We have developed a five stage process for transforming financial and non-financial resources into commodities or assets (with special focus on affordable houses and apartments). These stages are: collaborate, create, code, share/trade and consume. The idea is coding and sharing of housing assets through the innovative process of generating coded and valued certificates of houses and apartments on a global scale. The codes generated serve as universal unique identifiers or global unique locators for houses/apartments. This is to facilitate trading and exchange which vibrates the local economic activities. The above approaches is designed to encourage potential financiers - creditors, investors, donors to collaboratively fund the development of low-cost housing projects in poor communities around the world.