REAT White Paper

Real Estate Asset Token

Decentralized Finance and Real Estate

Cryptocurrency backed by REAL ASSETS

REAT.io is a Real Asset / Real Estate blockchain platform that brings global reach, funding and opportunity to people from all over the world participate in any market and any deal.

Real (Estate) Asset Tokens (REAT) allows all participants in real assets deals such as real estate, companies, art, vehicles and more to efficiently complete and fund deals where all participants are motivated to act efficiently and ethically promoting a healthy and robust “digital credit society”.

With REAT blockchain, for instance all participants from purchasers, sellers, developers, financial institutions, investors, appraisers, inspectors, lawyers and specialists involved with deals are able to efficiently transact and fulfill their roles via smart contracts.  All participants in the REAT blockchain will be incentivized to act ethically and to the best of their abilities to develop and be beneficiaries of their positive superior reputation on the REAT blockchain. 

All owners, participants and investors become beneficiaries of REAT.io real estate blockchain.

REAT is a smart contract technology and distributed accounting technology developed for the purpose of splitting real estate under REAT.io, which utilizes blockchain’s intrinsic advantages such as trustless mechanism, antitamper, co-supervision and traceability.

Through REAT’s smart contract, large real estate can be syndicated and distributed between individuals and financial institutions. In this way, the user will get the opportunity to invest small amounts of money and benefit from real estate, and ensures security and low risk of investment.

REAT.io offers a deal management process to asset owners, acting as a neutral agent for asset owners, private lenders and financial institutions so that both parties can search and make deals.

REAT blockchain brings global accessibility and power to local Real Estate deals in the most efficient way.  Decentralized finance and Real Estate. As capital markets are becoming global markets, real estate markets are no exception despite the difficulties posed by venturing overseas no investor can overlook the potential international investment holds out. This urges the need for a new decentralized solution to capitalize on this potential.

North America, for example, accounts for only 5% of the world’s population, but accounts for nearly half of the world’s property value. REAT.io opens up new markets by bringing global investment from large institutions and individuals from Asia, Africa, Latin America, Middle East and other regions to local deal.

REAT Brings global opportunity to people from all over the world participate in any market and any deal. Achieving this through the utilization of the core principles of the blockchain: fairness, accessibility, transparency and trust while applying them to an already existing, fully operational, ecosystem with an annual income and a substantial annual profit.

REAT crypto holders gain direct access to opportunities in domestic and international markets where they can utilize participate in a secure, efficient and cost-effective way.

REAT allows a seamless, quick, and low-cost way to own real estate revenue streams for investors without any of the regulatory burdens associated with it. It streamlines real estate investment by offering a venue for the capitalization of cryptocurrencies and their conversion in actual, physical property. This model facilitates entry of investors into the market by offering them a chance their wealth with cryptocurrency with the added security that is backed by real world assets.

Existing investment models have immense barriers to entry.

These are, in part, caused by the lack of standardized models on the regulatory and financial side which make cryptocurrency investing in real estate unfeasible for most investors.

Currently there are three main problems in the market:

• Traditional real estate investment processes (including traditional Real Estate Investment Trusts or REITs) are inefficient, slow, and expensive, while denying investors direct control of their funds.

• Real estate investing regulations are prohibitive and limit the potential pool of investors.

• Investment size restrictions price out most interested investors.

One of the biggest differentiators between real estate and other major asset classes is liquidity. Compared to exchange-traded securities, real estate markets are not as organized or efficient as other markets, which results in slow transaction times and less efficient price discovery mechanisms. The result is substantial capital trapped in less liquid investments, often concentrated in certain geographic areas devoid of domestic investment opportunities.

While many investors with excess liquidity would welcome the opportunity to invest in real estate with crypto currency. There are elements of this investment process that will likely require the assistance of specialists and third-party professionals to close such transactions. The investor needs a complete and easily understood picture of rules, regulations, and requirements governing investment. In some countries, the investment code is simply a guideline and the investor must research and examine other legislation, including the tax code, labour laws, property laws, and rulings and judgments from relevant authorities. REAT

Traditional vs. Crypto

The question, however, will be how these sources of capital choose to invest. While the traditional real estate market is offering a blind pool, investors can choose to invest in the more liquid open-ended market, where some managers are working to create service offerings built around the architecture of blockchain and cryptocurrencies to allow for easy wealth transfer.

The traditional real estate market channels offer a certain degree of stability, but they are slow, expensive and cumbersome. With so much crypto capital waiting to be invested in the real estate market, it is becoming clear that investors need a safe, quick and functional alternative to allow for greater diversification across their investment exposure. As the number of international investors interested in real estate investment by crypto currency is expected to increase. Investors are increasingly turning to digital currency to hedge against the weakening EUR and USD, helping the cryptocurrency rally to beat every major currency, stock index and commodity contract since 2010.

The REAT Solution

REAT brings a revolutionary way for people to get access to investment opportunities using blockchain technology to allow for the fast, efficient and secure deals. By combining the potential with the borderless transaction capabilities of cryptocurrencies we want to build an authentic and genuine investment experience leveraging the power of Decentralized Finance and Blockchain while being backed by REAT a token secured by real world assets.

By leveraging our industry expertise, the power of blockchain and the potential of the seamless integration of cryptocurrency markets, REAT provides a safe, transparent and secure venue for all participants in the Real Estate Ecosystem to diversify their investment opportunities and capitalize on their wealth.

REAT allows a self-governing community leverage the power of blockchain to make deals.

All owners, participants and investors become beneficiaries of REAT.io real estate blockchain.

REAT is a smart contract technology and distributed accounting technology developed for the purpose of splitting real estate under REAT.io, which utilizes blockchain’s intrinsic advantages such as trustless mechanism, antitamper, co-supervision and traceability.

Through REAT’s smart contract, large real estate can be syndicated and distributed between individuals and financial institutions. In this way, the user will get the opportunity to invest small amounts of money and benefit from real estate, and ensures security and low risk of investment.

REAT.io offers a deal management process to asset owners, acting as a neutral agent for asset owners, private lenders and financial institutions so that both parties can search and make deals.

REAT connects all deal participants and provides a bridge between traditional banks, payment providers and modern blockchain digital asset exchanges to provide one frictionless experience to complete Real Asset Deals, Real Estate and other Assets too.

  • anyone can become a global real estate investor
  • Efficient marketplace for service professionals such as a Lawyers, Appraisers, Inspectors to receives rewards and positive reputation history when fulfilling their task via smart contracts
  • Reputation is everything. All participants are incentivized to be good participants or risk losing their stakes and being shunned from the community in future deals.


REAT Token

REAT Tokens are pre-mined Proof of Stake Tokens built on the ERC20 standard, they will represent a fractional investment through the REAT blockchain.

Technology Overview

The REAT contract is used for setting up an asset to create a physical tie to real world assets.

The contract asset can be secured against a hard asset such as a property.

Each contract sets up its own token specific to the real estate in number of shares initialized by administrator of platform for REAT.

An elected address allows for the provider to select an administrator (lawyer or elected persons in designated country) to have access and have administration functions for individual assets.

The contract carries a function to create and set price for deal, amount of created shares as tokens.

Brokers login to platform to create the individual deal which uses a blockchain backend to create the contract for use, uploading information relative for the deal, asking price.

Users with cryptocurrency can create an account to view deals and provide cryptocurrency to fund account for individual deals. Deals can be funded in fiat after deal has been approved and provider has been selected for the syndicate mortgage.

The account will allow users to view current platform deals, information about the individuals apply for the mortgage for the asset.

The administration of the contract will allow interest to be paid out in stable token or fiat to the individuals who each own shares of the registered asset mortgage on the platform, given out based on ownership per period.

The stable token can be exchanged into any other cryptocurrency through the exchange or into fiat currency through one of the many broker officers around the world.

Any user who lends to a mortgage on the platform can pull out at any time by selling out their tokens to other users without needing any administration to deal with changes.

A side chain will control Deeds for different jurisdictions that are on the platform such as Honduras. It will contain information on the lot, package and previous ownership information. This chain is immutable and is a guarantee of ownership records for each asset.

The chains can work together coupled in order to provide accuracy for asset ownership and mortgage together coupled as one.

In case of default of contract. Seizure process can be initiated by charge holder and administered by governing body. within the bounds of the contract using “SeizureFrom” method. This is controlled by the administrator and not REAT Platform.

REAT takes no stake/ownership however REAT takes a fee per deal transaction on the network.

REAT maintains to be just an information deal management platform, and an arbitrator to change, move or distribute assets in accordance to policy and contracts.

Stakeholder of mortgages can offerShares, buyShares and transferShares, of assets of which they are lending.

Blockchain overview and benefits

The main benefits of the adoption of REAT cryptocurrency payments in the traditional real estate investment market are: Speed processing.

In many countries, investment in real estate development can take more than a month. Where the purchase involves KYC and traditional loan application, this period can extend to several months. These timelines exclude the buyer’s search for an asset on the market. It takes extended periods to finalize transactions because of the processes involved in collecting, verifying and authenticating documentations from different databases.

REAT blockchain increases market reach and reduces time and costs in funding deals.

Leveraging our hybrid governance and autonomous smart contract system transactions are transparent and fast. This results in reduced the costs and time.

REAT facilitates the capitalization of the vast cryptocurrency wealth by introducing it into an already existing and fully developed business model, thus enabling quicker, safer transfer of capital and investment in tangible real assets with a established ROI market. This innovative model will allow for the democratization of the uses of cryptocurrency, taking it out of the blockchain and facilitating its integration with existing, high valuation markets. By taking blockchain’s underlying fund technology and moving it into the ‘real world’, REAT is allowing for the movement of money through the blockchain to make it more mainstream and increase liquidity between traditional FIAT and financial systems and the cryptocurrency world.

Traditionally, only large asset packages were able to achieve the purpose of securitization of real estate assets through the means of REITs. REAT draws from traditional real estate investment tools, such as REITs, where the asset holders can through early audit, risk control, and prediction of asset package income by the third party, rapidly trade the real estate asset’s ownership, financing and income rights. REAT offers the following advantages:

  • REAT it makes real estate investment downsizing dynamic and transparent.
  • information is transparent.
  • fragmentizes large assets.
  • Make real estate investment downsizing dynamic and transparent.
  • Easy syndication of largescale transactions
  • fully supports the process of digitization of real estate ownership and financing
  • High transaction convenience.
  • improve product liquidity and cash-ability.
  • Information transparency. All transaction records are detailed through the blockchain, and the books can be consulted upon authorization to make the entire transaction chain clear, including details of asset operations, which can also be placed on the REAT platform to ensure information transparency through the use of designated governance and smart contract
  • distributed records stored on the blockchain. This ensures transparency and clarity on investment returns, resulting in safer and securer assets.
  • fragmentize relatively small property rights, and shorten the listing cycle.
  • housing assets easier and simpler. Using the blockchain technology, assets can be changed into digital assets quickly.
  • traditional real estate investment tools, such as REITs, need a large number of listed properties in advance with substantial management costs
  • all property rights shall be conducted under the asset’s local jurisdiction, laws and currency
  • specifics of the property (such as real estate address, area, property right period and other relevant conditions), the sale of real estate, whether share repurchase in a certain period of time, valid duration of the subscription and annual effective yield are recorded in the REAT blockchain and managed as per the smart contract
  • financial institutions can register on the REAT underwriting platform, find suitable assets and underwrite shares with REAT tokens.  After the completion of underwriting, financial institution can generate many sub-products from its original shares, release on its own platform and / or show it to users on the display portal of REAT as smart contracts.
  • Each property and product can have smart contracts which users can subscribe to based on their investment interest
  • Property use right will be recorded in the form of a blockchain token, and could be either consumed by the token holder, or preserved for store of value. Each token will be transferable (subject to terms and conditions at the time of issuance) through our distributed ledger network. The specific business process diagram is as follows

REAT Blockchain and LAND TITLE REGISTRATIONS