What RIFO Holding Group does

RIFO Holding Group Inc. is a Cayman-domiciled, privately held technology platform founded in 2018 by Johnson Ji, headquartered in Markham, Ontario, and operating with 51-100 employees across Canada (Ontario and British Columbia) and a new operations centre in Foshan, China. The company operates as a vertically integrated home solutions platform organized into three divisions: a PropTech business (RIFO Realty Group) offering AI-assisted property search, 3D virtual tours via Matterport, leads and transaction management for licensed agents, and consumer-facing RIFO Client and Agent mobile applications; a FinTech business (RIFO FINTECH Group) that includes a smart mortgage origination platform connected to a large lender network, the RIFO Realty Trust Fund (offering first and second mortgages plus investment opportunities), insurance brokerage via Simplinsur, and family wealth management; and a HomeTech business (RIFO Home Solutions) providing smart home automation, energy management, and home maintenance services through the RIFO App. The company's stated business model bundles brokerage commissions, mortgage origination fees, trust fund interest, affiliate/insurance referral commissions, and transaction-based home services fees into a single consumer-facing platform, while leveraging a direct agent distribution network expanded through the August 31, 2025 merger with Bay Street Group Inc. Its customer base spans home buyers and sellers, licensed real estate agents, mortgage and wealth management clients, smart home subscribers, and institutional investors, with a multicultural and multilingual positioning anchored in the Chinese-Canadian community. Strategic differentiation rests on the breadth of the integrated stack relative to single-service brokerages, capital-markets-grade senior leadership, and BMO banking partnership recognition.

Name

RIFO Holding Group

Legal name

RIFO Realty Group Inc.

Website

https://rifo.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

51–100 employees

Short description

RIFO Holding Group is a Canada-based (Markham, Ontario) PropTech, FinTech, and HomeTech platform founded in 2018 that integrates real estate brokerage, mortgage origination, insurance, wealth management, and smart home services for Canadian home buyers, sellers, real estate agents, and investors.

Ownership category

akta.pro rank

Product category

Residential Real Estate Brokerage and Home Solutions Platform

NAICS

Offices of Real Estate Agents and Brokers (5312), Portfolio Management and Investment Advice (523940), Real Estate Property Managers (53131), Trusts, Estates, and Agency Accounts (525920)

SIC

Real Estate Agents & Managers (For Others) (6531), Mortgage Bankers & Loan Correspondents (6162), Investment Advice (6282), Investors, Nec (6799)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Comprehensive/Full-Service RIAs & Independent Wealth Managers (FSAAACAA), Family Office Investment Platforms & Direct Investing (PE/VC/Co-Invest) (FSAAADAH)

Keywords

• Real estate brokerage
• Mortgage origination services
• Home automation systems
• Wealth management solutions
• Property technology platform

Headquarters

HQ city

Markham

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Supply Chain, Infrastructure

Revenue model

1. Real Estate Brokerage Services: Commission-based real estate brokerage services including listing services and buyer representation services through RIFO Realty Group. Fees are typically governed by separate listing or buyer representation agreements.
2. Mortgage Brokerage & Smart Mortgage Solutions: Smart mortgage platform powered by the largest network of lenders, providing competitive mortgage rates. Revenue generated through mortgage origination and brokerage commissions.
3. RIFO Realty Trust Fund: Provides first and second mortgages to facilitate deal closures for agents and clients, and offers tailored investment opportunities for investors. Revenue from mortgage interest and investment returns.
4. Home and Auto Insurance: Partnership with Simplinsur brokerage offering home and auto insurance coverage. Revenue from insurance referrals and commissions.
5. Wealth Management: Family wealth management services powered by the RIFO FinTech Platform, providing tailored investment options using smart technology and data-driven insights.
6. Home Services & Smart Home: Home automation, maintenance, inspection, and related services through the RIFO App. Revenue from service fees for home management and smart home solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

RIFO Holding Group operates a technology-driven integrated home-solution platform combining real estate brokerage, home finance (mortgage origination, trust fund, insurance, wealth management), and home services (smart home automation, home maintenance) delivered through web and mobile apps. The company also runs a B2B platform for licensed real estate agents, supported by an agent network spanning Ontario and British Columbia following the Bay Street Group merger.

Product overview

RIFO Holding Group operates as a leading home solution service technology platform combining real estate, home finance, and home services into a unified ecosystem. The portfolio includes: (1) PropTech Platform - core real estate marketplace with RIFO Client App and RIFO Agent App for property search, virtual tours, and transaction management; (2) RIFO Fintech Group - financial services division offering Smart Mortgage Solutions, RIFO Realty Trust Fund, Home and Auto Insurance, and Family Wealth Management; and (3) RIFO Home Solutions (HomeTech) - smart home automation and home services. These products interlock to provide end-to-end home ownership support from property discovery through financing to ongoing home management.

Differentiator

Problem solved

Functional benefit

Products and services

• RIFO Client App Mobile application for home buyers, sellers, and homeowners to search property listings, find agents, schedule viewings, apply for mortgages, and control smart home devices, delivered through the iOS App Store and Google Play.
• RIFO Agent App Mobile application for licensed real estate agents and brokers to manage leads, client relationships, and transactions with integrated digital marketing, listing, and management tools.
• RIFO PropTech Platform Technology-driven real estate platform offering property search, Matterport 3D virtual tours, AI-powered latest listings, geographical mapping, and integrated agent, client, and transaction management for the Ontario and British Columbia markets.
• Smart Mortgage Solutions Technology-powered mortgage brokerage platform with access to the largest network of lenders, providing smart data processing to deliver competitive mortgage rates and a simplified mortgage journey for home buyers.
• RIFO Realty Trust Fund Real estate investment fund that provides first and second mortgages to facilitate deal closures for RIFO agents and clients, and offers tailored real estate-backed investment opportunities for individual and institutional investors.
• Home and Auto Insurance Insurance brokerage service offered through a partnership with Simplinsur, providing comprehensive home and auto insurance coverage to RIFO clients via the integrated RIFO platform.
• Family Wealth Management Smart-technology and data-driven investment platform offering tailored investment options for short- and long-term family financial goals, powered by the RIFO FinTech Platform.
• RIFO Smart Home Automation System Intelligent, fully customizable home automation system accessible through the RIFO App, providing real-time control of access, subsystem monitoring, leakage warnings, thermostat regulation, smart switches, and synchronized smart appliances.
• RIFO Home Services Comprehensive home services including home inspection, lawyer consultations, housing system maintenance, and smart appliance management, accessed through the RIFO Client App with pay-as-you-go pricing.
• RIFO Realty Group Brokerage Services Real estate brokerage services providing listing representation and buyer representation to clients, with commissions governed by separate listing or buyer representation agreements and delivered through a network of licensed agents.

Quantifiable outcome

• One of Canada's largest real estate platforms following Bay Street Group merger
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability7 records

Feature9 records

Partnerships

Six partnerships are on record, tiered moderate, minor, flagship and core.

• CCRPA (Canada-China Realty Professional Association)moderateGTM or Marketing Partner · 22 April 2026CCRPA celebrated 20 years with an anniversary gala and charitable fundraising milestone. RIFO's leadership (Johnson Ji serves as Executive Director of CCRPA) maintains a strong relationship with the association.
• International E-Commerce North America Sourcing & Partnership SummitminorGTM or Marketing Partner · 25 March 2026RIFO participated in the 2026 International E-Commerce North America Sourcing & Partnership Summit, advancing cross-border collaboration initiatives.
• Bay Street Group Inc.flagshipStrategic or Co-development Partner · 31 August 2025Bay Street Group Inc. and RIFO Realty Group Inc. announced a merger effective August 31, 2025, to create a technology-driven real estate platform. The merged entity aims to leverage AI and market access to transform the real estate process in Canada, focusing on Ontario and British Columbia.
• SimplinsurcoreChannel Partner/ Reseller/ DistributorPartnership with Simplinsur, a trusted Canadian insurance brokerage, to offer reliable home and auto insurance coverage through the RIFO Platform. Simplinsur provides insurance products while RIFO provides seamless integration and customer access.
• MoneriscoreTechnology or IntegrationMoneris is RIFO's third-party payment services provider, handling payment processing for the platform. Moneris's privacy policy governs payment transactions processed through RIFO.
• Toronto Real Estate Board (TREB)coreTechnology or IntegrationTREB provides real estate listing data and information integrated into the RIFO platform. RIFO acknowledges that TREB information is used by the platform and is not guaranteed as accurate.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Century 21 Canada: Established Canadian real estate franchise with national agent coverage. Comparable as a broad incumbent brokerage competing for agent recruitment and listings in the same Ontario and BC markets.
• Royal LePage Canada: One of Canada's largest traditional real estate brokerage networks with a national agent footprint. Comparable as a broad incumbent in Canadian residential brokerage against which RIFO's technology-led platform competes for agents and listings.
• RE/MAX Canada: Major Canadian real estate franchise with thousands of agents across the country. Comparable as a broad incumbent offering traditional brokerage services plus mortgage referral through REMAX-affiliated partners, against which RIFO positions its integrated platform.
• Wealthsimple: Canada's largest independent wealth management and investing platform, offering managed portfolios, trading, and savings products. Comparable to RIFO's Family Wealth Management arm as a Canadian technology-led wealth platform, though Wealthsimple lacks the real estate brokerage anchor.
• Sotheby's International Realty Canada: Luxury-focused Canadian brokerage operating in major markets including Toronto and Vancouver. Comparable as a premium Canadian brokerage incumbent competing for high-net-worth listings and clients in RIFO's core Ontario and BC markets.

Direct peers

• Properly: Canadian PropTech company offering a technology-driven home buying and selling platform with cash-offer and agent-matching services. Directly comparable as a Canadian real estate technology platform serving buyers and sellers in Ontario and beyond.
• Zoocasa: Canadian real estate search and brokerage platform owned by Rogers, serving Ontario, BC, and Alberta. Comparable as a Canadian PropTech-enabled brokerage platform competing for the same digitally-engaged home buyer and seller.

Emerging players

• Nesto: Canadian digital mortgage lender with a cloud-based origination platform and competitive rate offering. Comparable to RIFO's Smart Mortgage Solutions as a Canadian mortgage fintech competing for the same borrower base via technology.
• Ratehub.ca: Canadian mortgage comparison and brokerage platform connecting borrowers with lenders across Canada. Comparable to RIFO's mortgage brokerage arm as a tech-enabled Canadian mortgage intermediary.

Regional players

• True North Mortgage: Canadian mortgage brokerage offering direct-lender mortgage products across multiple provinces. Comparable to RIFO's Smart Mortgage Solutions as a Canadian mortgage broker, though operating without an integrated real estate brokerage anchor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/rifoholdings

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Subsidiaries5 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RIFO Holding Group