Fractar aims to tackle real estate investment in Latin America by tokenizing physical assets, allowing fractional ownership, increased liquidity, and simplified access for investors via the Cardano blockchain. It introduces a unique franchise model that mitigates local regulatory and operational challenges while ensuring regulatory compliance through integrated KYC/AML processes. The platform incorporates smart contracts for real estate asset management, voting system and reward sharing, offers embedded DeFi services like collateralized loans, and strategically allocates a portion of its profits to the Cardano treasury, promoting ecosystem sustainability. Fractar’s approach ensures localized market penetration, reduced operational costs, broader investor participation and fostering economic inclusion.

Traditional real estate financing is hindered by bureaucratic hurdles, high costs, and limited access—especially for smaller investors. Moreover, the market suffers from illiquidity, and regional regulatory challenges complicate both local and foreign investor participation. With local market players missing an initiative to sell Cardano on the ground, and competitors like Polygon advancing in the EVM space, there is a clear need for a Cardano-based solution tailored to Latin America.

Implementation would democratize and significantly expand access to real estate investment across Latin America by enabling fractional ownership, increasing liquidity, and reducing regulatory hurdles. The Cardano community benefits from enhanced ecosystem visibility, increased total value locked (TVL) through integrated DeFi mechanisms, and sustainable use of the treasury with pay back of funds on the long term. Overall, this fosters ecosystem growth, attracts both crypto-native and traditional investors, and reinforces Cardano’s competitive positioning in the fast-growing tokenized Real World Assets (RWA) market.

Roadmap & Project Timeline

M1: Legal Research & Structural Design of Operations (4 Months) Objectives: Conduct comprehensive legal and regulatory research for LATAM jurisdictions. Design the operational structure and blueprint for franchise operations. Establish initial frameworks for compliance, KYC/AML, and asset protection. Conduct comprehensive legal research and propose a solution that integrates Decentralized Autonomous Organizations (DAOs), Smart Contracts, and Trust models to facilitate interaction with traditional legal systems while ensuring asset protection and compliance. Validate the franchise initial model.

Deliverables: Detailed legal and regulatory framework. Structural design of operations including fluxograms and setup cost analysis. M2: Benchmark & Design Partner Requirements Gathering (3 Months) Objectives: Identify and benchmark best practices among regional and international real estate tokenization platforms. Gather detailed requirements from potential design partners and strategic stakeholders. Validate franchise model parameters through stakeholder consultations. Gather requirements from security perspective and practical technological operation with franchise partners for back-end and blockchain development.

Deliverables: Partner requirements report. A model incorporating benchmarked data and partner feedback. Security requirement report. M3: UI/UX & Front-End Development (3 Months) Objectives: Develop the user interface and user experience design for the platform. Create wireframes, prototypes, and design assets that resonate with both traditional and crypto investors. Ensure responsive design and usability across multiple devices, testing integration of framework front-end and tools.

Deliverables: High-fidelity UI/UX designs. Working prototype of front-end development. M4: Back-End Development & Integration (3 Months) Objectives: Build the core back-end functionalities including tokenization engines, KYC/AML processing, and data management. Integrate the front-end with secure, scalable back-end systems. Implement essential APIs and middleware for robust platform performance.

Deliverables: Fully functional back-end system. Integrated front-end and back-end platform ready for initial testing. M5: Smart Contracts & Web3 Integrations (3 Months) Objectives: Develop and test smart contracts on the Cardano blockchain for property tokenization, transactions, and DeFi modules. Integrate web3 functionalities to ensure seamless interactions between the blockchain and the platform. Implement security audits and compliance checks for smart contracts.

Deliverables: Tested and audited smart contract templates. Fully integrated Web3 modules with support for collateralized loans and dividend mechanisms. M6: Operational Launch & Market Validation (2 Months) Objectives: Launch the platform in selected LATAM markets. Marketing activities, business development, and partner training initiatives. Collect feedback and validate operational models for scalability.

Deliverables: Official operational launch of the platform. Market validation and performance reports. Established the certified franchise partners.

M1 4 months $324,000.00 ₳578571

M2 3 months $140,000.00 ₳250000

M3 3 months $140,000.00 ₳250000

M4 3 months $91,000.00 ₳162500

M5 3 months $86,000.00 ₳153571

M6 2 months $54,000.00 ₳96428 ADA

Total $835,000.00 ₳1491071 ADA

We estimate a total project duration of 18 months, divided into 6 distinct milestones (M1-M6). It requires a core team consisting of at least five members: a Product Owner, Blockchain Developer, FullStack Developer, UI/UX Designer, and additional roles covering business development, research, and significant allocations for legal and consulting.

The Fractar team brings proven expertise from their successful work on the TapDano project, a blockchain initiative focused on identity management, real-world asset (RWA) tokenization, and secure on-chain validations using smart contracts and soul-bound tokens. Our experience includes navigating complex landscapes and integrating innovative solutions like secure NFC tokens, bolstered by key projects with major entities such as Cardano Foundation and Petrobras, Rock in Rio, Bradesco, and Banco Original. This multidisciplinary background equips us to address the intricate legal, technological, and operational challenges of this project.

After its initial development, Fractar will ensure long-term sustainability and continuous support through its franchise-based model. The platform will generate revenue by fees collected from sales and franchise partnerships. We intend to allocate a designated budget for business development efforts, aimed at expanding operations and attracting a broader client base.

While we lack specific data or formal reports on this topic, insights gathered from social media comments and personal business interactions with potential partners in the region paint a clear picture. The community has responded positively to efforts aimed at increasing Real World Assets (RWA) within the ecosystem. This enthusiasm reflects a growing interest in integrating more tangible, real-world value into the sector. At the same time, there is a recognized need to improve Total Value Locked (TVL) to strengthen and sustain these initiatives. By boosting TVL, the sector could unlock greater potential and support the momentum behind RWA adoption, as observed through these direct and informal channels.

One key dependency of this proposal to be completed is the availability of a design partner, that in our case we already have a business development relationship.