March 26, 2025
Unlock Home Equity with … Crypto?
Dear Subscriber,
I’ve written about real world assets (RWAs) a few times now.
These are real, physical assets represented by crypto tokens. That means they can be traded and owned on the blockchain. They open up entire new sectors to crypto investors … and bring crypto investing to TradFi markets.
Now I’m not focusing on RWAs for lack of other topics.
It’s because I believe this sector is set to be a major focus of blockchain investment over the coming 12-24 months.
And that’s not just my outlook.
A recent EY-Parthenon and Coinbase survey showed that 61% of funds expressed interest in investing in alternative funds on the blockchain. That includes private equity, private credit and real estate.
While it’s unclear who the outright winners will be, there’s clearly significant potential for growth across the sector.
Which is why I’ve been breaking down the RWA projects that have caught my eye.
The RWA sector is sizeable, and if you want to get exposure, you’ll want to target the projects that have the most potential for future growth.
We’ve already discussed projects like Ondo Global Markets (ONDO, Not Yet Rated) and Plume Network (PLUME, “C-”), the latter of which has increased over 90% since I wrote about it.
Now, I have another RWA play for your watchlist.
Manifest Finance
Owning a home is often seen as a fundamental step toward financial stability.
But did you know there’s an innovative way to access your home’s value without traditional loans or selling?
Welcome to Manifest Finance, a groundbreaking platform that leverages blockchain technology to simplify accessing and investing in home equity.
Imagine a platform that seamlessly connects homeowners who want to access cash from their home’s value … with investors looking for secure and predictable returns.
Manifest Finance does exactly this using something called home equity investments (HEIs).
Unlike traditional mortgages or home equity loans, HEIs let homeowners unlock equity without incurring debt or monthly payments.
Instead, homeowners agree to share a percentage of their home’s future value for cash now.
How HEIs Work
Let’s simplify things with an example …
Suppose your house is worth $500,000, and your outstanding mortgage balance is $250,000.
That leaves you with $250,000 in equity.
Manifest allows you to access part of this equity by selling a share of your home’s potential appreciation to investors.
You receive immediate cash with no interest charges or monthly repayments. And Manifest benefits when your home increases in value, receiving its returns when the property is sold or refinanced.
But wait! What if the housing market declines?
That’s where HEIs shine. They uniquely distribute risk between homeowners and investors.
If home values decrease, the investors also share the loss. This approach is more balanced compared to traditional loans, where homeowners typically shoulder all the risks of falling home prices.
Manifests’ USH Token: A New Way to Invest
If you want to become a Manifest investor, you’ll need the USH token.
Now this crypto has not yet been released. (That means any token claiming to be associated with Manifest right now is fake. Stay vigilant and wait for official announcements.)
That said, it is one you’ll want to watch out for.
It’s designed to simplify investing in home equity markets. By purchasing USH tokens, investors gain indirect exposure to a diversified portfolio of HEIs.
It’s comparable to buying shares in a specialized real estate fund.
These tokens target a compelling annual return of around 13%, based on the anticipated appreciation of homes in the investment pool. Though, of course, time and the realities of the market will test whether those projections prove true.
The returns are generated when homeowners sell or refinance their homes and share the profits from increased home values.
But as a token holder, you won’t have to worry about the details. Manifest will handle all the complexities, so investors can earn returns without direct involvement in real estate management.
Safety, Compliance and Support
Naturally, investor safety is paramount in a project like this. That’s why Manifest ensures that all investments are held securely in a bankruptcy-remote structure.
This means that your assets remain protected, even if Manifest experiences financial difficulties.
Additionally, Manifest adheres strictly to regulatory standards to provide additional peace of mind.
This also works in its favor when you consider the U.S. government’s renewed push for regulation.
And it even helped Manifest secure $2.5 million in funding from a pre-seed fundraising round.
Investors include notable names like VanEck, Lattice Fund, CompoundVC and SALT Conference.
This funding will support the upcoming launch of the USH token and new decentralized finance (DeFi) integrations.
These innovations aim to make institutional-grade U.S. real estate accessible worldwide in under 30 seconds.
And it means that, for the first time, U.S. real estate will be packaged in a form that can reach $3 trillion in on-chain capital without friction.
This could unlock a massive new market for stablecoin holders and RWA investors.
Final Thoughts
By integrating blockchain technology with tangible real estate assets, Manifest Finance is revolutionizing home equity investments to make them easier, safer and potentially more rewarding for everyone involved.
Whether you’re a homeowner seeking financial flexibility without debt …
An investor looking for secure, real estate-based returns with reduced complexity …
Or an RWA enthusiast interested in the future of this exciting sector …
Manifest Finance presents an innovative and accessible opportunity.
If you fit any of those categories, I encourage you to keep an eye on this project. I know I will, and I’ll let you know when the USH token is set to launch.
Best,
Mark Gough
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