The Crypto-Native Real Estate App
Property search + crypto lending + tokenization platform
The Problem
Crypto Wealth Locked Out of Real Estate
- 50M+ crypto holders in US - But only 1% use crypto for home purchases
- Forced liquidation - Must convert crypto to cash, losing value and time
- Traditional lenders don't accept crypto - Asset not recognized as collateral
- 20% down payment barriers - High cash requirements exclude crypto millionaires
- 60+ day approval processes - Hot properties gone before approval
$2.3T in crypto wealth seeking real estate access
Crypto holders forced into inefficient liquidation to participate in housing market
Solution
Complete crypto-native real estate platform with integrated financing
Core Solution
🏦 P2P Lending Marketplace
Connect crypto holders with real estate buyers
💰 Crypto Collateral Loans
BTC, ETH, USDC accepted as collateral
⚡ 50-60% Faster Closings
Skip loan underwriting: 20-25 days vs 45-60 traditional
Traditional vs HomeSwap
Speed + Savings + Revenue
50-60% faster closings + $12.5K+ savings per $500K home
Tokenization enables guaranteed funding → eliminates financing delays
Platform Features & Technology Stack
Core Platform Features
- Smart Contract Escrow: Guaranteed funding eliminates 15-30 day loan approval delays
- Multi-Currency Support: BTC, ETH, USDC payments with real-time conversion
- Property Tokenization: 10,000 tokens per property → trading revenue + pre-commitment buying
- Mobile-First Design: Native Android app with iOS planned
Additional Services
- P2P Lending Marketplace: Connect crypto holders with alternative financing
- AI Property Assistant: GPT-4o-mini powered property analysis and recommendations
- Integrated Property Search: MLS integration with crypto-friendly filters
- Legal & Compliance: Built-in KYC/AML and regulatory compliance
Development Status & Market Validation
Core Features Ready
Investment Ready
MO, FL Pilot
Low Execution Risk: Platform Nearly Complete
Technical De-Risking Complete
Demo video: homeswap.tech/#demo
GitHub Repository: Complete platform codebase
Platform Status: 90% MVP complete
Market Research: Crypto holder interviews completed
Smart Contracts: Core escrow & tokenization built
Mobile App: Native Android ready for testing
Competitive Analysis
Feature Comparison Matrix
| Feature | HomeSwap | Propy | RealT | Zillow | Better.com | Rocket |
|---|---|---|---|---|---|---|
| Crypto Collateral Loans | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| P2P Lending Marketplace | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Property Tokenization | ✓ | ✓ | ✓ | ✗ | ✗ | ✗ |
| Mobile-First Design | ✓ | ✓ | ✗ | ✓ | ✓ | ✓ |
| Full Property Search | ✓ | ✓ | ✗ | ✓ | ✗ | ✗ |
Propy's Limitations
• Focuses on blockchain title transfers only
• No lending or financing options
• Limited US presence
• Complex user experience
RealT's Focus
• Fractional ownership only
• No full property purchases
• Limited to investment properties
• No lending marketplace
Traditional Players' Constraints
• No crypto integration
• Slow adoption of blockchain
• Legacy systems limit innovation
• No tokenization capabilities
Our Advantage: Complete Crypto-Native Solution
Platform combining crypto lending, P2P marketplace, tokenization, and traditional real estate in one mobile-first experience
Market Opportunity
Global crypto market cap (CoinMarketCap 2024)
20% actively seeking real estate investment
1% early adopter penetration (Years 1-3)
Market Drivers
Federal Crypto Backing
FHFA orders Fannie Mae/Freddie Mac crypto acceptance
GENIUS Act Passed
Senate passes stablecoin framework 68-30 (bipartisan)
Mass Adoption Ready
Regulatory clarity removes institutional barriers
Go-to-Market Strategy
Phase 1: High-Value Launch (Q4 2025)
• Partner with private wealth advisors
• Sponsor crypto conferences & Reddit AMAs
• White-glove onboarding ($500K+ properties)
• Target: 10-20 transactions = $75K revenue
Phase 2: Scale Through Agents (Q2 2026)
• Train agents on crypto transactions
• 0.25% referral fees (vs 3% traditional)
• Focus on TX, FL, WY (crypto-friendly states)
• Target: 100+ transactions/month
AI Integration
Currently Implemented
Auto-generate descriptions, pricing, market analysis
100-point similarity scoring algorithm
Multi-source data analysis smart contract
Integrated customer support and property assistance
AI Roadmap (Next 6 Months)
Property photo analysis, condition assessment
Live blockchain deployment with real market data
Price predictions, market timing, ROI forecasting
Automated loan default risk scoring
AI + Tokenization = Unique Data Advantage
Property tokenization creates rich datasets for ML model training that competitors can't match
First platform to combine AI intelligence with blockchain transparency
Revenue Model & Unit Economics
Revenue Streams
Unit Economics
5-Year Financial Projections
Diversified Revenue Growth ($M)
Multi-Stream Revenue Growth: Lending + Tokenization + SaaS + Liquidity
(50 properties)
(150 properties)
(300 properties)
(500 properties)
(750 properties)
8+ revenue streams each
(Year 5 annual)
(80% net margin)
Market Positioning
Modernizing Real Estate for Crypto Wealth
Traditional systems exclude crypto holders from property ownership
We're enabling a new generation of buyers to participate in real estate
Traditional Market (Established)
Billions in funding, massive market share
Bank-verified income, 30-year mortgages
Manual underwriting, paper-heavy
Regulatory constraints prevent crypto integration
Crypto Market (Underserved)
Early stage, huge opportunity
Non-traditional income, asset-rich
Skip 15-30 day loan underwriting bottleneck
Built for regulatory clarity era
Why Traditional Players Won't Enter Our Market
Mortgage divisions don't accept crypto collateral
Integrating crypto would require expensive license modifications
Built for W-2 income verification, not crypto wealth assessment
Perfect Timing: Market Size vs Competition
$3.7T crypto market growing • 28% of Americans own crypto • Traditional players lack crypto integration
We're building the infrastructure for a massive underserved market
Risk Mitigation
Regulatory Strategy
• P2P lending marketplace (regulated as broker)
• Cash purchases with crypto collateral
• Real estate broker partnerships
• MO, FL lending licenses
• NMLS registration for mortgage facilitation
• ~$75K per state for P2P lending compliance
• Multi-state lending operations
• SEC registration for security tokens
• Scale to crypto-friendly states first
Technical Risk Management
• $25K audit before mainnet
• Bug bounty program
• Upgradeable proxy pattern
• FDIC-insured escrow accounts
• Multi-sig treasury management
• Insurance partnerships
• Top crypto law firm engaged
• Terms reviewed by SEC counsel
• State-by-state compliance
Team
Ryan Cartwright
Founder & CEO
Mobile Device Engineer at Samsung turned solo entrepreneur. Been building Android apps independently since 2010. Spent the last 12 months turning this idea into a working platform.
Kelcie Stewart
Co-Founder & COO
Operations & Strategic Partnerships specialist with extensive network expertise. Brings operational experience and strategic partnerships to scale HomeSwap's vision.
Advisory Board (Being Recruited)
Fintech Executive
- Former VP at crypto lending platform
- Regulatory compliance expertise
- P2P lending experience
- Series A+ fundraising
Real Estate Professional
- Licensed broker with tech background
- MLS integration experience
- Property tokenization knowledge
- Agent network connections
Former Regulator
- Ex-NMLS/state banking official
- Lending license navigation
- Multi-state compliance
- Government relations
Advisory Compensation
0.5-1% equity each • $500/month cash (post-funding) • Board observer rights
Why Now?
Regulatory Momentum Building
FHFA Decision 2025-360: Crypto asset acceptance for mortgages
- Pulte (FHFA Director) ordered crypto mortgage framework
- Senate GENIUS Act passed 68-30 (stablecoin framework)
- Growing institutional acceptance
✅ Federal Approval
FHFA orders crypto mortgage acceptance
✅ Senate GENIUS Act
Passed 68-30 (bipartisan)
✅ Massive Untapped Market
Crypto real estate transactions remain a small fraction of total market
✅ First-Mover Ready
90% MVP complete, launch Q4
The Opportunity
Be the bridge between $3.7T crypto wealth and real estate
The Ask
$150K Pre-Seed Round
Immediate Milestones
- Missouri P2P lending license (fully funded)
- Add full-time developer + compliance expert
- Alpha launch with proper compliance (Q1 2026)
- First 20-30 transactions with legal framework
Use of $150K Pre-Seed Funds
Legal & Compliance
- Missouri P2P lending license ($10-20K)
- NMLS registration & setup ($3-7K)
- Smart contract security audit ($10-20K)
- Legal counsel & compliance ($50-60K)
Team Scaling
- Part-time developer ($30K for 6 months)
- Compliance consultant ($15K for 6 months)
Launch & Operations
- Production deployment ($5K)
- Security infrastructure ($5K)
- Alpha user onboarding ($5K)
Ready to Transform Real Estate?
Join us at the perfect regulatory inflection point
Data Sources & Verification:
Market Data: $3.7T crypto market cap (CoinMarketCap Dec 2024), 28% American crypto ownership (Security.org 2025), 12% first-time buyers use crypto (Redfin)
Regulatory: FHFA crypto directive verified (June 2025), crypto real estate market share (Chicago Agent Magazine 2024)
Cost Estimates: Based on industry research and official state fee schedules. Missouri Division of Finance (finance.mo.gov), NMLS fee structures, smart contract audit market analysis (BlockApex, Ulam Labs 2024)
Competitive Analysis: Based on public company information from Propy.com, RealT.co, and official platform documentation