Fractional Real Estate Ownership
The future of real estate investing is fractional. MoneyMatcher is building the infrastructure to make it accessible to everyone.
The Vision
Today: Only wealthy investors can own commercial real estate. Minimum investments are $50,000-$1M+.
Tomorrow: Anyone can own a piece of a premium property for as little as $100.
How It Works
Traditional vs. Fractional
| Aspect | Traditional | Fractional |
|---|---|---|
| Minimum Investment | $50,000+ | $100 |
| Liquidity | Years to sell | Trade anytime |
| Diversification | 1-2 properties | Dozens |
| Management | Your problem | Handled |
| Income | Quarterly (maybe) | Monthly (automated) |
| Transparency | Limited | On-chain |
The MoneyMatcher Model
Premium Property
↓
Tokenization (Solana)
↓
10,000 Tokens @ $100 each
↓
Global Investors Buy
↓
Monthly Rental Income → Token Holders
↓
24/7 Secondary Market Trading
Property Types
Available Now (Traditional Matching)
- Fix & flip
- Rental properties
- Ground-up construction
- Commercial
Coming Soon (Fractional)
- Multifamily — Apartment complexes
- Commercial — Office, retail, industrial
- Hospitality — Hotels, short-term rentals
- Development — Pre-construction projects
Investment Tiers
| Tier | Minimum | Access |
|---|---|---|
| Starter | $100 | Basic fractional tokens |
| Growth | $1,000 | Priority allocations |
| Premium | $10,000 | Pre-launch access |
| Institutional | $100,000+ | Direct co-investment |
Income Distribution
Automated Monthly Payouts
- Property generates rental income
- Expenses deducted (management, taxes, etc.)
- Net income calculated
- Smart contract distributes to token holders
- Funds appear in your wallet
Example:
- You own 100 tokens ($10,000 investment)
- Property yields 6% annually
- You receive $50/month automatically
Transparency
All income and expenses are recorded on-chain:
- Rental payments received
- Operating expenses
- Capital improvements
- Distributions made
Secondary Market
Trade Your Tokens
Unlike traditional real estate, fractional tokens can be traded:
- 24/7 availability — No market hours
- Instant settlement — Funds in seconds
- Price discovery — Market-driven valuations
- No lockups — Sell whenever you want
Liquidity Pools
For popular properties, we provide liquidity pools:
- Always a buyer at market price
- Reduced slippage for large trades
- Automated market making
The Road to Ownership
Phase 1: Discovery (Now)
- Browse properties through MoneyMatcher
- AI-powered analysis (Cortex)
- Traditional financing available
Phase 2: Tokenization (Q2-Q3 2026)
- First properties tokenized on Solana
- Basic fractional ownership
- Manual income distribution
Phase 3: Automation (Q4 2026)
- Automated income distribution
- Secondary market launch
- Mobile app integration
Phase 4: Scale (2027)
- Hundreds of properties
- Institutional participation
- International expansion
Risk Considerations
Property Risks
- Market fluctuations
- Vacancy rates
- Maintenance costs
- Natural disasters
Token Risks
- Smart contract vulnerabilities
- Regulatory changes
- Liquidity constraints
- Platform risk
Mitigation
- Professional property management
- Insurance requirements
- Audited smart contracts
- Regulatory compliance
- Diversification across properties
Regulatory Compliance
United States
- Security token offering (STO)
- Reg D for accredited investors
- Reg A+ for non-accredited ($75M max)
- SEC registered transfer agent
International
- Jurisdiction-specific compliance
- KYC/AML for all investors
- Cross-border transaction support
FAQ
Q: Is this legal? A: Yes. Tokenized real estate is regulated as securities. We comply with SEC and international regulations.
Q: What if MoneyMatcher goes away? A: Tokens exist on Solana blockchain independently. Property ownership is held by an SPV with proper legal structure.
Q: Can I use tokens as collateral? A: Coming soon. We're building DeFi integration for token-collateralized loans.
Q: How are properties selected? A: Cortex AI analyzes properties for quality, cash flow stability, and growth potential. Only approved properties are tokenized.
Q: What about taxes? A: You receive 1099 forms annually. Income is taxable as real estate income. Consult your tax advisor.
Get Started
Join the Waitlist
Be first to access fractional ownership when it launches:
- Create MoneyMatcher account
- Complete verification (takes 5 minutes)
- Join fractional ownership waitlist
Email: fractional@moneymatcher.io