The house.com project has been positioned since its inception as a global real estate blockchain transaction cloud platform. I-house.com focuses on integrating the global real estate trading market through blockchain mechanisms. By linking blockchain mechanisms with real estate, connecting property developers with financial institutions and their users, it incorporates real estate transactions into the global "digital credit society" framework, and leverages the crucial supporting role of real estate transactions in economic development. This ensures that all real estate owners and investors benefit from the real estate blockchain mechanism of i-house.com.
IHT is a smart contract technology and distributed ledger technology developed under the i-house.com project specifically for the fractionalization of real estate. It utilizes the inherent advantages of blockchain such as trustless mechanisms, tamper-proofing, transparency, shared regulation, and traceability. Through IHT smart contracts, large-scale real estate can be fractionated and allocated to financial institutions, thereby providing users with the opportunity to invest and benefit from real estate with small capital, while ensuring the safety and low risk of investments.
IHT1.0 service is positioned as PaaS (Protocol-as-a-Service), providing platform services for asset owners ATO (Asset Token Offering) issuance, and offering a platform for assets and financial institutions to discover and transact with each other. At the same time, IHT will continue to operate and develop, moving towards BaaS (Blockchain as a Service) 2.0, constructing a mobile information application platform for asset fractionalization and management for financial institutions. The ultimate form 3.0 will evolve into a financial exchange based on physical assets, enhancing the liquidity of physical assets.
IHT draws inspiration from traditional real estate investment tools like REITs, allowing asset holders to quickly trade real estate ownership and income rights after preliminary third-party audits, risk control, and asset package earnings estimates. Through this process, the following benefits can be realized.
Wallet Composition
The wallet primarily consists of two parts: cash and IHT.
a) Cash is mainly obtained through recharges and capital recycling after ATO; b) IHT is mainly acquired through subscription by users, purchased from other users, or bought from the IHT pool on the IHT platform.
Real Estate Developers Initiate ATO (Asset Token Offering) on the IHT Platform
After obtaining qualification certification on the IHT platform, real estate developers gain the authority to issue ATOs. When issuing an ATO, developers must specify details about the property (such as address, size, term of ownership, etc.), the portion of the property being sold, whether repurchase within a certain period is available, the validity period of the subscription, and the annual yield per year. After determining the share, developers need to use IHT from their wallets to pay the corresponding fee for the share split before officially launching the ATO.
How Financial Institutions Underwrite ATO Assets on the IHT Platform
After registering on the IHT platform, financial institutions can find suitable assets through screening and viewing categories on the IHT underwriting platform. By paying 1 IHT, they can underwrite part of the shares of a specific ATO. After confirming the underwriting, financial institutions can bundle the underwritten shares into several sub-products, publish them on their own platforms, and have a display entry point on the IHT platform for various users to view.
How Investors Purchase ATO Assets
After financial institutions release subproducts on their own platforms, investor users can purchase through the sales entrance of the financial institution or through the IHT platform, which recommends corresponding products based on the users personal interests and investment capabilities, redirecting to the financial institutions sales page for purchase. Through the ATO on the IHT platform, investors can obtain multiple benefits:
a) Investors can gain returns from the premium generated by the appreciation of real estate property rights through transactions on the financial institutions own platform;
b) Investors can earn from the premium generated by the appreciation of IHT through transactions in their wallets;
c) When initiating an ATO, real estate developers clearly state the annual yield corresponding to the property, and users receive the annual yield corresponding to the purchased share.
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