THE MECHANICS
Your equity works for you.
Not the bank.
DeedRiver converts your home equity into tokens you own and control. No deed transfer. No broker. Designed to test structures where verified equity can support a non-recourse collateral advance — not a traditional HELOC. Final treatment depends on transaction documents, state law, mortgage terms, and regulatory review.
FOUR STEPS
Tokenization
DeedRiver mints 1,000 DEED tokens representing 100% of your net equity — property value minus any existing mortgage balance. Your deed never moves. Title stays with you at all times. You receive all 1,000 tokens immediately.
Works with mortgaged homes. The mortgage holder's first lien is untouched.
Non-Recourse Collateral Advance
You pledge a portion of your tokens (typically 60–80%) to DeedRiver Capital. DeedRiver is designed to test structures where verified equity can support a non-recourse collateral advance — not a traditional HELOC. Final treatment depends on transaction documents, state law, mortgage terms, and regulatory review. A regulator or securities lawyer may characterize the structure differently depending on jurisdiction and documentation.
Unpledged tokens remain fully unencumbered. The pledge can be reduced or exited at any time.
Fund Deployment
Advanced capital is deployed into the DeedRiver Capital fund — managed by the former CTO of BFAM Partners. The team's experience includes institutional trading systems and fund infrastructure associated with BFAM Partners. DeedRiver's fund is new and has no independent operating track record. The fund targets an 8% gross annual return. Returns are variable and not guaranteed.
Historical references to BFAM Partners are team background only — not DeedRiver fund results.
Yield Distribution
Returns are distributed quarterly to your DeedRiver account, net of platform fees. Withdraw, reinvest, or accumulate. Exit anytime by reducing or removing your pledge to recover your full token position.
No lockup period. No prepayment penalty.
ILLUSTRATIVE EXAMPLE
$1M home. 70% pledge. $72,450 net annual yield.
Free and clear. Numbers are illustrative based on an 8% gross fund return target.
Item
Calculation
Amount
Net equity tokenized
$1,000,000 × 100%
$1,000,000
Tokens minted
1,000 DEED @ $1,000/token
1,000 tokens
Tokens pledged
700 of 1,000
$700,000 collateral
Capital deployed to fund
$700,000
Gross fund return (8%)
$700,000 × 8%
$56,000
Management fee (1.25% AUM)
$700,000 × 1.25%
−$8,750
Performance fee (10% above 8%)
At hurdle — $0
−$0
Net annual yield to homeowner
$47,250
Illustrative only. Past performance does not guarantee future results. This is not investment advice. Estimates based on target fund returns.
EQUITY SCENARIOS
Works with your existing mortgage
DeedRiver does not require a paid-off home. Tokens represent the equity layer only — your mortgage holder's first lien is untouched and senior in all scenarios. The economic sweet spot is $500,000 or more in net equity.
Scenario
Property Value
Mortgage
Tokenizable Equity
Free & Clear
$1,000,000
$0
$1,000,000
Typical
$1,000,000
$600,000
$400,000
Leveraged
$1,000,000
$800,000
$200,000
COMPARISON
How the structures compare
DeedRiver is not free leverage. Capital advanced against tokenized collateral carries a cost — embedded in the fund structure through fees, capital partner terms, and investment risk. The structural differences below are what distinguish it from a HELOC or home equity agreement.
HELOC
MONTHLY PAYMENT
Yes — monthly interest required
RECOURSE
Usually yes — personal liability
RATE / COST
Stated interest rate (currently 8–10%)
UPSIDE / DOWNSIDE
Borrower keeps all investment upside and absorbs all loss
Home Equity Agreement
MONTHLY PAYMENT
No monthly payment
RECOURSE
Usually limited — tied to property value
RATE / COST
Share of future home appreciation (typically 15–40%)
UPSIDE / DOWNSIDE
Investor shares in property upside; homeowner gives up a portion permanently
DeedRiver Yield Deed
MONTHLY PAYMENT
Designed for no monthly payment
RECOURSE
Intended non-recourse to homeowner
RATE / COST
Capital cost + platform fees + investment risk embedded in fund
UPSIDE / DOWNSIDE
Returns variable — dependent on fund performance, capital cost, and market conditions
DeedRiver is designed as a non-recourse collateral advance structure. Capital cost is embedded in fund fees, capital partner terms, and investment performance — not a stated interest rate. Final characterization of the structure depends on transaction documents, state law, and regulatory review. This is not investment advice and does not constitute an offer to lend or invest.
COMPARISON
DeedRiver vs. Reverse Mortgage
A reverse mortgage transfers compounding risk to the homeowner. DeedRiver keeps you in control — no interest, no mandatory insurance, no lender deciding when you sell.
Reverse Mortgage
DeedRiver
Interest accrues
Yes — compounds daily
No
Mortgage insurance
Required (MIP)
None
Homeowner controls pace
No
Yes
Estate retains equity
Often little or none
All unsold tokens
Upfront fees
$6,000+
Sub-1%
Age requirement
62+ required
No minimum
DeedRiver is designed as a non-recourse collateral advance, not a mortgage product. Final treatment depends on transaction documents, state law, and regulatory review. Currently available to accredited investors in Wyoming.
FEES
Transparent. No surprises.
No HELOC interest. No origination fees. No mortgage insurance. No broker commissions.
Fee
Rate
Basis
Tokenization
0.35%
One-time, on net equity at onboarding
Management
1.25% AUM
Annual, on deployed capital only
Performance
10%
Of returns above 8% hurdle rate
Marketplace
1.0–1.5%
On token sale value, buyer + seller split
RISK FACTORS
What you should know
We believe in direct language. These are the risks homeowners should weigh before participating.
Property Value Decline
Token values are pegged to an automated valuation model (AVM). A significant decline may trigger an LTV adjustment. The platform maintains a conservative 70% LTV threshold with an annual AVM refresh and dispute mechanism.
Fund Performance
Returns are investment-linked, not guaranteed. DeedRiver's fund is new and has no operating history. The fund manager's background at BFAM Partners is provided as team context only — it is not a representation of DeedRiver fund results. You may receive less than the 8% gross target.
Lien Priority
If you have an existing mortgage, the first mortgage holder has a senior claim. Token holders hold subordinate equity interests. If you default on your mortgage, the first lien holder's claim takes precedence.
Marketplace Liquidity
Early-phase marketplace trading may have limited depth. The yield product does not depend on marketplace liquidity, but token resale timing cannot be guaranteed.
Due-on-Sale Clauses
Most mortgages include due-on-sale clauses triggered by property interest transfers. The synthetic token layer is not a recorded property interest and likely does not trigger this clause — but we recommend seeking lender consent where possible.
READY TO START
See what your equity could earn.
Enter your home value and equity. Get a personalized yield estimate in under a minute.
Currently available to accredited investors in Wyoming. This is not investment advice. Past performance does not guarantee future results.