ListingMine | Agent Cooperation Network (ACN)

Advanced Co-Broking for the Modern Property Agency Market

Flexible role-based cooperation · Works with any commission scheme · Fully configurable roles

What is ACN?
Agent Cooperation Network = advanced co-broking. Move beyond two-party split into a flexible role-based network. Any approved contribution can become a role.

Why old co-broking fails
Modern deals need photos, video, drone, ads, loan support, renovation, fast commission support, and risk sharing. No single agent does everything. ACN solves this.

How ACN works
Split gross commission into role portions → each portion enters participant’s applicable commission scheme or approved payout rule → final payout. ACN before commission scheme.

Instant visual: how a typical ACN split works

Traditional co-broking usually splits commission between the listing side and the buyer side. ACN keeps that familiar logic, but allows the agency to add extra contribution roles when more people helped make the deal happen.

Listing Side

40%

Owner / listing control

Buyer Side

40%

Buyer source / handling

Access Support

10%

Key holder / viewing

Case Support

10%

Document / admin

Multi-role flexibility: Same participant can hold multiple roles. Listing agent may also be key holder. ACN combines portions before applying commission scheme.

Example payout: RM100k Net Pool → Listing RM40k (80% scheme = RM32k personal), Buyer RM40k (70% = RM28k), Access RM10k, Case RM10k.

Who should use ACN?

Agency or Role Type	Why ACN Matters
Subsale agency	Advanced co-broking beyond lister/buyer split — reward key holders, document support, compliance.
Project agency	Handle marketing cost, commitment fee, fast commission, risk reserve, developer claims.
Rental agency	Split landlord-side, tenant-side, viewing, document, key holder, platform fee roles.
Team leader	Reward members based on real contribution, not just who brought the lead.
Agency boss	Standardize cooperation rules, reduce disputes, timestamped audit trail.
Agency doing subsale, rental, project	Use separate Subsale, Rental, Project ACN schemes under same ERP structure.

Important: ACN roles are fully configurable and agency-defined.
ListingMine does not decide what roles your agency must use. Your agency can create any role that fits your business model — lister, buyer-side, closer, key holder, renovator, branding, drone operator, loan support, insurance coordination, fast commission supporter, or any other role. ACN is a framework, not a fixed commission table.

Visual flow: the 4 core layers of ACN logic

1. Gross Commission
RM200,000

→

2. Pre-ACN Deductions
Marketing, commitment fee, risk reserve

→

3. Net ACN Pool & Role Split
Listing 40%, Buyer 40%, Access 10%, Case 10%

→

4. Commission Scheme + Post-Scheme
80% agent, company profit, upline, deductions

This layered approach ensures cost recovery, fair contribution rewards, and respect for each agent's unique commission structure.

ACN before commission scheme (core principle)

            ACN only decides the role portion. It does not decide the final personal payout.

            After ACN allocation, ListingMine applies that person’s applicable commission scheme or approved payout rule. Different role holders can have different payout rates, uplines, overrides, and profit rules.

Gross Commission → Pre-ACN deductions = Net Pool
→ ACN role split (Listing 40%, Buyer 40%, Access 10%, Case 10%) → usually totals 100%
→ Each role portion × participant’s applicable commission scheme or approved payout rule = Final distribution.

            Operational rules: Same participant can hold multiple roles. External parties (renovator, photographer) may be assigned roles if agency policy allows and legal compliance is met. Each role portion enters the participant's approved payout rule, not necessarily a standard agent commission scheme.
        

What ACN prevents

Without ACN	With ACN
Agents argue who deserves commission	Roles recorded before payout
Key holder, verifier ignored	Small contributions rewarded
Boss manually decides special cases	Predefined, auditable rules
Project cost recovery messy	Structured Pre-ACN deductions
Fast commission burden on boss	Advance settlement role (Fast Comm)
Excel needed for special cases	ListingMine calculates ACN rules
WhatsApp proof causes disputes	Role proof + timestamped audit trail

Terminology: "Advance Settlement Contributor" = formal ACN term; agencies call it "Fast Comm Support" role.

Practical ACN Scenarios

ACN is flexible. These examples show how agencies can structure different cooperation models without forcing every deal into the same fixed commission split.

Scenario 1: Fast Commission Support
Developer pays later, agent wants earlier payout. ACN creates an Advance Settlement Contributor role so cashflow support is recorded, priced, approved and audited.

Scenario 2: Securing Exclusive Project Listing
Developer asks commitment fee for exclusive selling rights. ACN records who contributed upfront and how recovery or participation is handled.

Scenario 3: 10-Role Advanced Subsale
Beyond listing/buyer split — reward verification, key holding, first viewing, document support, loan support and closing roles.

Fast Commission Support (Advance Settlement)

Scenario: Developer commission of RM30,000 is payable later, but the agent wants faster payout now. An approved ACN participant provides RM27,000 cash now and receives the RM30,000 developer payment later.

ACN Allocation	Percentage	Amount	Meaning
Agent Fast Comm Payout	90%	RM27,000	Actual cash paid to the agent now
Advance Settlement Support Fee	10%	RM3,000	Support fee / risk-adjusted allocation for providing cashflow and taking developer payment risk
Total Developer Commission Receivable	100%	RM30,000	Total amount later collected from developer

Cashflow	Amount
Cash advanced by supporter now	RM27,000
Developer pays later	RM30,000
Supporter's gross spread	RM3,000

                ACN treatment: The commission receivable remains 100%. ACN shows 90% as the agent’s fast payout portion and 10% as the Advance Settlement Support Fee. This makes the fast commission arrangement transparent and auditable.
            

Important: The example above is for illustration only. ListingMine provides the ACN infrastructure for role allocation, calculation, approval and audit trail. Each agency is responsible for setting its own commercial rules, documentation and compliance with applicable laws and regulations.

Securing Exclusive Project Listing

Scenario: Developer asks for a commitment fee before giving exclusive selling rights. ACN records who contributed the upfront amount and how recovery/participation works.

Step	Example
Developer commitment fee required	RM100,000
Contributors & contribution	Boss RM40k, Team Leader RM30k, Senior Agent RM30k
Pre-ACN recovery	Commitment fee recovered first from project commission
Gross project commission	RM500,000
After commitment fee recovery	Net Project ACN Pool = RM400,000
ACN role allocation (example)	Developer Introducer 15%, Marketing Contributor 20%, Project Closer 35%, Claim Verifier 10%, Admin 10%, Risk Reserve 10%
Proof required	Agreement, payment receipt, developer appointment letter

ACN handles project opportunity creation, not just commission split. Each contributor's role portion enters their applicable commission scheme or approved payout rule.

10-Role Advanced Subsale Cooperation

In complex subsale cases, ACN can go beyond listing side and buyer side by rewarding multiple specialist contributions. This mirrors advanced ACN logic while remaining Malaysian-agency friendly.

ACN Role	Example %
Listing Side / Owner Source	25%
Listing Maintainer	10%
On-site Verifier / Photographer	5%
Key Holder / Access Support	5%
Buyer Source	25%
First Viewing Agent	5%
Negotiator / Closer	15%
Loan Support	3%
Document / Case Support	5%
Case Auditor / Payout Verifier	2%
Total	100%

Each role portion enters that participant's applicable commission scheme or approved payout rule. Same participant can hold multiple roles. This structure shows how ACN becomes infrastructure for a modern co-broking ecosystem.

Role proof & timestamped audit trail

Every ACN role requires supporting evidence. All proofs stored with timestamped audit trail to eliminate disputes.

ACN Role	Possible Proof / Evidence
Listing Side	Listing record, owner confirmation, signed exclusive form
Buyer Side	Buyer registration timestamp, inquiry log, viewing record
Access Support / Key Holder	Viewing access log, key handover record
Case Support / Document Verifier	Claim checklist, SPA verification, developer claim form
Advance Settlement (Fast Comm)	Payment record, signed agreement, bank transfer slip
Renovator / Staging	Invoice, before/after photos, contractor confirmation

Every action – role assignment, proof upload, approval, payout – logged with timestamp and user ID. Agency bosses retrieve full history, reducing commission disputes significantly.

Rental ACN

Rental cooperation
Splits landlord-side, tenant-side, key holder, viewing coordinator, tenancy documentation coordination (admin support), stamping, handover, platform fee roles before rental commission scheme.

Example rental split
Landlord 40%, Tenant 40%, Key holder 5%, Viewing 5%, Documentation 5%, Platform fee 5% → each portion enters applicable rental commission scheme.

Dispute reduction
Records who opened door, coordinated documents. Reduces friction while keeping legal boundaries clear.

Subsale ACN

Gross commission = ACN Pool (Pre-ACN optional). Create roles: Listing Side, Buyer Side, Access Support, Case Support, Photographer, Renovator, Branding, Lead Qualifier, Compliance Verifier.

Realistic subsale split (RM100k)
Listing 40% (RM40k), Buyer 40% (RM40k), Access 10% (RM10k), Case 10% (RM10k). Then each portion × participant's applicable commission scheme or approved payout rule.

Project ACN

Pre-ACN deductions essential: commitment fee, marketing, fast commission support cost, risk reserve, branding, content production.

Gross developer commission: RM200,000
– Commitment fee RM30k – Marketing RM20k – Fast commission support RM10k – Risk reserve RM5k = Net Pool RM135,000
→ ACN split: Project Introducer 20% (RM27k) | Buyer Lead 15% (RM20,250) | Project Closer 30% (RM40,500) | Claim Verifier 5% (RM6,750) | Advance Settlement 10% (RM13,500) | Marketing Contributor 10% (RM13,500) | Risk Participant 5% (RM6,750) | Admin 5% (RM6,750)

Developer IntroducerCommitment Fee ContributorMarketing Fund ContributorClaim VerifierAdvance Settlement (Fast Comm)Risk Reserve ParticipantBranding Contributor

Financial, cost & risk roles inside ACN

Commitment Fee ContributorMarketing Fund ContributorAdvance Settlement (Fast Comm)Risk Reserve ParticipantRenovation ContributorEquipment Contributor

Insurance support (safe usage): Only referral/coordination where legally allowed. Not selling insurance or underwriting risk. ACN is co-broking framework, not regulated financial product.

ACN roles fully configurable & agency-defined

Listing SideBuyer SideAccess SupportCase SupportKey holderPhotographerVideographerDrone operatorBranding contributorAds managerLead qualifierLoan supportClaim verifierRenovatorStaging coordinatorCommitment fee contributorAdvance settlement supporterRisk reserve participant

Scheme types: Subsale ACN · Rental ACN · Project ACN · Exclusive project · Fast commission · Marketing fund · Content production · Renovation · Risk reserve · Custom ACN.

Pre-ACN vs Post-scheme deduction

Layer	When applied	Example
Pre-ACN Deduction	Before role split	Marketing recovery, commitment fee, risk reserve
ACN Role Split	Defines portions	Listing 40%, Buyer 40%, Access 10%, Case 10%
Commission Scheme / Payout Rule	Per role holder	80% agent, 15% company, 5% upline, or approved payout rule for non-agents
Post-Scheme Deduction	After scheme, per person	Personal advance, penalty, clawback

Post-scheme example: Agent entitlement RM32,000 → personal advance RM5,000 → final RM27,000.

Traditional co-broking versus ACN

Item	Traditional	ACN (ListingMine)
Main roles	Listing + Buyer only	Unlimited agency-defined roles
Photos, video, drone	Ignored/cost	ACN roles with portion
Renovation/branding	Outside commission	Clear ACN roles
Fast commission	Boss burden	Advance settlement role
Risk sharing	Informal	Risk reserve + Pre-ACN
Audit/disputes	WhatsApp proof	Role proof + timestamped audit trail

Final summary for agency leaders

ACN is advanced co-broking. Modern deals involve listers, buyer agents, key holders, photographers, videographers, drone operators, ad managers, loan support, document verifiers, renovators, branding contributors, fast commission supporters and risk participants.

ACN allows agencies to create any approved role and allocate a portion of the deal to each contributor. Then each role portion is processed through the participant’s applicable commission scheme or approved payout rule.

ACN decides who contributed. The commission scheme or payout rule decides final distribution.

Request ListingMine ACN demo See pricing & plans

ListingMine ACN is a co-broking role allocation, calculation, approval and audit system. Legal agreements must be documented. Insurance support = coordination only. Tenancy documentation = administrative support, not legal drafting.