The house.com project has been positioned as a global real estate blockchain transaction cloud platform since its preparation. I-house.com focuses on integrating the global real estate transaction market through the blockchain mechanism. By linking the blockchain mechanism with real estate, real estate developers, financial institutions and their users are connected, real estate transactions are incorporated into the global "digital credit society" layout, and real estate transactions play an important role in supporting economic development. All real estate owners and investors benefit from the i-house.com real estate blockchain mechanism.

Project Highlights

IHT is a smart contract technology and distributed accounting technology specially developed under i-house.com for splitting real estate. It uses the blockchain's own trustless mechanism, tamper-proof, information transparency, co-supervision and traceability and other advantages. Through the IHT smart contract, large amounts of real estate can be split and distributed to financial institutions, thereby giving users the opportunity to invest in small amounts of funds and benefit from real estate. And guarantee the safety and low risk of investment.

The IHT1.0 service is positioned in PaaS, that is, Protocol-as-a-Service (Protocol-as-a-Service), which provides publishing platform services for the asset side ATO, and provides a mutual discovery and transaction platform for the asset side and financial institutions. At the same time, IHT will continue to operate and develop, and move towards 2.0BaaS, that is, Blockchain as a Service (Blockchain as a Service), building an asset splitting and management platform for mobile information applications for financial institutions. The final form 3.0 will evolve into a financial exchange based on physical assets, improving the liquidity of physical assets.

Application scenario

IHT draws on traditional real estate investment tools, such as REITs. Asset holders can quickly trade real estate asset ownership and income rights through third-party preliminary audits, risk control, and asset package income estimates. Through this process, the following advantages can be realized.

Wallet Composition
Wallet is mainly divided into two parts, cash and IHT
a) Cash is mainly obtained through recharge and return of funds after ATO; b) IHT is mainly obtained by users through subscription and from other users It can be purchased there, or purchased from the IHT pool of the IHT platform.

Real estate developers initiate ATO (property subscription) on the IHT platform

Real estate developers can obtain the authority to issue ATO after passing the qualification certification on the IHT platform. When real estate developers release ATO, they need to clarify the specific conditions of the real estate (such as real estate address, area, term of ownership and other relevant conditions), the share of real estate sales, whether to repurchase within a certain period of time, the effective duration of subscription, and the annualized annualized income. After the share is determined, the real estate developer needs to use the IHT in the wallet to pay the split fee corresponding to the share before they can officially release the ATO.

How do financial institutions underwrite ATO assets on the IHT platform
After the financial institution registers on the IHT platform, on the IHT underwriting platform, find the most suitable assets by screening and viewing the classification, and pay 1 IHT , may underwrite a portion of all shares of an ATO. After confirming the completion of underwriting, financial institutions can package their underwriting shares into several sub-products, publish them on their own platforms, and have a display entrance on the IHT platform for various users to view.

How do investors purchase ATO assets
After financial institutions release sub-products on their own platforms, investor users can purchase through the financial institution's sales portal; or through the IHT platform, according to the user's personal interests Recommend corresponding products according to investment capabilities, and jump to the sales page of financial institutions to make purchases.
Through the ATO of the IHT platform, investors can obtain multiple benefits

a) Investors can obtain the income generated by the premium of real estate property rights through transactions on the financial institution's own platform;
b) Investors can obtain the premium generated by IHT through the IHT in the transaction wallet Earnings;
c) When real estate developers open ATO, they will specify the annualized income corresponding to the real estate, and the user will obtain the annualized income corresponding to the purchase share.