Last updated 8 months ago
Real estate in Paraguay is illiquid, expensive, and inaccessible. Subdivisions lack financing, titles are slow, and families face barriers to ownership with no affordable rent-to-own options.
Tokenize property titles and housing subdivisions on Cardano, enabling fractional ownership, transparent registries, and rent-to-own pathways for families to access affordable housing.
This is the total amount allocated to Tokenized Real Estate & Housing Subdivisions.
Please provide your proposal title
Tokenized Real Estate & Housing Subdivisions
Enter the amount of funding you are requesting in ADA
100000
Please specify how many months you expect your project to last
8
Please indicate if your proposal has been auto-translated
No
Original Language
en
What is the problem you want to solve?
Real estate in Paraguay is illiquid, expensive, and inaccessible. Subdivisions lack financing, titles are slow, and families face barriers to ownership with no affordable rent-to-own options.
Supporting links
Does your project have any dependencies on other organizations, technical or otherwise?
No
Describe any dependencies or write 'No dependencies'
'No dependencies'
Will your project's outputs be fully open source?
Yes
License and Additional Information
Yes, the project will be fully open-sourced under the MIT license. All smart contracts, APIs, and mobile app code will be published in a public GitHub repository with documentation and deployment guides. The MIT license ensures maximum flexibility, allowing cooperatives, developers, and institutions to adopt, adapt, and expand the system across Latin America and globally, driving Cardano-powered real estate tokenization.
Please choose the most relevant theme and tag related to the outcomes of your proposal.
RWA
Describe what makes your idea innovative compared to what has been previously funded (whether by you or others).
This proposal innovates by tokenizing housing subdivision projects as profit-sharing assets on Cardano. Investors can hold tokens tied to revenues from rent-to-own schemes, while families access affordable housing through ADA or stablecoin payments. By combining business tokenization, rent-to-own financing, and mobile access, it creates sustainable returns, wider financial inclusion, and an open-source model that can be replicated globally.
Describe what your prototype or MVP will demonstrate, and where it can be accessed.
The prototype will demonstrate subdivision business tokenization, profit-sharing mechanics, and rent-to-own flows on Cardano. It will show identity verification, loan disbursement, and repayment tracking via ADA or stablecoins. A web dashboard and mobile interface will allow users to simulate ownership and investor returns. The prototype will be hosted on Cardano testnet and made publicly accessible through GitHub and a demo portal.
Describe realistic measures of success, ideally with on-chain metrics.
Success will be measured by deploying a functioning subdivision tokenization and rent-to-own scheme on Cardano mainnet, completing at least one live pilot with a cooperative, onboarding two housing developers, and conducting an initial token sale to demonstrate profit-sharing. Evidence will include smart contract audits, active wallets, transactions, and a final public report and demo.
Please describe your proposed solution and how it addresses the problem
Paraguay faces significant barriers to affordable housing and property access. Traditional financing relies on high-interest credit, which excludes many families from long-term ownership. Developers also struggle with limited liquidity, slowing down housing subdivision projects. To address this, we propose building a real estate tokenization platform on Cardano, enabling rent-to-own housing schemes and subdivision business participation.
How it Works
Subdivision Tokenization
Housing subdivision projects are tokenized as digital assets on Cardano.
Tokens represent profit-sharing rights in the subdivision business rather than the property itself, simplifying compliance.
Investors can purchase tokens in ADA or stablecoins to provide liquidity to developers.
Rent-to-Own Smart Contracts
Families enter on-chain rent-to-own agreements, tracked transparently via smart contracts.
Monthly rent payments accumulate toward ownership, reducing reliance on predatory loans.
A small service fee is added to sustain platform operations.
Identity & Compliance
All participants undergo KYC/AML verification integrated into the platform.
Legal advisors ensure compliance with Paraguayan financial and housing regulations, avoiding legal uncertainty.
Token Sale & Liquidity
Developers raise capital by selling subdivision tokens.
Investors receive profit-sharing distributions automatically via smart contracts.
Families benefit from structured pathways to ownership without excessive interest costs.
Mobile & Web Interface
A mobile app and web dashboard will provide:
Identity onboarding and wallet creation.
Access to rent-to-own contracts.
Real-time tracking of payments and ownership status.
Token sale participation and investor dashboards.
Pilot Phase
The cooperative partner seeds liquidity and runs one real rent-to-own pilot scheme.
Two housing developers are onboarded to tokenize subdivision projects.
Initial mainnet deployment ensures real users, wallets, and transactions.
Why Cardano?
Low fees & scalability: Ideal for micro-payments in rent-to-own models.
Native token support: Enables seamless subdivision tokenization and profit-sharing.
Security & compliance: Cardano’s transparent ledger supports regulatory needs.
Ecosystem integration: Compatible with Cardano wallets, identity solutions (Atala PRISM), and DeFi tools for future scaling.
Outcomes
Affordable housing access through transparent rent-to-own contracts.
Developers gain faster liquidity via subdivision tokenization.
Cardano adoption increases through real-world, high-transaction use cases tied directly to housing and finance.
A replicable model for other countries in Latin America facing similar credit and housing challenges.
Please define the positive impact your project will have on the wider Cardano community
This project will deliver tangible, real-world adoption of Cardano in Paraguay’s housing sector, a critical area of social and economic need. By combining tokenized subdivisions and rent-to-own agreements, it directly addresses both the liquidity challenges faced by housing developers and the lack of affordable credit options for families.
For Families
Provides a transparent, low-barrier path to ownership through on-chain rent-to-own smart contracts.
Reduces dependence on predatory loans and enables financial inclusion for populations often excluded from traditional banking.
Empowers individuals by tracking ownership progress directly in their mobile wallets.
For Developers & Investors
Offers tokenized profit-sharing models that create new liquidity channels for housing subdivisions.
Attracts global investors to Paraguayan housing projects through fractionalized digital tokens.
Encourages innovation in real estate finance and reduces dependency on slow, centralized credit systems.
For Cardano
Demonstrates Cardano as a real-world financial infrastructure, not just a blockchain for speculation.
Drives wallet adoption through families, developers, and investors actively using ADA and stablecoins for transactions.
Generates on-chain transaction volume, staking value, and fees tied to housing finance—a sector with enormous scale.
Positions Cardano as a leader in Latin America’s housing innovation, creating a replicable model for other emerging markets.
Systemic Change
Builds trust and transparency in housing transactions by ensuring all contracts, payments, and token flows are verifiable on-chain.
Bridges the gap between traditional housing development and decentralized finance.
Strengthens Paraguay’s role as a regional pioneer in blockchain-enabled housing finance, further linking the local economy to Cardano’s ecosystem.
This proposal doesn’t just support affordable housing; it also anchors Cardano as the backbone of a large-scale financial use case with clear benefits for developers, families, and the wider blockchain community.
What is your capability to deliver your project with high levels of trust and accountability? How do you intend to validate if your approach is feasible?
Our team combines deep real estate experience, legal expertise, and strong institutional connections to ensure the successful design, launch, and scaling of this real estate tokenization and rent-to-own platform.
Key Team Strengths
Fernando Orue – Legal & Real Estate Network Lead
Comes from a family managing one of Paraguay’s largest real estate portfolios.
Direct ownership of 4 rental units across Asunción, providing hands-on experience in property management.
Strong connections with major real estate investors and urbanization projects, enabling access to large-scale developments for subdivision tokenization.
Experienced legal advisor, ensuring compliance with Paraguayan property and financial law.
Rodrigo Enmanuel González Alonso – Project Lead & Legal Advisor
Licensed lawyer with extensive knowledge of Paraguayan financial and property regulations.
Active connections with the Capiatá Cooperative, one of Paraguay’s largest cooperatives, opening a direct channel for liquidity seeding and user onboarding.
Owner of 1 rental property, bringing practical real estate management experience to the project.
Yaqueline Escobar – Governance & Community Engagement
Legal governance expert with strong ties to cooperative networks, especially Capiatá Cooperative.
Focused on regulatory compliance, consumer protection, and building trust between developers, investors, and future homeowners.
Will lead public engagement and awareness campaigns to ensure adoption and transparency.
Feasibility Advantages
Real Market Access: Direct partnerships with housing developers, cooperatives, and investors ensure immediate applicability.
Legal Expertise: In-depth knowledge of property law, financial compliance, and cooperative frameworks guarantees regulatory feasibility.
Institutional Backing: Cooperative and developer connections provide both liquidity and a ready pipeline of housing projects.
Practical Experience: Team members already own and manage rental properties, giving them operational insights into the pain points this solution addresses.
By combining legal expertise, real estate ownership, and institutional relationships, the team has the knowledge, access, and credibility to deliver a functioning, regulatory-compliant tokenization platform that can scale from pilot to full adoption.
Milestone Title
ilestone 1: Diagramming & Schemes
Milestone Outputs
Output: Creation of detailed system blueprints covering tokenization mechanics for housing subdivisions, profit-sharing models with developers, and rent-to-own repayment flows. Includes legal mapping of land titling processes, cooperative structures, and subdivision integration.
Acceptance Criteria
Acceptance Criteria: Delivery of at least three complete technical and legal schematics validated by our legal advisors and reviewed with cooperative stakeholders. Stakeholders must provide written approval and confirm that models are realistic for implementation.
Evidence of Completion
Evidence of Completion: Diagrams and documentation published on GitHub, along with written validation notes from advisors and confirmation letters from the cooperative endorsing the prepared schemes.
Delivery Month
3
Cost
30000
Progress
30 %
Milestone Title
Milestone 2: Legal Framework & Partnerships
Milestone Outputs
Output: Development of a full legal framework ensuring tokenization, subdivision participation, and rent-to-own contracts align with Paraguayan law. Establishment of compliance processes for property titles, cooperatives, and taxation. Signed MOUs with at least two developers to secure future pilots.
Acceptance Criteria
Acceptance Criteria: Legal advisors approve the framework with documented reviews. Cooperative provides official endorsement. Signed MOUs from two Paraguayan developers confirming willingness to participate in pilots. All documents must be made publicly accessible.
Evidence of Completion
Evidence of Completion: Published compliance framework summary, signed developer agreements, cooperative endorsement letters, and legal validation files uploaded to the project repository.
Delivery Month
6
Cost
30000
Progress
60 %
Milestone Title
Milestone 3: Smart Contracts & Onboarding Tests
Milestone Outputs
Output: Deployment of smart contracts on Cardano testnet covering token issuance, repayment structures, and subdivision tracking. Onboarding of pilot users from cooperative members with simulations of rent-to-own schemes and partial subdivision profit-sharing
Acceptance Criteria
Acceptance Criteria: At least two functional smart contracts deployed on testnet without major security issues, validated through audit. Pilot onboarding of at least 20 cooperative participants completed, with reports on their user experience. Feedback gathered to improve workflows.
Evidence of Completion
Evidence of Completion: GitHub repositories with complete source code, transaction hashes from Cardano testnet, pilot feedback surveys, demo recordings, and published audit summary confirming contracts passed review.
Delivery Month
7
Cost
30000
Progress
90 %
Milestone Title
Milestone 4: Token Sales, Mainnet Launch & Final Reporting
Milestone Outputs
Output: Full deployment of contracts on Cardano mainnet, execution of first token sale tied to subdivision projects, and activation of a live rent-to-own scheme with cooperative participants. Project concludes with transparent reporting and close-out video.
Acceptance Criteria
Acceptance Criteria: Smart contracts live on Cardano mainnet with successful transactions. At least one rent-to-own pilot executed with cooperative members. Token sale concluded with publicly verifiable records. Submission of final report and video to the Cardano community.
Evidence of Completion
Evidence of Completion: Published mainnet transaction hashes, token sale receipts, cooperative confirmation of pilot execution, and final public close-out report and video documenting impact, lessons, and roadmap for scaling.
Delivery Month
8
Cost
10000
Progress
100 %
Please provide a cost breakdown of the proposed work and resources
Aiken Smart Contract Developer (25k ADA): Development of tokenization contracts (rent-to-own logic, profit-share distribution, property registry linkage). Includes integration with Cardano standards and testing.
Backend Engineer (15k ADA): Build server-side infrastructure, user accounts, cooperative integration, repayment tracking, and transaction execution.
Rationale: Smart contracts and backend are the foundation of the platform, ensuring security, compliance, and scalability.
Frontend/UI Developer (12k ADA): User-friendly mobile + web interface for property selection, token purchase, repayment tracking, and wallet connection.
UX Design & Prototyping (5k ADA): Wireframes, flows, and usability testing to ensure adoption by non-technical users.
Mobile Integration Tools (3k ADA): Libraries and SDKs for Android/iOS wallet integration.
Rationale: Adoption depends on a clear, simple interface that allows Paraguayans to access tokenized properties easily from mobile devices.
Independent Audit Firm or Cardano Security DAO engagement.
Rationale: Tokenized real estate carries financial/legal weight. A professional audit ensures security, trust, and avoids regulatory/technical risks.
Legal Drafting (5k ADA): Contracts for rent-to-own agreements, subdivision title tokenization, and investor participation.
Compliance Review (5k ADA): Ensures Paraguayan cooperative laws, real estate regulations, and securities laws are met.
Rationale: Legal strength is critical for legitimacy and adoption with cooperatives and developers.
Servers & Hosting (3k ADA): Cloud infrastructure for backend, APIs, and off-chain services.
Workstations & Hardware (2k ADA): Developer-grade laptops and testing devices for Cardano app integration and smart contract deployment.
Rationale: Stable, secure infrastructure and tools are required for reliable development and deployment.
Workshops & Seminars (4k ADA): Educational events with cooperatives, developers, and investors.
Marketing & Awareness (3k ADA): Content, social media, and materials to explain tokenization and rent-to-own to the public.
Rationale: Builds adoption and ensures stakeholders trust and engage with the project.
Project Coordination (6k ADA): Oversight by legal and financial advisors (Rodrigo, Yaqueline, Fernando).
Final Close-Out Report & Video (2k ADA): Public-facing deliverables documenting milestones, impact, and lessons learned for Cardano Catalyst community.
Rationale: Ensures accountability, transparency, and proper communication of results.
How does the cost of the project represent value for the Cardano ecosystem?
This project delivers strong value for the Cardano ecosystem by directing the majority of funds (72%) toward core development and security. By prioritizing smart contract engineering, mobile integration, and independent audits, we ensure the platform is secure, scalable, and ready for real-world adoption.
Direct Utility: On mainnet, the dApp will tokenize property titles and enable rent-to-own, creating a tangible financial product that drives real ADA transaction volume.
Scalability: A mobile-first approach ensures accessibility for thousands of cooperative members across Paraguay, maximizing user onboarding.
Legal Integration: Allocating 11% of funds to compliance ensures regulatory acceptance, reducing barriers for adoption and setting a template for other LATAM markets.
Community Leverage: 8% toward outreach builds partnerships with housing developers and cooperatives, ensuring early liquidity and users from day one.
Lean Management: At only 4% of budget, project management ensures accountability and Catalyst reporting without unnecessary overhead.
For 100,000 ADA, this proposal not only delivers a working real estate tokenization platform on mainnet but also pilots live housing schemes with Paraguayan cooperatives and developers. The outcome is a reusable, open-source framework (MIT license) for real estate tokenization that other communities in Cardano can adopt globally.
The long-term impact far exceeds the cost: every property tokenized and every rent-to-own agreement generates ADA fees, wallet adoption, and transaction activity, directly benefiting the Cardano network while advancing financial inclusion in Paraguay.
Terms and Conditions:
Yes
Team Credentials: https://drive.google.com/drive/folders/17PaT4iuro8SyORfhMxQXWBYwOfVvcRjl?usp=drive_link
Rodrigo Enmanuel González Alonso – Project Lead & Legal Advisor
Licensed lawyer specializing in financial compliance and blockchain legislation.
Direct ties to Paraguay’s cooperative system, including Capiatá Cooperative, one of the country’s largest.
Owns rental property and understands legal/financial requirements for real estate.
Will oversee project delivery, compliance, and cooperative onboarding.
Yaqueline Escobar – Legal Advisor & Public Relations Lead
Experienced in governance and public policy.
Strong community engagement background, with direct relationships at Capiatá Cooperative.
Will manage outreach, communications, and ensure contracts align with cooperative needs and public trust.
Fernando Orue – Legal Advisor & Real Estate Network Lead
Comes from a family managing one of Paraguay’s largest financial institutions.
Owns multiple rental units across Asunción, giving him direct operational insight into property management and tokenization potential.
Has access to real estate investors and urbanization projects.
Will secure developer partnerships and oversee regulatory compliance for housing projects.
Technical Team (to be hired) – Smart Contract & App Developers
Frontend Developer: UX/UI specialist to build the mobile and web interface for token access and rent-to-own tracking.
Backend Developer: Database and infrastructure specialist to integrate user accounts, cooperative data, and transaction flows.
Aiken Smart Contract Engineer: Specialist in Cardano-native development who will build and test tokenization contracts, ensure audit-readiness, and deploy on mainnet.
Why We Can Deliver:
Direct access to cooperatives, developers, and investors ensures adoption.
Legal and compliance expertise ensures regulatory soundness.
Real estate ownership and networks provide practical grounding.
Technical hires cover all blockchain development needs.
Together, this team bridges law, finance, real estate, and blockchain technology—the essential components for successful subdivision tokenization and a live rent-to-own pilot on Cardano.