Capital partners

Mortgage-grade yield.Onchain.

Lend stablecoins into onchain mortgage contracts. Fixed rate, long duration, fully transparent. The oldest asset class in finance - rebuilt on programmable rails.

Target allocation$1M

Capital horizon10 years

Annual repayments

$136,258per yearTotal repaid$1,362,576

Illustrative fixed rate6.5%Fully amortizing

Promised rateActual 12m rateOWN fixed-rate 6.5%

Promised rate shows the advertised monthly point-in-time APY; actual 12m rate shows its trailing average. Years 6–10 blend the source base case with a deterministic variation of the first five years. Rates and fixed-rate repayments are illustrative only.

Full onchain transparency and real-time auditable claims.

All positions, LTV ratios, collateral balances, and margin events are verifiable onchain - 24/7, by anyone. No black-box servicing, no delayed reporting.

Full terms & risk mechanics

Denomination: USDC, USDT
Rate: Fixed for the life of the contract
Amortization: Interest-only or fully amortizing
Collateral: BTC, ETH, select liquid digital assets
Custody: Smart-contract escrow
Liquidation: Full collateral liquidation if borrower stops repaying
Margin call: Terms set per deal
Legal structure: Fully onchain or jurisdiction-specific wrapper

Yield sources

Now

Crypto-backed, fixed-rate, long-duration loans

Crypto holders borrow without selling their assets. OWN originates overcollateralized loans backed by liquid digital assets, monitored 24/7 with automated margin enforcement. This is the current product.

Tomorrow

Onchain standard mortgage deeds

Real-estate-backed retail mortgages - the traditional mortgage, issued and serviced as onchain contracts. Same fixed-rate yield, but collateralized by property instead of crypto. The infrastructure OWN builds today is the rail these mortgages will run on.

Where this sits

Treasury bills / money markets3.6–4.1% fixed4–52 weeksSovereignPublic

DeFi lending2–6.25% variablePerpetualDigital assetsOnchain

OWN long-duration loans6.5–11.7% fixed5–30 yearsDigital assets / real estateOnchain

Private credit funds9–10% mostly variable3–7 yearsCorporate / asset-backedQuarterly / limited

Indicative annualized ranges · Market references checked August 2026. Rates vary by maturity, utilization, network, vehicle, fees, and transaction terms.

Process

01
Diligence
We share the deal memo, financial model, and legal docs. You review structure and risk.
02
Commit & deploy
Allocate stablecoins to a lending facility. Capital is drawn as loans close. Yield accrues from day one.
03
Monitor
Live onchain dashboard - portfolio performance, LTV health, payments, margin events.

Lock in long-term, fixed-rate yield.

Explore a bespoke mandate built around long-duration, crypto-backed loans, scheduled repayments, and transparent terms.