Haus is building a Tokenized Home Equity Liquidity Protocol to unlock the $16 trillion in illiquid home equity sitting in U.S. residential real estate. By leveraging blockchain technology, our platform enables homeowners to sell fractional ownership of their home equity, instantly accessing liquidity while allowing investors to gain exposure to real estate appreciation.

We have already prototyped and deployed this model on a private Ethereum blockchain, securing $20 million in Total Value Locked (TVL). With this proposal, we aim to transition HausCoin and the liquidity protocol to Cardano, leveraging its secure, scalable, and cost-effective infrastructure to power a decentralized marketplace for home equity trading.

Proposal Scope & Objectives

Tokenizing Home Equity on Cardano:

• Haus will move its existing liquidity protocol onto Cardano’s mainnet, allowing homeowners to tokenize and sell portions of their home equity directly to investors.
• This will create an efficient and scalable real estate-backed asset class, providing homeowners with cash liquidity and investors with a share in home appreciation.

Launching HausCoin on Cardano:

• Haus will issue HausCoin, a real estate-backed token enabling home equity trading at scale.
• Investors will be able to buy, sell, and trade tokenized real estate assets, unlocking new DeFi use cases for real-world assets (RWAs).

Leveraging an Existing 30,000-User Waitlist ($4.1B in TVL):

• Haus already has a 30,000-person waitlist representing $4.1 billion in Total Home Equity Value (TVL).
• A fraction of this TVL will be onboarded to Cardano, driving real-world adoption of the protocol.

Building a Legal Framework for Compliance:

• Haus will develop a regulatory-compliant framework for issuing and trading tokenized real estate in the U.S., EU and international markets.
• Legal and financial structuring will ensure seamless integration with traditional real estate markets.

Deploying Liquidity Pools & Market Infrastructure:

• Haus will establish liquidity pools to facilitate instant trading and lending of home equity tokens.
• This will support DeFi integration, enabling real estate-backed lending, yield farming, and staking mechanisms.

Product Completion & Market Expansion:

• Funding will be used to finalize product development, enhance the user experience, and integrate with key blockchain ecosystems.
• Haus will drive market adoption through strategic partnerships, marketing, and investor outreach.

Why Cardano?

Cardano’s blockchain infrastructure offers a secure, scalable, and cost-effective environment for tokenized assets. By migrating our home equity liquidity protocol and HausCoin to Cardano, we unlock:

• Low-cost transactions for seamless trading and fractional ownership.
• Smart contract security for compliant real estate tokenization.
• DeFi compatibility, enabling home equity-backed lending and staking.

Impact & Vision

Haus is pioneering the future of real estate tokenization, transforming home equity into a liquid, tradeable asset class. By launching on Cardano, we aim to bring institutional-grade real estate investing to blockchain, opening new opportunities for homeowners, investors, and the broader DeFi ecosystem.

Many homeowners are asset-rich but cash-poor, lacking access to liquidity tied up in their homes. At the same time, investors struggle to find stable, appreciating, asset-backed alternatives to traditional stablecoins or volatile crypto assets..

Benefits of HausCoin Implementation and Its Impact on the Community

HausCoin introduces a blockchain-based real estate liquidity solution, benefiting multiple stakeholders, including homeowners, investors, financial institutions, and the Cardano community.

1. Homeowners (Home-Rich, Cash-Poor Individuals)

• Liquidity Without Debt: Access home equity without selling or taking on loans.
• Financial Flexibility: Use unlocked funds for investments, emergencies, or retirement.
• Lower Barriers to Entry: Unlike traditional home equity loans, no income verification or high credit score is required.

2. Investors (Retail & Institutional)

• New Asset Class: Gain exposure to real estate equity without managing physical properties.
• Higher Yields: Historically, real estate outperforms inflation and offers stable returns. Our model has returned as high as 24.5% IRR over the last 5 years.
• Blockchain Transparency: Asset-backed investments with verifiable, secure transactions.

3. Financial Institutions & Capital Markets

• Increased Market Efficiency: Tokenizing home equity transforms a traditionally illiquid market by streamlining transactions and unlocking liquidity. Smart contract-driven settlements reduce capital requirements by 30x, enabling faster and more efficient asset trading.
• Diversification Opportunities: Banks, funds, and lenders can access real estate assets in a structured, decentralized manner.
• Securitization on Blockchain: Digital assets streamline settlement, significantly lowering costs and accelerating transactions. Blockchain-enabled securitization can cut costs by over 90%, enhancing efficiency and market accessibility.

4. Cardano Community – Demonstrated ROI & Value Creation

HausCoin on Cardano Drives Network Utilization

• Every transaction involving HausCoin generates activity on the Cardano blockchain, increasing network adoption

Tangible Milestones & Community Outcomes

Tangible Milestones to Be Delivered:

Porting the Haus Platform to Cardano
Migration of Haus's home equity liquidity protocol from a private Ethereum blockchain to Cardano’s mainnet for improved scalability, security, and lower costs.

Legal Offering Memorandum for HausCoin
Establishing a compliant legal framework to ensure regulatory approval for tokenized real estate investments in the U.S., EU and global markets.

Deployment of Home Equity on Cardano
Tokenizing home equity from 27+ homes, onboarding up to $20 million in Total Value Locked (TVL) on Cardano’s blockchain.

Integration with Cardano DeFi Ecosystem
Partnering with DeFi exchanges (e.g., MinSwap, Liqwid Finance and other top exchanges and lending protocols on Cardano) and liquidity providers to enable trading, staking, and lending of tokenized home equity assets.

Launch of a Real Estate-Backed coin & Investment Assets
Introducing a new asset class on Cardano by establishing home equity-backed stablecoins and fractionalized real estate investment tokens.

What the Community Will Receive:

• ✅ ~20 Million in tokenized real estate TVL at completion of integration, with the strong potential to scale to billions in Real-World Asset Liquidity – A new financial market on Cardano, bringing tokenized real estate liquidity to DeFi.
• ✅ Global Access to U.S. Real Estate – Investors worldwide can buy and trade fractionalized home equity-backed tokens.
• ✅ Mainstream Adoption of Cardano for RWAs – Strengthening Cardano’s position as the go-to blockchain for real estate tokenization.
• ✅ New DeFi Use Cases – Unlocking staking, lending, and yield farming opportunities with tokenized real estate.
• ✅ Sustainable Ecosystem Growth – Haus is already operational with $150K ARR, ensuring self-sustainability and long-term adoption.

This initiative will digitize billions in illiquid real estate, enabling global investment access, increasing Cardano adoption, and establishing real estate as a DeFi-native asset class.

We see a massive opportunity to revolutionize real-world asset (RWA) tokenization by implementing the Haus Liquidity Tokenization Protocol on Cardano.

The global real estate market is valued at $250T, with $40T in U.S. residential real estate and $17T in untapped home equity. Each year $3T in single-family homes change hands—of which $500B is investment real estate.

By launching Haus on Cardano, we will:

• Unlock billions in idle home equity, making it investable.
• Bring real estate tokenization to Cardano, increasing liquidity and adoption.
• Enable global investors to access U.S. dollar-denominated, real estate-backed assets.
• Facilitate cross-border investments, opening new financial opportunities.
• Provide investors with high ROI potential (historically up to 25%).
• Establish home equity-backed tokens as a new asset class.
• Digitize billions in illiquid real estate, benefiting the broader economy.
• Create low-cost securitization solutions, reducing financial inefficiencies.
• Enable new financial products, such as home equity-backed credit cards with low interest rates, HELOCS, Mortgages and Auto Loans.

This initiative will drive mainstream adoption of Cardano as the premier platform for tokenized home equity and real estate investments.

Cost Breakdown

| Category | Cost (USD) | Cost (ADA) (Based on Market Price at Funding) | |-------------------------------------------------------|----------------|--------------------------------------------------| | Blockchain Development & Migration | $500,000 | 1,000,000 | | Legal & Compliance (Offering Memorandum, Regulatory Approvals, Licensing) | $400,000 | 800,000 | | DeFi & Liquidity Pool Integration | $50,000 | 100,000 | | Smart Contract Audits & Security | $150,000 | 300,000 | | Marketing, Community Growth & Adoption | $300,000 | 600,000 | | Real Estate Tokenization & Asset Onboarding | $100,000 | 200,000 | | Operational Costs & Team Expansion | $100,000 | 200,000 | | Reserve & Contingency | $50,000 | 100,000 | | Total | $1,500,000 | 3,000,000 |

Estimated Team Size & Duration for Key Proposal Deliverables

Estimated Team Size:

To successfully execute this proposal, we anticipate a core team of 8–12 members, with expertise spanning blockchain development, legal compliance, and real estate finance:

• Blockchain & Smart Contract Developers (3–4)
  Responsible for porting the Haus platform from Ethereum to Cardano, integrating smart contracts, and optimizing blockchain efficiency.

• Legal & Compliance Experts (2–3)
  Focused on structuring the legal offering memorandum for HausCoin and ensuring regulatory compliance for tokenized real estate transactions.

• DeFi & Liquidity Specialists (2)
  Establish partnerships with DeFi exchanges (e.g., MinSwap) and ensure liquidity for tokenized home equity assets.

• Product & Real Estate Analysts (2)
  Managing property tokenization, onboarding homeowners, and ensuring accurate home equity valuation.

• Marketing & Community Engagement (1–2)
  Driving community adoption, investor awareness, and ecosystem growth within the Cardano and real estate finance communities.

Estimated Timeline & Duration:

| Milestone | Estimated Duration | |---------------------------------------------------------------|--------------------------------| | Port Haus platform to Cardano | 4–6 months | | Finalize Legal Offering Memorandum | 3–4 months | | Deploy home equity from 27+ homes ($20M TVL) on Cardano | 3–6 months | | Establish DeFi Partnerships (e.g., MinSwap) | Ongoing, with initial in 3–6mo | | Launch Real Estate-Backed Investment Assets | 6–9 months |

Total Estimated Duration: 6–9 months

The core platform migration and legal framework will be completed within 6 months.
Full-scale tokenization of real estate assets and DeFi integrations will be rolled out within 6–9 months.

This structured approach ensures that Haus will quickly integrate into the Cardano ecosystem, bringing real-world real estate assets into DeFi while maintaining regulatory compliance and liquidity.

Deliverables and Payment Schedule

1. Port Haus Platform to Cardano – $500,000 USD

Deliverable:
A fully functional deployment of the Haus platform on the Cardano blockchain, enabling seamless core operations such as property onboarding, token minting, and investor participation.

Scope of Work:

• Rewrite all existing smart contracts in Plutus or Aiken to support Cardano’s native infrastructure
• Integrate Cardano-compatible wallets (e.g., Eternl, Vespr, Lace, Yoroi) for investor access and interactions
• Port key features from the existing platform, including:
  • Token minting logic
  • Equity assignment engine
  • Investor dashboards and account management
• Conduct end-to-end quality assurance, including testing, third-party security audits, and final mainnet deployment

2. Finalize Legal Offering Memorandum – $400,000 USD

Deliverable:
A completed legal and regulatory framework enabling compliant real estate-backed digital asset offerings in both the United States and Europe.

Scope of Work:

• Finalize the Offering Memorandum, detailing:
  • Token structure and economic model
  • Redemption logic and investor rights
  • Risk disclosures and asset-level transparency
• Establish investor limitations and disclosure requirements to comply with U.S. regulations (SEC/KYC/KYB/AML)
• Align framework with MiCA standards to enable EU investor access and passporting capabilities
• Coordinate with legal counsel across jurisdictions to ensure enforceability of tokenized real estate assets

3. Deploy Home Equity from 27+ Homes (~$20M TVL) on Cardano – $300,000 USD

Deliverable:
Migration of the existing nearly $20M TVL real estate portfolio to the Cardano blockchain, including on-chain representation of all assets and equity claims.

Scope of Work:

• Mint Cardano-native tokens representing fractional equity in SPVs
• Automate minting/burning of tokens based on changes to underlying equity
• Integrate trusted third-party AVMs for property valuation and ongoing pricing
• Build a real-time investor portal displaying:
  • Token value and historical performance
  • Composition of regional asset pools
  • Total Value Locked and asset-level metrics

4. Establish DeFi & Oracle Integrations – $50,000 USD

Deliverable:
Infrastructure to enable future liquidity, DeFi applications, and ecosystem integrations through reliable valuation and pricing data.

Scope of Work:

• Integrate third-party AVMs to generate monthly valuations for tokenized homes
• Publish AVM data to Cardano using decentralized oracle providers (e.g., Charli3, Orcfax)
• Develop SDKs and technical documentation for developers building applications around HausCoin data
• Enable transparency and composability for future lending, liquidity, and yield-based use cases

5. Launch Real Estate-Backed Investment Assets – $250,000 USD

Deliverable:
Issuance of tradable, fully compliant real estate-backed digital assets (e.g., HausCoin) on Cardano, supported by on-chain equity and structured yield mechanisms.

Scope of Work:

• Launch HausCoin on Cardano, backed by verified home equity holdings
• Implement gated access (KYC/KYB) for accredited investors to participate and monitor their portfolios
• Enable lifecycle events (minting, burning, redemption) based on property-level changes and AVM inputs
• Deploy investor dashboard for:
  • Wallet integration and portfolio visibility
  • Performance tracking and yield generation
  • Regional asset pool insights
• Define and publish a compliance framework to support long-term token utility and secondary liquidity

Relevant Experience & Track Record

Haus is led by a seasoned team of experts in blockchain, fintech, real estate, and technology, with a proven track record of scaling businesses, executing blockchain projects, and driving financial innovation.

1. Leadership Team with Deep Industry Expertise

Siddarth (CEO) – A product and tech executive with $1B+ P&L and 20+ years as a real estate investor.

• Turned around a $2B public company leading to a $6.4B private equity exit through product and engineering innovation.
• Built a $500M revenue AI platform at Amazon.
• Scaled (NYSE: PL) from $2M to $140M revenue, leading strategic acquisitions including Google’s Terra Bella in a $2.8B exit.
• Launched Microsoft Surface 3 ($0 to $475M revenue) and developed the first Android phone at Google.

Rakesh Pullabhatla (COO) – A financial and operations expert, blockchain specialist, and fintech/proptech strategist.

• COO/CFO Consultant at multiple Layer 1 blockchain projects (Nodle, Astar, Oasis, Metallicus) and several DeFi and NFT ventures.
• Director at Planet Labs (NYSE: PL) – Led company expansion from 30 to 650 employees, growing revenue from $0 to $150M ARR, leading to a $2.8B IPO
• Director at Boku (AIM: BOKU) – Helped build a global mobile payments platform in 120+ countries, leading to a $500M IPO
• Former Economics Consultant at Cornerstone Research and held product & operational roles at Apple, Textron, and Fortune 150 companies.

2. Proven Execution & Market Validation

• Developed and tested the Haus Liquidity Protocol, completing 36 tokenized home transactions with $20M in TVL.
• Strong Product-Market Fit, validated by a 30,000-user waitlist with $4.1B in tokenizable home equity.
• Early DeFi Partnerships, including promising conversations with MinSwap and other liquidity providers.

3. Real Estate, Blockchain, and Legal Readiness

• Haus is already operational, with $25M+ AUM, $20M TVL, and $150K ARR, proving its financial viability.
• Regulatory compliance focus, with an ongoing legal framework for HausCoin (SEC reg D approved) and tokenized real estate investing.
• Institutional & Investor Network, ensuring liquidity, adoption, and long-term sustainability.

With a track record of scaling multi-billion-dollar businesses, building blockchain protocols, and executing real estate tokenization, the Haus team is well-positioned to deliver this project successfully on Cardano.

Haus is already an operational company with $25M+ AUM, $20M in TVL, and $150K in Annual Recurring Revenue (ARR) from fractional real estate-backed transactions. With a validated business model and strong market demand, we anticipate breaking even quickly and operating profitably, ensuring long-term sustainability without reliance on continuous external funding.

The proposed transition to Cardano will further expand participation and liquidity in the ecosystem. Our long-term maintenance and support strategy include:

Ongoing Development & Upgrades

• Haus has a dedicated engineering team responsible for maintaining, optimizing, and upgrading the protocol.
• Regular smart contract audits and compliance updates will ensure security, efficiency, and regulatory adherence.
• Future improvements will include enhanced liquidity mechanisms, AI-driven valuation models, and broader DeFi integrations.

Liquidity & Ecosystem Growth

• This proposal will attract more participants to the ecosystem, increasing liquidity and adoption of HausCoin.
• We will establish long-term partnerships with DeFi exchanges (e.g., MinSwap) and liquidity providers to support real estate-backed token trading.
• Launching liquidity pools and staking mechanisms will incentivize continuous user engagement.

Sustainable Funding & Revenue Model

• Haus already has $150K ARR from revenue-generating customers, demonstrating early traction and financial viability.
• The protocol will continue to generate income through transaction fees, staking rewards, and tokenized real estate services.
• With its proven monetization model, Haus expects to achieve profitability quickly, enabling self-sustained operations without long-term dependence on grants.
• Additional funding will be secured through strategic partnerships, institutional adoption, and ecosystem incentives.

User Adoption & Support

• Haus will provide comprehensive documentation, developer tools, and onboarding support for homeowners, investors, and developers.
• A dedicated customer support team will ensure seamless platform usage and engagement.
• Educational initiatives and targeted marketing campaigns will drive further adoption and awareness of real estate tokenization.

With a proven track record of managing tokenized real estate assets, existing ARR, and a growing user base, Haus is well-positioned to scale on Cardano, achieve profitability, and sustain operations independently, ensuring the long-term success of the Tokenized Liquidity Protocol.

https://x.com/StakeWithPride/status/1903655343491879381

https://x.com/haus/status/1904916657572835411

Haus has already developed 80–85% of the protocol and has conducted proof of operations and product-market fit validation over the last few years on a private Ethereum blockchain. With 36 home transactions completed and $20M in TVL, our core infrastructure is largely built, reducing overall dependencies.

However, a few key dependencies remain for fully completing the Haus Tokenized Liquidity Protocol on Cardano:

• DeFi Exchange Partnerships – While we’ve had promising initial conversations with platforms like MinSwap, we may need to secure additional DeFi partners for liquidity provisioning and token trading.

• Cardano Developer Talent – We require skilled Cardano blockchain developers to port our existing code from the private blockchain to the Cardano ecosystem.

• Funding & Grants – To finalize deployment and legal structuring, we must secure funding through grant proposals or alternative investment sources.

Given our strong foundation and proven market validation, the remaining dependencies are minimal compared to most early-stage blockchain projects.