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.
Request deal memoTerm sheet
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 on-chain or jurisdiction-specific wrapper
Full on-chain transparency and real-time auditable claims. All positions, LTV ratios, collateral balances, and margin events are verifiable on-chain - 24/7, by anyone. No black-box servicing, no delayed reporting.
Yield sources
Digital-asset-backed mortgages
Crypto holders who need mortgages but won't sell their assets. OWN originates fixed-rate mortgage contracts collateralized by liquid digital assets - overcollateralized, monitored 24/7, with automated margin enforcement. This is the live product today.
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.
Context
Where this sits
Process
Diligence
We share the deal memo, financial model, and legal docs. You review structure and risk.
Commit & deploy
Allocate stablecoins to a lending facility. Capital is drawn as loans close. Yield accrues from day one.
Monitor
Live on-chain dashboard - portfolio performance, LTV health, payments, margin events.
Interested in the deal memo?
hello@ownlabs.co