Homelend
Homelend
Token: HMD


A Mortgage Crowdfunding Platform

ICO dates
Start date: 2018-03-15
End date:

Registrated in: Switzerland

Platform: Ethereum
Type: ERC20

PREMIUM ICO

HARA

Empowering billions by utilizing a global and transparent data exchange.
Ends in 208 days 7 hours
Goal: 17,000,000 USD
Price: 1 HART = 0.059 USD

Dominium

Dominium Blockchain – The one-stop-platform for everything to do with property anywhere in the world!
Ends in 177 days 7 hours
Goal: 17,500,000 USD
Price: 1 DOM = 0.25 EUR
Homelend categories
Banking Cryptocurrency Real estate
Homelend whitepaper
Video
Homelend token sale
KYC passing required Yes | Whitelist Yes | Restriction for countries No
Soft cap 5,000,000 USD
Hard cap 30,000,000 USD
Tokens for sale 160,000,000
Token distribution in ICO
64%
64%
Price 1 ETH = 1,600 HMD
Minimal investment 1,000 USD
Acceppting BTC, ETH, Fiat
Homelend news, social
Homelend search trends in Google
Random whitepaper excerpts

disclaimer
this business whitepaper represents work in progress
and illustrates the intent of
dmc homelend ag
to
develop
,
launch and market certain products
.
the implementations of these products are built on
new technologies
,
and it is expected that signifi
-
cant changes will be continually required to meet
the evolving requirements of the market

s and
customer

s demands
.
T
his business whitepaper does not constitute a
prospectus nor offer of any sort
,
and is not
intended to constitute an offer or solicitation
of securities or any other investment in any
jurisdiction
.
...

introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
CONTENTS
1. I
ntroduction

2
2. B
lockchain and the mortgage industry
4
2.1. M
ortgage value chain
4
2.2. M
ortgage origination issues and problems
6
2.3. W
hat blockchain technology brings
6
2.4. S
mart contracts
7
3. H
omelend

s mortgage lending platform

9
3.1. P2P
lending and the mortgage industry
9
3.2. H
omelend

s
P2P
mortgage lending mechanism
9
3.2.1. I
nformation flows

10
3.2.2. F
inancial flows
12
3.3. P2P
lending methods
13
3.3.1. C
rowdfunding method
13
3.3.2. P
<...

Homelend will
transform mort-
gage origination
into a simpler,
more efficient and
fair process,
reducing the
distance between
borrowers and
lenders in a way
no solution has
done before.
introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
1. INTRODUCTION
Mortgage loans are at the core
of society.
One of our basic needs as hu-
man beings is shelter. Buying a
TV, embarking on holiday travel,
starting a business, or even sen-
ding your kids to college…
These are choices you can choo-
se not to make in order to avoid
becoming indebted. But not ha-
ving a home isn’t —or shouldn’t
be— an option.
For most people, the only
options for housing—besides
living with their families, friends
or relat...

introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
been resold to a third party in a
secondary market
6
.
The introduction of
mortgage-backed securities
(MBS), while expanding
financing sources and liquidity,
introduced further complexity.
Mortgage market securitization,
for all its advantages, created an
environment where sound credit
assessment was relaxed.
Confident that MBS would
remain a low-risk instrument
because most mortgages debts
are paid religiously (even if some
borrowers could default on their
debts), banks began granting
sub-prime loans under unfavo-
rable conditions. The number
of sub-prime loans in the U.S.
reached almost a quarter of total
mortgages originated in 2006
7
.
This created a syste...

Blockchain and
smart contracts
have the potential
to save between
US$ 3 billion and
US$11 billion to
the mortgage
industry.
Capgemini
Consulting
introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
2. BLOCKCHAIN AND THE MORTGAGE
INDUSTRY
Many areas in the financial
world have been disrupted by
the Internet revolution. Howe-
ver, mortgage lending, despite
being one of the largest areas, is
still generally conducted under
the same traditional system. The
mortgage value chain has grown
in complexity during the past
three decades, due to the trend
towards securitization, which
has significantly amplified finan-
cial supply. Nevertheless,
mortgage lending processes
remain mostly paper-based and
involve many pl...

introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
Taken as a group, however,
all the steps are instrumental in
relation to a central goal:
formalizing a mortgage loan in
order to allow the purchase of a
property, under legal and
financial conditions that will
make the repayment of the loan
very likely.
Once the mortgage loan is
formalized, it becomes an asset
for the lender and a liability for
the borrower, who must
periodically pay an amount that
comprises principal and interest,
in addition to other payments
such as insurance or taxes. The
collection of this money throu-
ghout the life of the loan, and
related procedures such as
sending mortgage and escrow
statements or pursuing late
payments, is known as mortgage
servicing

introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
2.2.
Mortgage
origination issues
and problems
Due to the sheer number of
documents and parties involved,
mortgage origination is usually a
lengthy process, averaging close
to 50 days
12
. Gathering all the
required documents for a
mortgage application, (including
bank statements, pay stubs, tax
returns, etc.) can be very
time-consuming for the
borrower. Filling the application
form requires attention to de-
tail, and many applicants aren’t
familiar with the terminology or
don’t understand many important
concepts.
To some extent, the complexi-
ty of the mortgage origination
process cannot be avoided. Each
step, document, activity, etc. is
there to protect ...

introduction
blockchain and
the mortgage
industry
homelend

s
mortgage lending
platform
business model
token generation
event
our team
references
As was described in the
previous section, the mortga-
ge origination process involves
many steps, documents and
entities. These actors must
access, analyze and verify
information provided in the
mortgage application and
subsequent steps. In this sense,
a distributed ledger, accessible
by all parties, would enhance
transparency, efficiency and
reliability in the access to infor-
mation contained in the docu-
ments handled during mortgage
origination. Inconsistencies in
the data available to each actor
(appraiser/insurer/ loan officer,
etc.) would be reduced to zero
if all documentation was stored
in a distributed database, immu-
table and equally accessible.
Besides storing information ob...

Homelend Roadmap

1
2016
The Homelend founders launch the project with the incorporation of new company.
2
2017
The founders bootstrap the project with 1 USD million USD in contributions. A team of experts in technology and finance join the company. Design of the platform's concept and architecture begins. A first MVP is completed, based on client-server infrastructure. A second MVP is released, based on distributed ledger technology.
3
2018
DMC Homelend AG is incorporated in Zug, Switzerland(aka 'Crypto Valley'). Business and technical whitepapers are completed. Token Generation Event (TGE) pre-sale phase begins. TGE Public crowdfunding will be conducted and completed. Additional technology and finance experts will join the company.Homelend's beta version will be completed and the token's basic functionalities will be operational for early adopters, under the pure crowdfunding lending mechanism. Development of beta versions for pooling and auction lending mechanisms will begin.
4
2019
Homelend's platform 1.0 version will be tested on the testnet-feedback with Quality Assurance (QA) team. Development of smart agent for investment abilities in Homelend's platform will begin. Homelend's platform will to new markets.
Itai Cohen
Itai Cohen Chief Executive Officer

Netanel Bitan
Netanel Bitan Chief Technology Officer

Ricardo Henriquez
Ricardo Henriquez Chief Innovation Officer

Amir Nahmias
Amir Nahmias Chief Business Officer

Michael Tanfilov
Michael Tanfilov Strategic Planning Director

Kanat Tulbassiyev
Kanat Tulbassiyev Leading Blockchain Developer

Ram Stivi
Ram Stivi Backend Developer

Sol Alvarado Quijano
Sol Alvarado Quijano Graphic Designer / Community Assistant

Vinod Morkile
Vinod Morkile Blockchain Developer

Raghuram Bala
Advisors Raghuram Bala Analytical Technology Executive

Eliran Madar
Advisors Eliran Madar Business Development / Investor Relationship

Yoram Uzan
Advisors Yoram Uzan Entrepreneur

Danny Coddy
Advisors Danny Coddy Appraisal

Ido Samuelson
Advisors Ido Samuelson Blockchain Expert Advisor

Marc Kenigsberg
Advisors Marc Kenigsberg Tokenomics and Data Management Advisor

Adina Haham
Advisors Adina Haham Business Growth Advisor

Kanat Tulbassiyev
Kanat Tulbassiyev
Leading Blockchain Developer
ICO, Smart Contracts, Hyperledger
Blockchain Advisor
CBO BLOCK GEMINI
Marc Kenigsberg
Marc Kenigsberg
Tokenomics and Data Management Advisor
EXTERNAL ADVISOR
Founder of BitcoinChaser
Blockchain advisor
BLOCKCHAIN AND ICO ADVISOR
Founder of BitcoinChaser
Advisor on tokenomics and data
Founder of BitcoinChaser
Founder of BitcoinChaser.com
Founder of BitcoinChaser
Founder of BitcoinChaser
Founder at BlockSmarter, Creator of BitcoinChaser
MARC KENIGSBERG
MARC KENIGSBERG
FOUNDER BLOCKSMARTER
Raghuram Bala
Raghuram Bala
Analytical Technology Executive
Blockchain Architect
Blockchain & AI Development Advisor