Home Equity, Unlocked
Borrow, buy, and sell fractional home equity. No credit check. No income verification. Powered by DeFi.
THREE PRODUCTS, ONE PLATFORM
Borrow. Buy. Sell.
Everything home equity in one place. Start with Borrow — the fastest path to liquidity.
Borrow
Denied a HELOC? Borrow USDC against your equity via Morpho on Base. No credit check, no income verification.
- Instant USDC via DeFi self-borrowing
- No monthly payments
- 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
- Trade anytime on our marketplace
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 monthly payments to investors
FOUR STEPS
Address to USDC. No Bank.
Our Borrow product turns your home 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.
Apply & Pay $499
Processing fee covers valuation verification and document preparation.
Sign & Record
E-sign your agreement. We notarize and record the junior lien at the county.
Borrow USDC
Deposit tokens in Morpho on Base, borrow USDC instantly against them.
THE DIFFERENCE
Why Not a HELOC?
Traditional lenders deny 40% of HELOC applicants. Late payment in the last 12 months? Automatic rejection.
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
- No credit check at all
- Valuation-based only (ATTOM AVM)
- Same-day funding via DeFi
- Welcome HELOC-denied homeowners
- No interest rate (DeFi protocol rates)
- No monthly payment obligations
BUILT ON TRUST
Proven Legal Framework
Point, Hometap, and Unlock have deployed $3B+ using the same junior lien model. Our innovation: DeFi + blockchain transparency.
County-Recorded
Junior liens filed at your county clerk's office
FL Homestead Safe
No title transfer = keep all FL protections
Base Blockchain
Coinbase L2 with audited smart contracts
ATTOM Valuations
Institutional-grade AVM property data
Practice Before You Invest
Game Mode gives you $100K in simulated cash to invest in real Miami properties with live MLS data. Build skills, climb leaderboards, then switch to real money when ready.
GET EARLY ACCESS
Join the Waitlist
Be first to borrow against your equity when we launch.
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