Your rate is locked at origination. Multi-year duration by design.
Borrowers
Keep your crypto.Buy a home.
A crypto-backed long-duration loan. Fixed-rate, tokenized, crowdsourced. For individuals and communities.
Structure sketch
Shape an .
Set a rough loan size and repayment horizon to see the structure at a glance.
Built for resilience, not leverage.
Every position lives onchain - auditable, transferable, DeFi-native.
Funded by community lenders and liquidity providers. No single institution.
Positions integrate natively with the rest of DeFi.
Mortgage-like structure and long-term handling designed to reduce instant liquidation and margin-call exposure. Annual liquidation protection is coming soon.
Stage 1 - loan flow
Workflow
- 01Sign up
Tell us your story - what you hold, what you need, and what you're working toward.
- 02Evaluation
AI agents assess your profile and surface achievable terms.
- 03Crowdloan setup
We structure a crowdloan deal and open it to the lender network.
- 04Funded & onchain
Lenders commit, collateral is escrowed on OWN, position is tokenized.
How OWN differs
Unpredictable rateFixed rate
Short-termMulti-year duration
LeverageReal utility
Instant liquidationOnly if you don’t repay
Non-transferableTokenized & composable
Case studies
Case studypilot.own.casaComing soonMore on the way
An Owngage built on OWN.
New borrowers are onboarding. Their stories will appear here.
Frequently asked questions
What is an Owngage?
A long-duration, crypto-collateralized loan with installment repayments - similar to a mortgage, but backed entirely by crypto assets instead of a house deed.
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.
Borrow with peace of mind.
Structure a bespoke, long-duration loan with predictable repayments - without selling the assets you hold.