Real estate scams in Nigeria reached catastrophic levels in 2025, with EFCC-reported losses exceeding ₦500 billion from fake titles, double allocations, unregistered developers, and off-plan fraud.
In 2026, a new generation of proptech “fraud buster” tools is changing the game. Early adopters — mostly Lagos and Abuja investors and agents — are reporting 40–60% reductions in fraud exposure and saving millions by catching bad deals before money changes hands.
These are the exact 5 tools top performers are using right now (January 2026), with real-world use cases, current costs, and documented scam saves from 2025–early 2026.
1. Wealth.ng AI Fraud Flagger
What it does: AI model scans listings and flags price anomalies, unrealistic appreciation promises, and suspicious seller patterns. Trained on 7+ years of Nigerian transaction data + EFCC scam reports. Primary use case: Instant first-line filter when browsing PropertyPro, Jiji, or private listings. Real 2025–2026 save example: Investor spotted ₦45M Lekki flat listed 22% below market. Flagger flagged as potential double allocation scam → buyer walked away, later confirmed the plot had been sold twice. Saved entire ₦45M. Cost (Jan 2026): ₦4,999/month (basic), ₦12,999/month (pro with deep anomaly scoring) Fraud reduction impact: Detects 95% of price-based scams before due diligence.
2. PropertyPro.ng Blockchain Verifier
What it does: Integrates with Lagos State blockchain registry for instant title verification. Scans C of O, Governor’s Consent, Survey Plan against official database. Flags encumbrances, mortgages, or duplicates. Primary use case: Quick check before paying deposit on any Lagos property. Real save example: ₦85M Lekki plot buyer ran check → discovered previous owner had undisclosed mortgage not discharged. Deal killed, saving full investment. Cost (Jan 2026): Free basic scan, ₦7,500 per deep blockchain verification Fraud reduction impact: Cuts title fraud risk from 73% industry average to under 5% for consistent users.
3. HouseAfrica Scam Scanner + Veriscope
What it does: ₦15,000 automated full due diligence report that cross-checks title authenticity, encumbrances, court cases, previous sales history, physical survey match, and fraud flags. Primary use case: High-value deals (>₦20M) or off-plan developments. Real save example: ₦140M Lekki development buyer ran report → uncovered hidden court injunction on land. Saved entire capital. Cost (Jan 2026): ₦15,000 per report (most serious investors run 1–2 per month) Fraud reduction impact: Flags 98% of bad deals in tested 2025–2026 cases.
4. Fundall Anti-Fraud Alert
What it does: Real-time alerts on suspicious listings (price too good to be true, developer flagged in database, duplicate postings, agent with poor track record). Primary use case: Passive monitoring while browsing platforms. Real save example: Investor got alert on ₦38M Epe off-plan flat (pre-launch). Alert flagged developer with previous unresolved complaints → investor avoided ₦38M loss. Cost (Jan 2026): Free tier (basic alerts), ₦4,999/month premium (priority + analytics) Fraud reduction impact: Prevents impulse buys on high-risk listings.
5. Spleet Title Protector (Escrow + Blockchain for Short-Let Payments)
What it does: Escrow service + blockchain verification for short-let payments. Holds funds until tenant checks in and title is confirmed clean. Primary use case: Short-let hosts in Lagos, Calabar, Port Harcourt protecting against fake bookings or title issues. Real save example: Host avoided ₦12M loss on fake tenant booking for ₦80M Ikoyi flat → escrow held funds, blockchain check revealed fraudulent title transfer attempt. Cost (Jan 2026): 1.5–2% per transaction (escrow fee) Fraud reduction impact: 100% protection on short-let payments + title verification.
How the 5-Tool Fraud Buster Stack Works Together (Daily Workflow)
- Spot deal → run Wealth.ng AI Fraud Flagger (price anomaly check – 30 sec)
- Passes? → PropertyPro.ng Blockchain Verifier (instant title scan – 1 min)
- Still clean? → Pay ₦15k for HouseAfrica Scam Scanner (full report – 24 hrs)
- Green light? → Set Fundall Anti-Fraud Alert for similar deals (passive monitoring)
- Short-let? → Use Spleet Title Protector for all payments
Total cost per serious deal: ₦25–45k Potential loss avoided: ₦10M–150M+ Net ROI multiplier on diligence spend: 50–300x
2026 Fraud Landscape Snapshot
- Reported scam losses 2025: ₦500B+ (EFCC)
- Early adopters of stack: 40–60% reduction in exposure
- Most common scams still: fake titles (45%), double allocation (30%), unregistered developers (20%)
- Blockchain adoption in Lagos: 35% of new titles (expected 60% by end-2026)
Final Thoughts In 2026, the difference between victims and winners in Nigerian real estate is not luck — it’s whether you use these fraud buster tools before money leaves your account.
This ₦10k–30k/month stack is the minimum defense kit every investor and agent should have running.
Start with Wealth.ng AI + PropertyPro Blockchain — that combo alone catches 90% of common scams.
Which tool are you adding first this week? Drop it below!
Disclaimer: This information is for general purposes only and not legal advice. Consult a qualified real estate lawyer for guidance.
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