Ecosystem

The Econody Ecosystem unites three core financial solutions—Real-World Asset Marketplace, Crypto Exchange & Wallet, and Wealth Management Dashboard—into one unified, secure, and intuitive financial platform.

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Real-World Asset Tokenization Platform and Marketplace

Econody enables fractional investing and trading in previously inaccessible, illiquid assets—such as real estate, commodities, precious metals etc. —through asset tokenization.

Understanding Econody Tokenization Service

1. Tokenization Process: Physical assets are digitized into blockchain tokens, with each asset fractionalized into e.g. 100,000 standardized tokens. This process drastically lowers entry barriers, enabling fractional investment and trading. Ethereum, Polygon, Binance Smart Chain, Fantom, Polymesh supported.

2. Marketplace Listing: Tokenized assets are listed on the digital Econody RWA Marketplace providing liquidity by allowing investors to buy and sell fractions of the asset via tokens.

3. Automated Royalties & Revenue Distribution: Blockchain-powered smart contracts automatically and transparently distribute rental income, royalties, and other profits proportionally among token holders, ensuring timely, secure, and transparent payments.

4. De-Tokenization (Token Redemption) Feature: If needed, the tokenized asset could be de-tokenized. Econody offers an integrated process to convert tokenized assets back into traditional physical ownership, providing investors with flexibility to reclaim physical asset ownership when desired.

Econody ensures investors clearly and automatically receive their share of income from tokenized assets—such as rental revenue, royalties, or fund profits etc. — through blockchain-powered smart contracts.

Asset Valuation & Capital Stack click to open

When investing through Econody, investors must clearly understand two distinct yet complementary ways properties (or other real-world assets) are valued:

Asset Valuation

Traditional Asset Valuation (Off-Chain)

This is the conventional valuation performed by certified professional appraisers (for example, RICS-certified experts). They evaluate the physical asset periodically (e.g., yearly) based on:

• Actual market conditions

• Recent comparable sales

• Location and quality of the asset

• Potential rental income and cash flows

Dynamic Token Valuation (On-Chain)

This is the real-time market value determined by investor supply and demand for tokens representing the asset. Token price can fluctuate independently from traditional valuations because it’s influenced directly by marketplace trading activity and investor sentiment.

• Real-time price discovery:Investor trades instantly reflect current market perception of the asset’s value;

• Transparency: Token values are transparently stored on the blockchain, providing clear visibility at all times;

• Prevents Manipulation: Real-time, transparent market-based pricing makes valuation harder to manipulate compared to private or traditional valuations alone.

Econody combines traditional valuations (off-chain) and dynamic token valuations (on-chain) to deliver a realistic, complete, and transparent valuation model.

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Capital Stack Structure Flexibility

Econody’s tokenization solution accommodates flexible capital structures—including senior debt, junior debt, mezzanine, preferred equity, or common equity layers. The total capital stack structure (100%) is registered transparently on-chain before token issuance, clearly defining each token holder’s rights and position within the asset’s overall capital structure.

What is a Capital Stack?

The capital stack describes how a property (or asset) is funded—it's the combination of all financial layers used to purchase and own an asset. Typically, the stack includes different layers like:

• Senior Debt (Senior Loans): Secured loans from banks; lowest risk, priority repayment, lowest returns.

• Junior Debt (Mezzanine Loans): Loans with higher risk and interest rates, repaid after senior debt.

• Preferred Equity: Equity holders receiving fixed returns before common investors, moderate risk.

• Common Equity: Standard ownership shares; highest risk but potentially highest returns.

When Econody tokenizes an asset, the entire capital structure (100%)—showing clearly how much belongs to debt, equity, or any other financial layer—is transparently recorded on the blockchain (on-chain) before tokens are created.

Investors clearly see their exact position (seniority, returns, repayment order) within the asset’s financial structure, eliminating uncertainty. Investors understand risk clearly, as the blockchain shows transparently who gets paid first and last in case of asset liquidation.Econody can easily tokenize any type of investment position—from safest loans (senior debt) to higher-risk equity—creating tailored offerings that match different investor risk profiles.

Buyback (De-Tokenization) Protocol click to open

De-tokenization is the process of converting digital asset tokens back into traditional ownership or fiat currency. This typically happens when the issuer (property owner or asset manager) decides to repurchase the digital tokens, returning full ownership to themselves or another party.

Buy-Back Threshold (Investor Agreement)

Before tokens can be bought back (de-tokenized), a minimum percentage (threshold) of existing token holders must agree.This ensures fairness by preventing forced or unfair buybacks without investor consensus.Investors vote transparently through Econody’s blockchain-based system, providing collective decision-making power.

Minimum Buy-Back Price Guarantee

The issuer's minimum buyback price always equals or exceeds the original primary token offering price, protecting investor value. Investors have a clear timeframe to accept or reject buyback offers.

Buy-Back Events

De-tokenization is required in specific situations, clearly outlined from the start:

• Asset Sale: If the underlying asset is sold, token holders must be compensated first.

• Refinancing or Major Changes: Significant changes like refinancing or restructuring trigger mandatory token repurchase.

• Asset Transfer or Ownership Change: Ownership changes require prior token redemption to protect investors’ rights and maintain asset transparency.

Revenue Distribution click to open

• Automatic Smart-Contract Distribution: Payments are distributed automatically, proportionally, and transparently to all token holders using secure blockchain smart contracts, eliminating manual intervention or delays.

• Flexible Payment Intervals: Revenue distribution schedules (monthly, quarterly, annually) are clearly defined and customizable per asset. Investors always know precisely when payouts occur, enhancing transparency and reliability.

• Full Transparency & Security: Each distribution is permanently recorded on-chain, ensuring full auditability and eliminating manipulation risks. Investors can independently verify their earned income distributions at any time.

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Crypto Exchange & Crypto Wallet

Econody encompasses a Crypto exchange, Built-in Crypto wallet, and Traditional Banking Service.

Crypto Exchange: Trade all major cryptocurrencies and selected tokenized real-world assets. Econody integrated liquidity providers ensure continuous deep liquidity and optimal execution.

Custodial Crypto Wallet: A secure wallet - securely manage, transfer, and track assets. Econody allows to withdraw your assets for self-custodial option.

Bank Card: Crypto-linked bank cards bridge digital and traditional finance, enabling users to instantly convert cryptocurrencies into FIAT currency for everyday purchases and ATM withdrawals.

Exchange & Wallet Features in-depth click to open

The Econody Crypto Exchange is full-scale centralized trading platform (CEX) uniquely offering direct trading of selected large-scale tokenized assets alongside traditional cryptocurrencies.

While smaller tokenized assets (e.g., individual apartments or single-family homes) trade exclusively within Econody’s RWA Marketplace, large-scale tokenization projects—such as significant commercial properties, major real estate developments, and large commodity holdings—are directly tradable on the Econody Exchange. This direct integration significantly enhances liquidity and investor accessibility, distinguishing Econody clearly from standard crypto exchanges.

Econody Exchange features:

• Spot Trading & Charts

• Margin trading

• Order Management (limit, market, tale profit, stop limit, stop market)

• Orderbook (APY-ready)

• Custodial Wallet integration

• Copy-Trading

• De-Fi Lending

• De-Fi Staking

• Derivatives

• IEO Launchpad (‘incubator’ to fundraise for new crypto projects)

• Learn to Earn

• Liquidity Mining (pools to offer APY for liquidity provision)

• NFT Marketplace

• P2P trading

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Crypto Wallet and Banking

Econody provides clearly differentiated wallet options:

• Self-Custodial: Full ownership and control; you securely store and manage all your digital assets directly through private keys you control.

• Custodial: User-friendly custodial wallet management available, simplifying asset storage while Econody securely manages private keys on the user’s behalf.

• Multi-Asset Support: Supports major cryptocurrencies (BTC, ETH, USDT, USDC, etc.), selected tokenized RWAs, NFTs, and stablecoins in one consolidated wallet interface, ensuring effortless asset management.

Global Usability & Compliance:

Crypto-linked bank cards provided by Econody comply fully with global banking and financial regulations, ensuring wide acceptance at merchants, POS terminals, and ATMs worldwide.

OTC Counter click to open

Econody will feature an OTC (Over-the-Counter) trading desk, enabling high-volume investors to execute large transactions with enhanced privacy, minimal slippage, and deep liquidity beyond standard exchange order books.

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Wealth Management: 360° Tracker

Econody’s Wealth Management solution simplifies financial oversight by aggregating and optimizing all your assets— crypto, tokenized investments, and ALL traditional financial accounts — in one clear dashboard.

Unified Portfolio View: Easily connect and visualize multiple financial accounts and investments in one central dashboard, providing a clear overview of your complete net worth and financial health.

Comprehensive Analytics & Insights: Advanced tools enable users to track portfolio performance, fees, asset allocations, and market movements clearly. Investors receive actionable insights for informed decision-making.

Customizable Advisory & Reporting: Tailored reporting and personalized advisory services available, designed for both individual investors and institutional users, streamlining portfolio management and strategy optimization.

Security & Compliance: Bank-grade encryption and strict regulatory compliance ensure the safety, confidentiality, and reliability of your financial data.

Crypto Tax & Reporting: Automatically calculate and clearly report cryptocurrency taxes, income, and capital gains—simplifying compliance with global tax requirements.

Learn More about 360° Tracker click to open

Account Synchronization & Data Automation: Econody’s wealth management dashboard automatically synchronizes data from multiple financial institutions (banks, brokerages, exchanges), eliminating manual data entry and providing real-time portfolio updates.

Historical Data & Performance Benchmarking: Investors can access historical portfolio data, enabling clear performance benchmarking against major market indices or personal financial goals—clearly identifying strengths, weaknesses, and growth opportunities within investment strategies.

Custom Alerts & Notifications: Tailored alerts proactively notify investors about significant market events, notable portfolio shifts, or specific investment opportunities—helping investors make timely and informed financial decisions.