Proposal Extract: End-to-End Fund Management Platform for Real Estate

1. Introduction

The real estate industry has traditionally relied on fragmented, paper-intensive, and inefficient processes for managing funds. Our proposed end-to-end fund management platform leverages blockchain, AI, and smart contracts to create a seamless ecosystem where builders, investors, and verifiers can collaborate efficiently. This platform aims to enhance transparency, security, and innovation in real estate fund management.

2. Objectives

Provide a transparent and decentralized fund management system for real estate projects.

Enable real-time collaboration between builders, investors, and verifiers.

Automate fund allocation and tracking using smart contracts.

Enhance security and reduce fraud through blockchain technology.

Improve liquidity options for investors through tokenization of assets.

Facilitate regulatory compliance and audits with built-in verification mechanisms.

3. Key Stakeholders

Builders: Real estate developers and construction firms seeking funding.

Investors: Individual and institutional investors looking for secure real estate opportunities.

Verifiers: Auditors, legal entities, and financial regulators ensuring compliance.

Platform Administrators: Operators ensuring smooth functionality and dispute resolution.

4. Platform Features

4.1. Smart Contract-Based Fund Management

Automates fund disbursement based on project milestones.

Reduces risks by ensuring compliance before releasing funds.

4.2. Investor Dashboard

Provides insights into project status, financials, and performance metrics.

Enables secure and fast investments via blockchain.

4.3. Builder Interface

Streamlines project documentation and funding requests.

Allows seamless tracking of funds received and utilized.

4.4. Verifier & Compliance Module

Includes automated KYC/AML verification.

Ensures regulatory compliance using AI-powered checks.

4.5. Asset Tokenization

Converts real estate assets into digital tokens for fractional ownership.

Enhances liquidity by enabling secondary market trading.

4.6. AI-Driven Risk Assessment

Evaluates builder credibility and project feasibility using predictive analytics.

Provides real-time alerts on potential financial risks.

4.7. Secure Transactions & Audit Trails

Ensures tamper-proof financial records with blockchain technology.

Provides verifiable and auditable transaction logs for stakeholders.

5. Technology Stack

Blockchain: Ethereum/Polygon for smart contracts and transaction security.

AI & Machine Learning: For risk assessment, fraud detection, and investment recommendations.

Cloud Infrastructure: AWS/Azure for scalability and high availability.

Data Security: End-to-end encryption and multi-factor authentication.

Smart Contracts: Automated fund allocation and milestone-based disbursements.

6. Implementation Roadmap

Phase 1: Research & Planning (Month 1-3)

Conduct market analysis and define functional specifications.

Identify regulatory requirements and compliance guidelines.

Establish strategic partnerships with key industry stakeholders.

Phase 2: Development & Testing (Month 4-9)

Develop core modules (smart contracts, dashboards, compliance system).

Conduct rigorous security testing and performance optimization.

Beta launch with selected builders, investors, and verifiers.

Phase 3: Deployment & Expansion (Month 10-15)

Full-scale platform launch with integrated AI and blockchain features.

Onboarding of builders, investors, and verifiers.

Expansion into international markets and continuous improvement.

7. Revenue Model

Transaction Fees: A small percentage on fund transfers and investments.

Subscription Plans: Premium features for builders and investors.

Tokenization Services: Fees for asset digitization and trading.

Regulatory & Compliance Consulting: Value-added services for compliance management.

8. Conclusion

This platform aims to revolutionize the real estate fund management industry by integrating blockchain, AI, and automation. By fostering trust, security, and efficiency, it provides an innovative solution for builders, investors, and verifiers to collaborate seamlessly and drive the next wave of real estate innovation.

Cross border investment yield instruments deals has a very high friction cost in large real estate deals. It involves intra-country legal settlement issues and also privacy requirements in addition to the verification process.

Reitcircles is working with real world builders in this segment to address this topic. So that the funds are managed in a professional setup using blockchain and allow all the goodness of blockchain such as instant settlement, transparency, DAO driven consensus for fund management etc.

Phase 1: Research & Planning (Month 1-3)

Conduct market analysis and define functional specifications. Identify regulatory requirements and compliance guidelines. Establish strategic partnerships with key industry stakeholders.

Phase 2: Development & Testing (Month 4-12)

Develop core modules (smart contracts, dashboards, compliance system). Conduct rigorous security testing and performance optimization. Beta launch with selected builders, investors, and verifiers.

Phase 3: Deployment & Expansion (Month 12-20)

Full-scale platform launch with integrated AI and blockchain features. Onboarding of builders, investors, and verifiers. Expansion into international markets and continuous improvement.

Development cost: 200K * 2 = 400K over 2 years Marketing expenses: 2 sales over 2 years = 200K Legal contracts: lawyer + legal licenses = 250K

Development:

• team size of 7-8 people [ 2 front end devs, 2 backend devs, 1 product manager, 1 project lead, CTO]

Marketing:

• team size of 4 people [ 1 online marketing, 2 sales persons, 1 CMO ]

Legal:

• 1 legal advisor and fees to get licenses such as tokenization (MICA) and banking licenses.

MALAY SAHA (Co-founder): Ex Telco executive for a Decade, Ex MAHINDRA & MAHINDRA General Manager. More than 3 decades of Marketing experience, Expert in creating auto brands, Single handedly created Isuzu in Oman for 2 decades, Bachelor of Engineering from NIT (India), more than 35 international awards. MBA from the TRIUM program (LSE,HSE Paris and Stern School of Management USA). Have extensive marketing enabling B2B business development for Reitcircles

SURESH NAIR (CMO): A veteran leader with 38 years at Tata Group’s Construction Equipment Division, Mr. Nair has expertise in Sales, Marketing, Business Development, and Key Account Management. A former ICEMA council member and CII Karnataka taskforce participant, he is an IIT-ISM Dhanbad graduate. Has high level connection with fund managers and investors globally.

AWAIS Khan (advisor): Awais Khan, a Venture Partner, contributed to a $300M exit at Proxicom Inc., co-founded KPMG’s venture capital group, and advised global funds and organizations. He holds a BS in Computer Engineering and an MBA from LSE, HEC Paris, and NYU Stern.

We will open source most of the key elements required for the growth of the ecosystem, which we want to develop globally for using the components such as API, identity plugin etc., payment on/off ramp.

The app marketplace will also allow others to develop country/region based modules that allows integration/setup of different components. In addition as the DID infrastructure of identus develops we will allow integration with that infrastructure for issuance of VC in the field of real estate and RWAs.

We are working with the identus group heavily in implementing SSI (self sovereign identity) into our infrastructure. In addition we are working with CIP-113 / CIP-008/CIP-30 in order to align our RWA token DAO with the community requirements.

Identus, wallets in the ecosystem (Eternl, Lace, Gerowallet, Begin wallet).