COCOA HOUSES

Climate-Smart Homes.
Financial Inclusion.
Generational Wealth.

+ 0 ^%

of African workers in the informal sector

≈ 0 m²

High-quality, climate-adapted home per unit

4 - 15 0 ^%

Structured, asset-backed investor returns

Cocoa Houses — Sustainable Housing Franchise | Bafing Projects

A New Model for Housing in Africa

Not just a project —
a franchise system

Cocoa Houses is designed to transform how housing is built, financed, and owned across Africa. Developed by Bafing Projects, the model integrates Swiss expertise in sustainable construction with Swiss-grade financial engineering — grounded in local materials, ecosystems, and cultural intelligence.

We combine climate-smart construction, energy autonomy, financial inclusion mechanisms, and AI-powered investment infrastructure into one replicable franchise system.

A transfer of know-how. A creation of ownership. A system designed to last.

Climate-Smart Construction

Low to no cement, passive cooling, and thermal regulation adapted for Africa's climates.

Energy Autonomy

Off-grid solar systems, clean cooking and water optimisation in every unit.

Financial Inclusion

Mobile-first payment rails, alternative credit scoring and blockchain traceability.

Swiss Engineering

Risk layering, portfolio aggregation, transparent cash-flow tracking and predictive modelling.

The Challenge & Opportunity

A continent-scale
opportunity

80%+

Of workers across Africa operate in the informal sector, excluded from traditional credit systems and mortgage products.

Millions

Are locked out of homeownership due to a lack of formal financial identity and access to structured housing finance.

Growing

Housing deficit driven by climate-maladapted, expensive, and inefficient construction methods across the continent.

Cocoa Houses introduces a Swiss-structured, African-grounded housing and financing model — turning structural exclusion into a scalable, investable opportunity.

For You

Designed for
every stakeholder

From Paying Rent to Building Ownership

Accessible financial systems inspired by Swiss discipline, adapted to local realities.

Monthly payments comparable to current rent
Progressive ownership through rent-to-own
Mobile-based payment — no bank account required
Flexible contribution schemes for informal workers

What Your Home Includes

Every Cocoa House is designed for long-term quality, comfort, and climate resilience.

≈100 m² high-quality, climate-adapted home
Passive cooling design — low energy bills
Solar-powered electricity, off-grid
Clean cooking solutions
Productive garden with vertical farming readiness

Swiss Financial Engineering Meets New Markets

Access the untapped informal market through structured, standardised financing backed by data-driven credit models.

Risk layering with blended finance structures
Portfolio aggregation for scale
Transparent cash-flow tracking
Predictive modelling for credit risk

De-Risking Infrastructure

Every tool needed to reduce exposure while unlocking a multi-billion dollar untapped market.

Mobile payment rails with full traceability
Blockchain-secured transaction records
AI credit scoring for informal borrowers
ESG-aligned portfolio reporting

High-Impact Deployment with Structured Accountability

Measurable, scalable impact with transparent capital allocation and a fully replicable franchise model.

Catalytic capital deployment — SDG-aligned
Technical assistance programmes
Carbon finance integration
Institutional partnership structures

What We Track & Report

Real-time impact reporting across housing, climate, finance, and inclusion.

Homes built and families housed
Carbon credits generated and verified
Financial identities created
Women and youth beneficiaries
Entrepreneurs formalised

Returns: 4% – 15%

Structured, Scalable, Impact-Driven Returns

Asset-backed, ESG-integrated investments across multiple revenue streams with Swiss-grade structuring.

Rent-to-own payment flows
Franchise licensing revenue
Carbon credit streams
Energy and financial services

Investment Formats

Multiple entry points and structures for institutional, impact, and private investors.

Special Purpose Vehicles (SPVs)
Public-Private Partnerships (PPP)
Blended finance structures
SIRA platform — portfolio management access

The System

Exporting Know-How,
Empowering Local Execution

A pan-African franchise system transferring both sustainable construction expertise and financial engineering systems — not just houses.

01 — Construction

Swiss Know-How Transfer

Low to no cement construction
Climate-adapted architecture
Thermal regulation systems
Local materials integration

02 — Energy & Resources

Autonomous Systems

Solar power infrastructure
Passive cooling design
Water optimisation
Clean cooking solutions

03 — Sustainability

Circular Economy

Agroforestry integration
Carbon capture & credits
Nature-based solutions
Circular material flows

04 — Finance

Inclusion Mechanisms

Mobile payment rails
Alternative credit scoring
Blockchain traceability
AI risk management

We don't just build homes. We transfer systems.

Impact by Design

Each home is a node in a
transformation system

Every Cocoa House generates measurable impact across energy, finance, climate, and community — at the individual, family, and ecosystem level.

Energy Independence

Off-grid solar, no burden on national grids

Carbon Reduction

Low-emission build + agroforestry + carbon credits

Financial Empowerment

Asset ownership and financial identity creation

Housing Deficit

Scalable model for rapid dignified deployment

Vulnerable Populations

Informal workers, women and youth centred

Entrepreneur Formalisation

Financial traceability unlocks credit access

Climate Resilience

Flood mitigation, data-driven land use

Cultural Integration

Local architecture, community-based design

Contributing to SDGs

Join the Movement

Your role in the system

Four ways to participate. One shared mission.

Become a Homeowner

Start your path from tenant to owner with monthly payments you can afford today.

Apply Now

Partner as a Financial Institution

Access structured, data-backed portfolios in untapped African markets.

Explore Partnership

Support as a Development Organisation

Deploy catalytic capital with measurable, scalable SDG-aligned outcomes.

Discuss Support

Invest in Cocoa Houses

4–15% asset-backed, ESG-integrated returns with Swiss-grade structuring.

View Opportunities

Project leaders

Bafing Projects · Africa — Switzerland

+(41) 76 396 00 93