Solve Nigeria's Land Title Problem Without Waiting for Government

The process of obtaining a Certificate of Occupancy in most Nigerian states takes 2 to 7 years, costs several hundred thousand naira in fees and "facilitation", and requires documentation that many landholders simply do not have. The consequence is that most Nigerian property wealth is illiquid — owners cannot borrow against it, sell it securely, or leave it to children without dispute. The World Bank estimates that untitled land represents over $300 billion in dead capital in Nigeria alone. Your challenge is to design a practical land documentation and titling support service that helps Nigerian property owners obtain formal title or secure interim documentation within 12 months. It must work within the existing legal framework, be affordable at under ₦150,000 in total professional fees, and be scalable to 10,000 properties per year through a technology-enabled service delivery model. Submit a service design document (max 12 pages) including: the step-by-step process for different land categories, the technology that makes it scalable, the fee structure, how disputes are identified and managed early, the state government engagement model, and a plan to process 1,000 properties in Lagos or Abuja in the first year. Judging criteria: 35% process design within existing legal framework, 30% cost and scalability model, 20% dispute management approach, 15% government engagement strategy.