Your Home Is Your Collateral.
The Bank Is Optional.
Traditional lenders take months and demand perfect credit. Hard money charges 15%. We built something better — asset-based borrowing powered by DeFi. Your equity is your guard dog. We just unblock it — fair, transparent, on-chain.
See What You Could Unlock
Configure all 3 axes — verification, breathing room, and recovery right. No credit check required.
How your position performs over time
At Florida's average ~3-5% home appreciation, your position improves automatically — no payments needed.
Free. No credit check. Instant ATTOM AVM result.
THE ARCHITECTURE
Three Axes. Your Configuration.
Every UnblockEquity product uses Tokenized Lien Collateral — a county-recorded junior lien, tokenized on-chain, used to borrow USDC. You configure three things.
Credit Verification
More proof = lower rate
Breathing Room
Optional for current, required for delinquent
Recovery Right
Junior lien recorded at county
Opt-in foreclosure right
More recovery = higher LTV
product combos viable for depositors
THE FOUNDATION — EVERY COMBINATION USES THIS
Tokenized Lien Collateral™ — one legal backbone, 24 configurations.
You choose how much to borrow. All your equity is tokenized as collateral from day one, but you control the borrow amount via a slider — not forced to the max. At most borrow levels, Florida’s 3–5% annual home appreciation outpaces the ~4% Morpho interest, making positions self-sustaining with no action required.
The more you prove, the less you pay. But you never have to prove anything.
CONFIGURE YOUR BORROW
Your Equity. Your Terms.
Every path uses the same Tokenized Lien Collateral backbone. Pick your verification, breathing room, and recovery right.
Axis 1 — Verification level
Axis 2 — Breathing Room (optional)
Mandatory for delinquent borrowers. Optional for current ones. Longer relief = better depositor protection.
Axis 3 — Recovery right
Lien-only is the default (current product). Foreclosure opt-in grants higher LTV in exchange for lender foreclosure rights.
Your terms
Pure asset-based lending. Your home qualifies you.
Example: $200K borrow
Interest accrues continuously (~4% APY variable) — repay any amount, any time, or settle at sale, refinance, or maturity.
Free. See your personalized terms in seconds.
FOUR STEPS
Address to USDC. No Bank.
Turn your real estate equity into liquid USDC through DeFi. Same-day funding.
Enter Your Address
Free instant valuation via ATTOM AVM. See how much equity you can access.
Choose & Apply
Pick your 3-axis configuration. Pay $199 processing + $349 doc gen fee.
Sign & Tokenize
E-sign your agreement. Equity tokenized on-chain as collateral on Base L2.
Borrow & Record
Borrow USDC via DeFi. We record the junior lien at the county after funding.
FOUR WAYS TO PARTICIPATE
Borrow. Buy. Sell. Earn.
Everything home equity in one place. Start with Borrow — the fastest path to liquidity.
Borrow
Borrow USDC against your real estate equity via DeFi lending on Base. Configure 3 axes — verification, breathing room, and recovery right. LTV from 45% to 75%.
- Instant USDC via DeFi lending
- No fixed payment schedule
- Settle at sale, refi, or term end
Buy
Buy $1 blocks in specific properties you choose. Backed by county-recorded junior liens.
- Pick your exact properties
- Start from $1 per block
- Backed by county-recorded liens
Sell
List up to 20% of your home equity. Get paid as investors buy blocks. Keep your title.
- Keep your title and mortgage
- FL homestead stays protected
- No fixed payment schedule for investors
Institutional Capital
DeFi curators and capital providers earn target 5–7% net yield lending against US real estate. 23/24 product combos are depositor-viable. Deposit USDC into yield vaults on Base.
- USDC yield vaults on Base
- 5-7% target net yield on USDC
- US real estate collateral
PROVEN BY THE NUMBERS
The Math Works.
We built an actuarial loss model, backtested against 506,000 real CFPB HELOC denial records, and validated with federal foreclosure data. Here's what the numbers say.
During a 28-month Florida foreclosure, the homeowner gets $0. Meanwhile, the property appreciates $54K — enough to cover 16.8 months of mortgage payments. The house literally pays for its own rescue.
Read the full actuarial analysisUSDC Yield Vaults Are Live on Base
Tokenized lien collateral vaults across 24 product configurations. Target 5–7% net yield. Deposit USDC today.
THE DIFFERENCE
Why Not a HELOC?
Traditional lenders deny 40% of HELOC applicants and take 6-8 weeks even when they say yes. We see it differently — your equity is your collateral, and you choose how much to verify.
Traditional HELOC
High barriers
- ✕Credit score 680+ required
- ✕Full income verification
- ✕30-60 day approval process
- ✕Denied for any late payments
- ✕Variable interest rates
- ✕Monthly payment obligations
UnblockEquity
Equity-based, not credit-based
- Credit optional — you choose what to verify
- Valuation-based (ATTOM AVM)
- Same-day funding via DeFi
- 3 axes: verification, breathing room, recovery
- Residential, commercial & multi-family
- No fixed payment schedule — repay on your terms
BUILT ON TRUST
Proven Legal Framework
Point, Hometap, and Unlock have deployed $3B+ using the same junior lien model for residential. Our innovation: DeFi + blockchain transparency across all property types.
LAYER 1
County-Recorded
Junior liens filed at your county clerk's office
LAYER 2
FL Homestead Safe
No title transfer = keep all FL protections
LAYER 3
Base Blockchain
Coinbase L2 with open-source smart contracts
LAYER 4
ATTOM Valuations
Institutional-grade AVM property data
ROADMAP
Where We're Going
Three phases to unlock the full potential of home equity on-chain.
Phase 1: Borrow MVP
LIVE NOWBorrow USDC against your real estate equity via DeFi lending on Base. Three axes — verification, breathing room, recovery right — 24 product configurations. No fixed payment schedule. Florida launch.
Phase 2: Marketplace
Q2 2026Token transfers enabled for secondary liquidity. Investors can deposit into property-specific DeFi lending vaults. SEC-compliant offering structure.
Phase 3: Full DeFi
Q3 2026AMM trading pools, yield farming on lien tokens, and deep liquidity. Full DeFi composability for home equity as an asset class.
EXPANDING ASSET CLASSES
Unlock Equity From Any Property
Starting with residential. Expanding to commercial and multi-family. One platform for every property type.
Residential
Single-family homes, condos, townhomes
Unlock equity from your home without selling. Get cash in days, not months. You choose how much to verify.
- Instant USDC via DeFi lending on Base
- ATTOM AVM property valuation
- County-recorded junior lien
- FL homestead protections preserved
Commercial
Office buildings, retail centers, industrial
Unlock equity from commercial properties. Same lien tokenization, same speed, bigger deals. Patent pending.
- Office, retail, and industrial properties
- Higher equity thresholds
- Institutional-grade valuations
- Same DeFi infrastructure
Multi-Family & Mixed-Use
Apartment complexes, mixed residential/commercial
Multi-family and mixed-use properties. Tokenize rental income streams and unlock trapped equity at scale.
- Apartment buildings (5+ units)
- Mixed residential and commercial
- Rental income stream tokenization
- Portfolio-level equity access
Get Early Access to Commercial
Join the waitlist for commercial property equity unlocking. Be first in line when we expand beyond residential.
THE ALTERNATIVES
Not Another Wolf.
When traditional lenders say no, the only doors that open lead to predatory options. We built something better.
Hard Money
12-18% APR
Short terms, balloon payments, asset seizure on default
Foreclosure Rescue
Deed theft risk
Sign over your title for a fraction of your equity
Equity Strippers
40-60% of upside
Give away your appreciation forever. No way to buy back.
Cash-Out Refi
Requires perfect credit
Full re-underwriting, income verification, 45-60 day close
Your Equity, Unleashed: Risk Goes Down, Not Up
With Breathing Room™, your overdue mortgage payments are caught up immediately. Then 3–12 months of future payments are escrowed upfront — paid automatically to your servicer by a licensed Florida title company. You borrow, and your risk goes down, not up.
FOUNDER STORY
I'm My Own First Customer.
I own a $1.15M home in Miami with nearly $500,000 in equity. When traditional lenders wouldn't underwrite it, I realized the system was broken — half a million dollars in value that I built, with no rational path to access it.
The alternatives were worse. Hard money lenders offering 15% loans with balloon payments. “Foreclosure rescue” companies that offered predatory terms. Every option on the table was designed to extract value, not unlock it.
Your equity was always the guard dog — I built UnblockEquity to unblock it. I'm my own first customer.
The first deal through UnblockEquity is my own house. Signed February 24, 2026. Notarized. Breathing Room 12 — a full year of mortgage payments escrowed before I see a dollar. I'm eating my own cooking because I believe that what we built is the product that should have existed all along.
GET STARTED
Start Unlocking Your Equity
Check your home equity for free. See how much you could borrow in seconds. You choose what to verify.
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