home Affairs or deeds office. |
| Legal gates designed in — POPIA s71, FAIS stance, ECTA on the OTP | No login, no file storage, no audit trail that survives a refresh. |
1. Bank accreditation. Nothing earns a cent without a commission agreement with each bank. That is a commercial negotiation, and it gates everything else. One meeting with one broker desk.
2. Working capital. Commission pays on registration and banks then average 38 days. You fund consultants, rent and marketing for four to five months before the first rand lands.
3. Where the deals come from. ooba and BetterBond win on estate agent relationships, not software. The platform is necessary and nowhere near sufficient.
Not "we use AI" — a competitor already says that. It is the self-employed reconciliation, tracing money between business and personal accounts to build a defensible income figure, and the per-bank pack rules that keep you from submitting where you were always going to be declined. Both are hard to copy and both come from knowing accounting, not from knowing software.