Preface

How HOME3 lowers barriers to real estate through blockchain and fractional ownership.

In today’s real estate market, aspiring homeowners and investors face substantial barriers to entering one of the world’s most important wealth-building sectors. According to the National Association of Realtors, first-time buyers accounted for just 31% of home purchases in 2022, a steep decline from the historical average of 40%. This shift reflects growing affordability challenges across the industry. Rising home prices, higher interest rates, strict mortgage qualifications, and the inability to save for a down payment have left millions of potential buyers trapped in long-term renting cycles, unable to build equity or secure long-term financial stability.

These challenges are not limited to homebuyers. Real estate investment has long been accessible primarily to the wealthy, due to high minimum capital requirements, complex transaction processes, legal hurdles, and limited liquidity. Traditional investment structures often exclude everyday individuals, widening the wealth gap and concentrating opportunities in the hands of institutions and high-net-worth investors. Reports across multiple markets consistently show that institutional investors now purchase a growing share of residential properties, making it even harder for ordinary families to compete.

At the same time, global real estate has become increasingly fragmented, opaque, and inefficient. Information is scattered, transaction workflows are slow, fees remain high, and international participation is often restricted by regulations, language barriers, and lack of trust. These structural issues leave countless opportunities untapped, both for potential homeowners and for small-scale investors seeking stable, long-term returns.

HOME3 addresses these barriers head-on by leveraging blockchain technology to introduce tokenization and fractional ownership into the real estate ecosystem. Tokenization converts real-world properties into digital, verifiable assets that can be owned in fractions, enabling participation with significantly lower capital requirements. This approach also increases transparency, provides immutable ownership records, and unlocks new levels of liquidity in an industry where assets have historically been difficult to trade.

By enabling fractional ownership, automated processes, and secure on-chain verification, HOME3 empowers users to:

• Diversify portfolios across multiple real estate assets

• Gain exposure to markets previously out of reach

• Reduce reliance on traditional financing structures

• Participate in opportunities once limited to institutional investors

• Move toward homeownership through modern, accessible pathways

In essence, HOME3 bridges the gap between aspiration and opportunity. By reimagining real estate through accessibility, inclusivity, and technological innovation, we are building a more modern, transparent, and equitable ecosystem, one where ownership is no longer reserved for the few.

This is the future of real estate - a future where everyone has the opportunity to own a piece of it.