Abstract Home equity, Converted into tangible assets you actually control.
The BTBcard National Homeowners Equity Fund converts the free and clear portion of a home's equity value into Abstract Non Fungible Asset Tokens recorded on the Blockchain as indisputable proof of ownership, assuring that regardless of any event the property owner will claim and recover the total value of equity. These tokens can be held a an asset or mobilized by purchase and sale offers or traded in the housing marketplace.
4 offerings live · $1.94M in equity minted to date
How equity becomes a token
Three steps carry a home from private asset to a position that either side can act on.
The homeowner mints
An owner has the home appraised, chooses how much equity to tokenize — typically 10 to 30% of value — and mints that amount as tokens against the property. No refinancing, no new monthly payment, and the owner keeps living in and holding title to the home.
Investors fund the offering
Verified investors buy tokens directly from the mint at a fixed price, paying the homeowner in exchange for a proportional claim on the home's future value. An offering closes once it's fully funded.
Tokens trade on the open market
Once funded, tokens move to the secondary market. A holder can sell part or all of a position at any time instead of waiting for the underlying home to sell.
Open offerings
A sample of properties currently raising or trading on the fund. Figures below are illustrative.
Built for both sides of the table
The same protocol, two very different reasons to use it.
Unlock equity without a loan
- Turn part of your home's value into cash without refinancing, a home equity loan, or a monthly payment
- Keep full ownership and stay in the home — you're selling a future claim, not the property itself
- Buy tokens back over time, or let the position settle when the home eventually sells
Own real property, one token at a time
- Get direct exposure to residential real estate starting at a single token, not a full purchase
- Track your positions, payouts, and property performance from one dashboard
- Exit through the secondary market instead of waiting on a home sale
Every token settles on-chain
The equity behind each token is recorded, held, and moved the same way for every property on the fund.
On-chain settlement
Every mint, purchase, and trade is recorded on a public ledger, so ownership of a token is always independently verifiable.
Independent custody
Underlying property agreements are held by a licensed third-party custodian, separate from the protocol itself.
Audited contracts
Minting, trading, and payout contracts go through independent review before an offering goes live.
Transparent ledger
Anyone can look up an offering's funding history, token supply, and trade activity from the admin console.