Architecture Overview
NeoMason is designed to transform real estate — the world’s largest but least liquid asset class — into a compliant, transparent, liquid, and composable capital instrument. Through a multi-layered architecture spanning custody, tokenization, abstraction, and financial applications, NeoMason enables a closed-loop system from property custody to yield distribution to financial derivatives.
Three Core Design Principles
Legal Enforceability — Every token is directly mapped to real property rights and protected by bankruptcy-remote structures.
On-chain Transparency — Rental flows, distributions, and redemptions are fully auditable in real time.
Capital Efficiency — Rental cash flows are converted into standardized financial instruments, enabling collateralization and refinancing.
Design Logic
NeoMason’s architecture follows the logic of “from offline assets to on-chain capital”, structured into four layers:
Custody Layer — Provides off-chain custody and regulatory compliance for properties, with rental income escrowed on-chain.
Tokenization Layer — Maps each property into a dual-token structure:
$A_1122_n (ownership certificate)
$A_20_n (fractional yield token)
Abstraction Layer — Aggregates property yields into a unified financial instrument, $REY, a composable DeFi-native asset.
Financial Applications Layer — Enables collateralized lending, stablecoin issuance, and secondary market trading, all powered by $REY.
This layered approach ensures a stepwise transformation: non-standard assets → standardized assets → composable instruments → capital market products.
How It Works
Step 1: Off-chain Custody
Property owners place assets under NeoMason custody.
NeoMason provides 360° lifecycle management, from acquisition to refinancing, covering property, tenants, and rental flows.
Operations are optimized through the RR’$R’RR model (rehabilitation, re-rental, refinancing), ensuring stable baseline yields.
Step 2: Tokenization & Compliance Control
Property rights are digitized under the ERC-1122 standard ($A_1122_propertyID), directly mapped to legal ownership.
From $A_1122, ERC-20 compliant tokens ($A_20_propertyID) are issued, enabling fractional tradability.
All token creation undergoes stringent asset verification and compliance audits.
Step 3: On-chain Rental Custody
Rental income is pooled on-chain via smart contracts, covering collection and distribution.
After minimal service fees, net rental income is distributed proportionally to $A_1122 holders.
Step 4: Capitalization of Property Yields
Multiple properties are pooled into a unified asset base, managed under a REIT-like structure.
Each property entering the pool can be exchanged for shares priced using DCF (discounted cash flow) to ensure $REY reflects intrinsic value.
$REY becomes a yield-bearing note, backed by the rental pool, offering standardization and stability.
Step 5: Lending & Liquidity Markets
Investors may sell or collateralize $REY for liquidity.
Borrowers access credit in USDC, backed by DSCR (Debt Service Coverage Ratio ≥ 1.2) to ensure rental income covers debt service without forced liquidation.
Automated repayment: Rental flows are directed into debt accounts until repayment, eliminating liquidation risk.
Step 6: Redemption & Exit
Investors may redeem $REY at any time.
Secondary markets (DEX) provide additional liquidity channels.
Differentiated Advantages
Full-Spectrum Custody — Combining off-chain property custody with on-chain rental escrow.
Capitalization Upgrade — Converts heterogeneous real estate into standardized, tradable instruments.
Investor-Friendly Real Estate Product — Creates one of the first medium-yield, on-chain REIT-like instruments.
Comparison with Traditional Models
Geography
Regional, jurisdiction-limited
Global, borderless
Transparency
Limited reporting
Full on-chain auditability
Accessibility
High minimum entry
Fractionalized, low barrier
Portfolio
Fixed, rigid asset pools
Flexible, composable structures
Conclusion: NeoMason is not a single financial product, but the infrastructure layer for Real Estate Finance 3.0.
Executive Takeaway
NeoMason creates a multi-layered financial infrastructure that transforms real estate from a fragmented, illiquid asset class into standardized, compliant, and composable capital instruments. By bridging custody, tokenization, abstraction, and DeFi applications, NeoMason establishes the foundation of Real Estate Finance 3.0.
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