Fixed-rate
Your rate is locked at origination. Multi-year duration by design.
Keep your crypto.
Buy a home.
A crypto-backed long-duration loan. Fixed-rate, tokenized, crowdsourced. For individuals and communities.
Tokenized by default
Every position lives onchain - auditable, transferable, DeFi-native.
Crowdsourced
Funded by community lenders and liquidity providers. No single institution.
Fully composable
Positions integrate natively with the rest of DeFi.
No instant liquidation
Mortgage-like structure and handling. Long-term duration - not margin call exposure.
Annual liquidation protection soonHow it works
YouOWN
- Sign up
Tell us your story - what you hold, what you need, and what you're working toward.
- Evaluation
AI agents assess your profile and surface achievable terms.
- Crowdloan setup
We structure a crowdloan deal and open it to the lender network.
- Funded & onchain
Lenders commit, collateral is escrowed on OWN, position is tokenized.
LeverageReal utility
Variable rateFixed rate
Short-termMulti-year duration
Instant liquidationOnly if you don’t repay
Non-transferableTokenized & composable
Case studies
Livemortgage.ownlabs.co
The first live DeFi mortgage, built on OWN.
Coming soonMore on the way
New borrowers are onboarding. Their stories will appear here.
Frequently asked questions
What is a DeFi mortgage?
A crypto-backed, long-duration loan built on pure DeFi mechanics - fixed-rate, tokenized, and composable with the rest of DeFi. Not a bank product.
What does 'tokenized by default' mean?
Every loan position is represented onchain as a token - auditable, transferable, and natively composable with other DeFi protocols.
Who funds the loans?
The community. Lenders and liquidity providers participate directly onchain. No single institutional funder - crowdsourced capital routed through the protocol.
What collateral is supported?
Blue-chip digital assets. Final eligibility depends on current program parameters.
How is this different from Aave or Compound?
OWN is built for long-term utility - multi-year duration, fixed-rate, structured like a mortgage. Aave-style protocols are variable-rate short-term leverage with instant liquidation risk.
Are there instant liquidations?
No. The structure is designed to avoid instant liquidation risk. Risk handling depends on agreed terms - review the security page and discuss your case with OWN.
Which jurisdictions?
We're open to all non-sanctioned jurisdictions and happy to work on any case. Reach out and we'll figure it out together.
Send us a message and we'll take it from there.
hello@ownlabs.co