Financing your investment home on Ethereum

We enable you to finance the purchase of an NFT tokenized real-world property, with as little as 20% down.

Launch app

We partnered with Roofstock to support two-year loans for real-world investment properties.

How it works

Submit application

Fill out and submit the “Apply for a loan” form in USDC homes.

Send loan documents

You will receive an email with instructions to send your credit report and other relevant documents.

Pay underwriter fee

After sending the documents, we will share you the underwriter’s wallet address to pay for the fee.

Start assesment

The underwriter creates a report, if positive, you will receive your loan terms and be added to USDC Homes pool.

How it works

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Available properties

All properties shown are for investment purposes only.

198,000 USDC

Columbia, South Carolina

New properties

coming soon

A perfect fit for those who...

Buy

Want to buy an investment home using crypto.

Save

Have most of their funds in crypto.

Invest

Want to invest in residential property.

Earn

Earn a living with crypto.

Why get an on-chain home loan?

Crypto assets

Use your crypto assets to purchase real-world assets without having to sell your crypto.

One-time fee

1 underwriter assesment, transparent. Multiple LPs opportunities. Access many LPs.

Collateral crypto

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What is USDC homes?

Marketplace for home buyers

USDC Homes is a DeFi marketplace for home buyers to attain crypto native financing.

Identity and credit verification

Underwriters and data providers verify your identity and creditworthiness for lenders.

Liquidity providers lend to pool

Liquidity providers can lend to home buyers through the USDC Homes pool on Teller protocol.

To make this happen we partnered with Roofstock

Why get an on-chain investment home loan?

Crypto assets

Use your crypto assets to purchase real-world assets without having to sell your crypto.

One-time fee

Get a one-time underwriter assement to access multiple pool opportunities.

No middleman

Skip the middleman with a transparent, on-chain process.

What is USDC Homes?

Marketplace for investment home buyers

USDC Homes is a DeFi marketplace for investment home buyers to attain crypto native financing.

Identity and credit verification

Underwriters and data providers verify your identity and creditworthiness for lenders.

Liquidity providers lend to pool

Liquidity providers can lend to investment home buyers through the USDC Homes pool on Teller protocol.

What is Roofstock?

Real World NFTs

Roofstock is launching the first on-chain NFT legally connected to a real-world LLC.

Backed by an LLC

This LLC is 100% the owner of the real-world property.

On-chain loans

Applicants can seek a loan for up to 80% LTV. A single lender on-chain will fund the loan.

Frequently asked questions

What happens if the borrower defaults and the lender has not received the repayment in entirety?

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The borrowers are considered to have defaulted on the loan if they miss the loan payments for 3 consecutive months. In this case, the NFT will be transferred from the multi-sig to the lender’s private wallet.

The multi-sig wallet would require 2 out of 3 owners (borrower, pool owner & lender) to sign the transaction. After the transaction, the lender will have the complete ownership of the NFT and thus, the home property. The lender can decide whether to continue to own the property or sell it to another buyer.

How can the lender be assured that the LLC owner cannot change ownership of title?

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The LLC owner is the wallet that has access to the NFT through a private key of the member wallet address. In this use case, the member wallet address is a MultiSig wallet.

The lender is a co-owner of this multi-sig wallet, which gives them full transparency over the LLC assets. For any change to implement on the assets or NFTs stored in the MultiSigWallet, lender’s approval will be required.

How can the lender be assured that the LLC will ultimately own title to the property?

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The Rightful owner of the LLC (NFT) possesses the private key of a MultiSigWallet (as per LLC Agreement), to which the lender also has access to. Any changes in the ownership of LLC and, henceforth, the property cannot be completed without the lender’s approval.

The LLC in Wyoming is incorporated in such a manner that the changes to the ownership between LLC & the property are prohibited.

How can the lender attain a current value estimate of the property?

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Lenders can check Zillow, one of America’s top tech real-estate marketplace, to learn about the estimated value of the properties listed on Roofstock onChain marketplace. For example, the estimated value property in Columbia, South Carolina we discussed above can be found here.

How is the interest rate of the loan determined?

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Loan terms are determined mutually between the borrower who submits a loan request and the lender who is willing to accept the terms. There will be multiple borrowers & lenders in the marketplace looking for terms that would be acceptable for both parties.

Like the bid and ask orders in the orderbooks meet, the transaction takes place whenever the lender and borrower agree with each other on the terms.

Still have questions? Check the help center or email us at Support@Example.com

Frequently Asked Questions

How to transaction fees work?

MemberStack charges a flat transaction fee of 10% on the Startup plan and 3% on the Pro plan, and 1% on the Scale plan. Stripe charges an additional credit card processing fee that depends on a few different factors. See Stripe's pricing for more details.

What can I protect with MemberStack?

We’re working on a content management system that would make it possible to store anything securely on any website. Although, it’ll be a few months before something like this is ready (01/2019). Until then, MemberStack protects pages and content on those pages using redirects. They can't be "turned off" from a browser, but there are ways to access the HTML of a page if you know what you're looking for, and what you're doing. Therefor, we don't recommend using MemberStack to protect highly sensitive information.

Who should apply for the Startup Plan?

Pre-revenue companies, students, and other folks who can't (yet) afford the $25/mo fee. We've been there, so we're happy to work with you. 

Warning! Not everyone is accepted into our Startup plan.

How do I get the money I earn through MemberStack?

Stripe! A stripe account is required to use MemberStack and receive payouts. Money you earn will be transferred directly into your bank account.

Do you have a free trial?

We sure do! Test MemberStack for as long as you need without entering your credit card. While you're in a free trial you're unable to invite more than 1 client or staff,  connect a stripe account, and allow more than 5 users to sign up for a free membership.

Do you offer discounts for students or nonprofits?

We do not offer any discounts for students or nonprofits at this time. However, We do offer a 10% recurring discount to any websites that include our logo and link on sign up and login pages. You're also welcome to apply to our Startup program if you're unable to afford the $25/mo plan.

Is there someone I can talk to about my project?

Absolutely! You can reach us via he chat widget in the bottom right corner, or by email. Try team@memberstack.io. We're happy to help!

Does MemberStack have an API?

We sure do! Please contact engineering@memberstack.io for more information.