- Originator
- Underwriter
- Warehouse lender
- Aggregator
- Sponsor / SPV
- Investor
- Originator
- OWN asset railRecord · verification · ownership · settlement
- Investor
Originators
The mortgage lifecycle.Tokenized.
OWN turns every mortgage into a tokenized yield asset - from origination through payoff. Real-time loan health, compliant settlement, and on-chain liquidity rails that replace the mortgage-backed securities pipeline.
Efficiency at scale
Scale the savings.
$216K average mortgage × 50 bps× selected annual loan volumePre-release estimate; results vary.
Every stage - one tokenized record
- 01
Originate
Structure and issue the mortgage as a tokenized deed. Terms, parties, and obligations encoded on-chain.
- 02
Service
Track payments, monitor loan health, and manage escrow in real time. No batch processing, no reporting lag.
- 03
Settle
Programmable settlement and compliant liquidation processes - automated, auditable, enforceable.
- 04
Sell
Tap into on-chain liquidity rails. Sell positions instantly - no securitization pipeline, no 60-day warehouse cycle.
Operating impact
Operating impact
Pre-release savings estimate50 bps
Assumes a $216K average mortgage. That is approximately $1,080 of customer savings per originated loan.
Faster time to close~93%
Automated underwriting and programmable settlement. Days instead of months.
Loan health & auditability100%
Payment status, collateral value, and compliance events - one coherent data layer, verifiable at any time, by any party.
Own the MBS pipeline.
Replace the intermediary stack between mortgage origination and capital. Keep the borrower relationship and your business.
Intermediary reduced or bypassed
Traditional roleOWN routeWho sits between the originator and investor today.
- Warehouse lender
- Traditional roleBridges funding until loans are sold.
- OWN routeCommitted capital can be drawn as eligible loans close, reducing warehouse dependency.
- Loan aggregator / pooling desk
- Traditional rolePurchases, standardizes, and pools loans for securitization.
- OWN routeEach eligible loan can be issued and distributed as a loan-level asset.
- Document custodian / vault
- Traditional roleMaintains authoritative files and supports collateral review.
- OWN routeA shared verifiable record reduces separate vault and review vendors.
- Securitization sponsor / SPV
- Traditional roleTransfers pooled loans into a security-issuing vehicle.
- OWN routeDirect loan positions can bypass pool-to-security packaging where permitted.
- Broker-dealer / underwriter
- Traditional roleStructures and places mortgage-backed securities.
- OWN routeApproved capital partners can access loan positions directly where permitted.
- Separate registry / transfer agent
- Traditional roleMaintains ownership records and coordinates transfers.
- OWN routeProgrammable ownership records consolidate registry and transfer workflows.
Illustrative pre-release model. Roles are reduced or bypassed only where the legal, regulatory, and transaction structure permits. Required servicing, compliance, custody, and capital-market roles remain.
Get a head start on onchain lending.
Help shape the infrastructure around your workflow - and bring new funding rails to your customers.