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 debt. No broker. Four steps from appraisal to quarterly yield.
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.
Pledge — not borrowing
You pledge a portion of your tokens (typically 60–80%) to DeedRiver Capital. Capital is advanced against the pledged tokens at ~70% LTV. You never incur personal debt — the advance is against token collateral, not against you personally.
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 an institutional-grade team with a verified five-year track record. The fund targets a 12% gross annual return, a conservative figure relative to the historical performance.
Past performance does not guarantee future 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 a 12% 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 (12%)
$700,000 × 12%
$84,000
Management fee (1.25% AUM)
$700,000 × 1.25%
−$8,750
Performance fee (10% above 8%)
($84K − $56K) × 10%
−$2,800
Net annual yield to homeowner
$72,450
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
DeedRiver vs. HELOC
On the same $700,000 in deployed capital — one costs you $56,000 a year, the other pays you $72,450.
HELOC @ 8%
DeedRiver
Annual cost / benefit
−$56,000 in interest
+$72,450 net yield
Debt incurred
Yes — personal liability
No
Monthly payments
Yes
No
Bank approval required
Yes — credit check
No
Rate risk
Variable — can rise
Investment-linked
DeedRiver is not a debt instrument. This is not investment advice. Past performance does not guarantee future results.
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 not a mortgage product. Tokens are not debt instruments. 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. The 12% gross target is conservative relative to the five-year track record, but past performance does not guarantee future results. You may receive less than projected.
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.