Solana Integration
MoneyMatcher is building on Solana for next-generation real estate tokenization and fractional ownership.
Why Solana?
| Factor | Solana | Ethereum | Traditional |
|---|---|---|---|
| Transaction Speed | 400ms | 12-15 sec | 3-5 days |
| Transaction Cost | $0.00025 | $2-50+ | $500+ |
| Throughput | 65,000 TPS | 15 TPS | N/A |
| Energy Use | Minimal | High (PoS now) | High |
| Finality | Instant | Minutes | Days |
Key Advantages for Real Estate
- Sub-cent transaction fees — Makes micro-investments viable ($10 fractional shares)
- Instant settlement — No waiting for confirmations
- High throughput — Handle massive trading volume
- Growing ecosystem — DeFi, NFTs, institutional adoption
Our Solana Roadmap
Phase 1: Foundation (Q2 2026)
- ✅ Solana wallet integration
- 🔄 SPL token standard implementation
- 🔄 Basic property tokenization
Phase 2: Marketplace (Q3 2026)
- 📋 Fractional ownership platform
- 📋 Secondary market trading
- 📋 Rental income distribution (automated)
Phase 3: DeFi Integration (Q4 2026)
- 📋 Token-collateralized loans
- 📋 Yield farming with property tokens
- 📋 Cross-chain bridges
Phase 4: Institutional (2027+)
- 📋 Regulated security token offerings
- 📋 Institutional custody solutions
- 📋 Compliance automation
Technical Architecture
Token Standard: SPL Tokens
We use Solana's SPL Token standard for property tokens:
PropertyToken (SPL)
├── Metadata
│ ├── Property Address
│ ├── Valuation
│ ├── Legal Structure
│ └── Offering Documents (IPFS hash)
├── Supply
│ ├── Total Tokens: 10,000
│ └── Price per Token: $100
└── Features
├── Transfer (with compliance check)
├── Dividend Distribution
└── Governance Voting
Smart Contract Programs
| Program | Function |
|---|---|
property_registry | Register and verify properties |
token_factory | Mint property tokens |
marketplace | Buy/sell fractional shares |
dividend_distributor | Auto-distribute rental income |
compliance_checker | KYC/AML verification |
Integration with MoneyMatcher
MoneyMatcher Platform
↓
Cortex AI (Analysis)
↓
Solana Programs
↓
On-Chain Assets
↓
Global Investors
Fractional Ownership Flow
For Property Owners
- Submit Property — Upload docs through MoneyMatcher
- AI Valuation — Cortex analyzes and values property
- Legal Structure — Create SPV, draft offering
- Tokenize — Mint property tokens on Solana
- List — Offer tokens on marketplace
- Manage — Automated income distribution
For Investors
- Connect Wallet — Phantom, Solflare, etc.
- Browse Properties — Search by location, type, yield
- Analyze — AI-powered risk/return analysis
- Invest — Buy fractional tokens (min $100)
- Earn — Receive rental income automatically
- Trade — Sell tokens on secondary market
Supported Wallets
- Phantom — Most popular Solana wallet
- Solflare — Full-featured mobile + web
- Backpack — Multi-chain with xNFT support
- Ledger — Hardware wallet security
Compliance Framework
KYC/AML
- Identity verification required
- On-chain attestations (Civic, Synaps)
- Compliant with US/EU regulations
Accreditation
- Accredited investor verification for security tokens
- Non-accredited options under Reg A+ ($75M max)
- International investor support
Tax Reporting
- Automatic 1099 generation
- Cost basis tracking
- Integration with tax software
Use Cases
1. Fractional Rental Property
Own a piece of a cash-flowing apartment building
- 100-unit apartment complex
- $10M property value
- 100,000 tokens @ $100 each
- 6% annual yield distributed monthly
- Trade tokens 24/7
2. Development Funding
Invest in ground-up construction
- New condo development
- $50M project cost
- Token holders get equity + profit share
- 18-24 month development cycle
- Target 2x return
3. Commercial Real Estate
Access institutional-quality assets
- Class A office building
- NNN lease with Fortune 500 tenant
- Stable 5% yield
- Appreciation potential
- Inflation hedge
Coming Soon
Q2 2026
- Property token minting
- Basic marketplace
- Wallet integration
Q3 2026
- Secondary market trading
- Dividend automation
- Mobile app support
Q4 2026
- DeFi lending with property tokens
- Cross-chain compatibility
- Institutional custody
Get Early Access
Join the waitlist for Solana-powered fractional ownership:
Email: blockchain@moneymatcher.io
Subject: Solana Early Access