🏛️FIVE Pillars of the H🌎ME Ecosystem
FIVE Pillars of the H🌎ME Ecosystem
H🌎ME Ecosystem Contents Table:
FOUNDATION: REGENERATIVE PROJECTS
H🌎ME DAO builds basic needs infrastructure and community collaboration at scale and manages the ownership with a web3 asset-backed ecosystem.
The world is looking for a collaborative platform to own assets that matter in their lives. We streamline collaborative ownership of mid-size ($1-25M) sustainability infrastructure, land, real estate, projects and companies that deliver our basic needs of clean energy, water, housing, food, joy and wellness. We then back our ecosystem tokens with the real world assets that are Decentralized Physical Infrastructure Networks (DePIN) such as solar arrays that are owned by H🌎ME DAO and its members.
PILLAR 1: H🌎ME DAO TREASURY🏦
Managed by the HOME DAO 🏦 Decentral Web3 Credit Union
Our decentral credit union (a web3 banking structure) is a decentralized “reserve bank” that resides on the Ethereum blockchain. It has two tokens used within its ecosystem.
🪙 HOME Token: The governance and community utility token that maintains and represents ownership of the infrastructure assets owned by the DAO. Its value is backed by the physical infrastructures purchased by the DAO and they are held transparently on the blockchain in the treasury.
🪙 YTLTY Token: The stablecoin used to provide additional capital to HOME Token holders, as a way of accessing “loans” on their assets.
The Ecosystem revolves around our utility HOME Token and its inherent unique value.
🪙 HOME Token: The revolutionary digital asset that is the first to be backed by both:
1. Physical regenerative infrastructure
2. Trust and transparency of the blockchain.
It is the first token to bridge the digital and physical world of regenerative infrastructure assets that serve the basics needs of people and their community (or as we like to say, the most meaningful assets of your home as well as direct on-site access to clean energy, water, and food.) HOME Tokens serve multiple functions:
Governance: Token holders can vote on proposals, organizational changes, investment decisions, and other critical issues to the DAO. HOME Token holders are empowered to influence decisions on the management and deployment of the physical regenerative infrastructure that backs the token.
Access to Rights: The HOME Token represents a tangible connection to the assets that are owned by the HOME DAO treasury. By holding this token, individuals gain a form of shared ownership in physical infrastructure assets serving clean energy, water, food - the most meaningful elements of their homes and communities. HOME Token also grants access to certain services, products, or benefits within the DAO's ecosystem. For instance, they might allow holders to use a platform, access premium features, and participate in exclusive events.
Trust and Transparency: Leveraging the inherent transparency of blockchain technology, HOME Token holders can trust in the system's honesty. Every transaction and decision is traceable and auditable, reducing chances of fraud or manipulation. Also, all assets and their revenues are openly visible, granting never before seen transparency in owning infrastructure.
Incentivizing Collaboration: The HOME Token serves as a reward system, encouraging joint ventures, and opportunity to “work” with the DAO and be “paid” directly for providing services to the DAO. Members who participate in decision-making, provide services, or add value to the ecosystem can earn tokens.
Payment Mechanism: HOME Tokens can also serve as a medium of exchange within the ecosystem, providing a seamless way for users to pay for services or products connected to the HOME DAO.
Asset Ownership: As the first token backed by physical sustainable infrastructure, the HOME Token offers its holders a stake in the real-world assets managed by HOME DAO. This revolutionary approach enables a new form of shared, accessible, trusted, and transparent ownership.
The HOME Token is pioneering a new way of integrating blockchain technology with sustainable, real-world assets. It's not just a digital asset; it's a tangible link to a sustainable future, promoting community participation, environmental responsibility, and sound financial growth.
THE DEFI DASHBOARD
Our DeFi Dashboard below outlines the major metrics our members will want to track as they log in to view their tokens:
HOME Token Price
YTLTY Token Price (pegged to USD)
Total of Assets Under Management
Market Value of all treasury assets
Market Cap of HOME DAO
Revenue Streams
Tokens Staked
Total Projects Owned
HOME DAO's DeFi Dashboard is an intuitive visualization platform offering users a seamless and integrated experience for tracking their HOME DAO tokens and real world value. This digital interface embodies transparency and ease of use, providing the real-time financial value of tokens, DAO assets, and revenue streams within the HOME DAO ecosystem.
The dashboard makes navigating the complex world of DeFi accessible to all. Users can see the impacts of their contributions, monitor the development of projects they are invested in, and gain insights into potential opportunities, all in one place. It is the backbone of HOME DAO's promise of meaningful equity in a collaborative network.
The HOME Token is backed by the physical assets owned by the HOME DAO. Its main function is to represent and hold the value of the assets owned by the HOME DAO treasury for the community. It uses smart contracts to represent the ownership of all real-world projects.
Mechanics of the “HOME Token”
Tokenized Project Equity
As the General Partner (GP), HOME DAO will add a 1-1 ratio of the DAO’s equity in each project’s sale price (measures in USD) value to the treasury. This will be recognized in the form of a unique Project ERC-721 token for each project that is purchased by the DAO most often done using traditional finance or TradFi.
We invest alongside our Limited Partners (LPs) or developers that brought the deal, because we believe in them also sharing skin in the game. HOME DAO’s direct investments into infrastructure projects or regenerative companies will also be added to the treasury as tokenized equity. This flexibility maintains the DAO’s ability to meet the market in a dynamic way, and adjust equity and deal structure to find a balance with developers.
Staking
The $HOME token can be staked to vote on important decisions such as what green energy projects to invest in, DAO community development, equity accountability in projects for developers and more.
As a decentralized organization, HOME DAO is dependent on HOME token holders utilizing this mechanism to guide the future of the project and the planet.
The YTLTY token
The YTLTY token leverages Ethereum smart contracts to automate the collateralization and lending of the stablecoin (called YTLTY.)
In essence, HOME DAO has adapted the traditional “central banking” model to the blockchain and web3. We have opened up its governance to a network of token holders (HOME Token holders). As a “decentralized central bank” running on the blockchain, the protocol provides a stable cryptocurrency, also referred to as a stablecoin.
You-tility Tokens (YTLTY) are a hybrid stablecoin that is backed by a basket of underlying infrastructure assets, automated mechanisms, and external actors to maintain its stable peg to the USD. For every YTLTY being minted there is a corresponding amount of HOME Tokens held in HOME DAO smart contracts. The contracts are referred to as collateralized debt positions (CDPs). Users can lock up HOME Tokens (backed by real-world assets) in CDPs and new YTLTY tokens will be released to them in exchange for the collateral.
Important to note: The value of HOME Tokens in the CDPs needs to be greater than the YTLTY being released. In other words, the CDP must be over-collateralized. So this part of the rollout for HOME DAO will be once the DAO treasury has been well established with infrastructure, and likely at $50M or more.
For instance, if a user locks up $30,000 worth of HOME Tokens, the CDP contracts will mint less than $30,000 worth of YTLTY. The amount of YTLTY tokens released will depend on the CDP’s collateral-to-debt ratio. Users are able to borrow YTLTY up to 66% of the collateral’s value, which equals a collateralization ratio of 150%.
Loan Protocol & Risk Reduction
We are creating joint venture relationships with SEC and FDIC-regulated banks to purchase 50% of their underwritten sustainable loan pool backed with Investment Grade credit.
This means there is a sub-1% default rate on the loan paper.
We lend approximately 30% of the monetary base in the DAO treasury, which allows us to be over-collateralized.
Asset Liability Management is a major focus, making sure the terms we are lending on are secure relative to the deposits in the vault.
Our goal is to continually partner with more regulated lending entities to expand the number of qualified underwritten projects.
This also allows us to build an ecosystem of financing options to drive rates lower for all associated renewable/sustainable energy developers.
As a result of creating this competitive bidding mechanism, more projects will be deployed.
This allows us to positively and directly influence the global sustainability markets through web3.
The more projects we are able to finance and build increase the profitability of the DAO.
HOME DAO LIQUIDITY POOL:
Role and Functionality of the HOME DAO liquidity pool:
The HOME DAO Liquidity Pool is a crucial part of HOME DAO's financial ecosystem. HOME DAO sets aside HOME Tokens for our treasury, those tokens are used to provide the required liquidity for the asset-backed tokens that represent the various mid-sized assets owned collectively by HOME DAO and its members.
In essence, the HOME DAO liquidity pools serve 3 functions:
Ensures seamless transactions within the ecosystem
Connects HOME DAO to other tokens on DEXs, giving access to the tokens for new members and existing members the ability to have liquidity when needed.
Generates income, thus contributing to the overall financial health and growth of HOME DAO.
Each asset in the HOME DAO, such as a solar array or a real estate property, is represented as a basket of assets that are in the treasury and given value in the price of HOME tokens. Investors can purchase these tokens, effectively owning a stake in these assets as well as governance and community benefits.
This is where the liquidity pool plays a pivotal role. It ensures that whenever investors want to buy or sell these tokens, there are enough funds available to facilitate these transactions smoothly. HOME Tokens will be listed on several DEXs (Decentralized Exchanges) enabling the market to be able to value not only the tokens for their backing, but also the revenue stream HOME DAO drives from owning cash-flowing assets such as solar arrays and real estate.
How does the liquidity pool make money, you ask? The answer lies in the concept of transaction fees. Every time a token is bought or sold - essentially, every time there's a transaction - a small fee is incurred. This fee is directed to the liquidity pool, gradually expanding its size. Over time, as the volume of transactions increases, these fees accumulate, resulting in significant revenue for the liquidity pool and, by extension, HOME DAO.
Another source of income is the appreciation of the underlying assets. As these assets, such as sustainable infrastructure or real estate, increase in value over time, so does the value of the tokens representing them. When these tokens are sold at a higher price, the profit is shared among the liquidity providers proportional to their stake, hence enriching the liquidity pool.
PILLAR 2: PROJECT P🌎RTAL
A community-driven portal to submit projects by developers, communities, and individuals. This is an incentivized aggregation of deal flow for H🌎ME DAO members to contribute exclusive deal flow, resources, and insights to help guide the DAO's investments.
PROJECT PORTAL
Submit Communities
Submit Developer Projects
Link to LIVE Dev Portal
Aggregate Pipeline of Projects
Vetting Platform
**Link** to the developer submission
Best Friend of the Developer — HOME DAO Solutions
HOME DAO’s platform eliminates the main barriers for regenerative developers building projects ($1-25M) and creates efficiency and value at every stage of a project.
HOME DAO is streamlined consistent capital for developers by providing aggregated funding mechanisms that can operate with certainty, velocity, and scale.
HOME DAO eliminates the burden of trust using our transparent blockchain platform. The dashboard shows where all investments are made, profitability metrics, energy production, proof of carbon reduction/credits, and the open vetting process is fair and valuable.
Our use of the blockchain reduces overhead by 80% or more by using the blockchain as software that dramatically reduces costs for compliance, billing, data management, reporting, accounting, and countless other efficiencies for developers.
HOME DAO speeds up the funding cycle by approaching the developer as a strategic partner that can fund a project in 2-6 weeks, rather than 3-6 months.
HOME DAO has a seamless repeatable approach to bring ****every project in the portfolio and close before any other source is even done reviewing their project. In return, developers have consistent vetting, timelines, and capital availability to a fully connected ecosystem that grows with them. We build trust with developers and can capture 90%+ of their pipeline. ****
By providing certainty, velocity, and scale to sustainable owners and developers in one easy-to-use platform, we can increase the revenue for owners/developers and make more investment revenue than the competition in the market.
PROCESS:
The developer submits a project
Project aggregated with others to achieve lower financial cost
Finance cost reduction increases the value of the project
Developers have the flexibility to choose the amount of equity they want to retain and the rest is purchased by HOME DAO
Increased value of the overall asset from better financing is split between the developer and the HOME DAO
HOME DAO gains assets:
Developers are required to purchase and stake HOME Tokens at 10-50% of the sales price with incentives to purchase more HOME Tokens
Developers receive more cash for their projects and retain equity in the collective HOME DAO Assets.
More projects mean that the HOME treasury is backed with more “physical assets”
PILLAR 3: ASSET MANAGEMENT PLATFORM
The Home DAO Asset Management Platform acts as the nerve center of Home DAO's operations. It facilitates the key function of collective ownership, investment, and management of physical assets like sustainable infrastructure. It is specifically built for managing mid-size ($1-25M) assets that deliver basic needs such as clean energy, water, housing, food, joy, and wellness.
This platform also enables the tokenization of these physical assets, effectively creating a web3 asset-backed ecosystem. This unique approach allows Home DAO and its members to own these assets collectively and benefit from their shared investments. It blends the tangible world of physical assets with the digital domain of blockchain, democratizing access to essential investments and promoting a more equitable distribution of wealth.
In essence, the Home DAO Asset Management Platform is an innovative tool that revolutionizes asset management, trust, ownership, and investment, making these once-exclusive opportunities more accessible to everyone.
Below is an example of how we “IPO” (Initial Public Offering) a project itself, that can be invested into by DAO members, directly accessing assets. We call this part of our process the “Plural Investing Application.”
We can actively engage Developers to “IPO” their projects on the HOME DAO platform using our “Plural Investing Application.” We can also specifically allow local communities to have access to purchasing their own infrastructure with geofencing. This enables local communities to have exclusive access to equity before the project is open to the larger community.
As an additional step for HOME DAO and our communities, we have built a platform that enables the raising of bonds to build the infrastructure. Infrastructure bonds present an investment opportunity for individuals and institutional investors. These bonds are generally considered to be relatively safe investments because they are backed by well-known infrastructure and have long-term off-take. This mechanism turns our strongest credit portfolio of projects into attractive options for investors looking for steady, long-term returns.
Users/Investors have an opportunity to learn about the project and have transparent real-time data:
Read a project narrative
See pictures of the site
Go to the map
Look at real-time production data
Analyze the Investment return
See carbon capture and other planet-conscious metrics
Open up a data room for all relevant project info
PILLAR 4: CREATION/FEEDBACK PLATFORM:
HOME DAO is the first blockchain-based system to speed up collaborative open-source hardware development, from ideas to prototypes, through manufacturing, sales, and distribution, based on local circular economy principles.
The “Incubator Platform” allows users, inventors, engineers, and everyone to collaborate on any products in the marketplace in real time. You can buy, give feedback, or iterate on the products all in the same place.
Collaboration is possible not only on desktop, but CAD drawings are available on mobile, and we can iterate on the go. Up to 12 engineers can log in dynamically and work on the same project collectively.
Our HOME DAO incubator platform is the ultimate Web3 style approach for inventors, engineers, and users, to all come and play with making our world a better place.
“Imagine instead of leaving reviews, you could actually iterate and comment directly on the products you use, and have an equity stake in the valuable solutions you offer. This would not only motivate you more, but also accelerate the product improvement process at a pace far beyond any current feedback systems in today's marketplace.”
This model creates a “Contribute to Earn” value system. Where users, engineers, and all parties that implement improvements are compensated for their efforts, as well as the overall DAO members themselves.
The HOME DAO Incubator Platform is directly connected to our community interactions as well. This bridges the business and personal side of the DAO, connecting our community into a network that is deeper than ever before. Any community across the globe that enhances their assets, is rewarded with a better value not only for their system, but other communities across the globe will be incentivized to reward them by purchasing their upgrade concepts as well. Creating a never before seen feedback of collaborative value sharing.
PILLAR 5: COMMUNITY ENGAGEMENT & “COGNITIVE CITY”
The HOME DAO Cognitive City is a groundbreaking manifestation of collective wisdom and technological advancements. It's an innovative virtual space where members of the DAO come together to brainstorm, make decisions, play, give feedback, and co-create. The Cognitive City facilitates dynamic interaction, collaborative ideation, and consensus-driven decision-making, all vital for the seamless operation of the DAO. It harnesses the power of Web3 technology to enable members to exchange ideas, discuss strategies, vote on proposals, and make collective decisions regarding the DAO's assets and initiatives.
The “city” is not just a metaphor, but a digitally rendered environment that allows members to interact in a multi-dimensional way. HOME DAO is the only Web3 project to have access to this AI tool, and we are in a joint venture with the CEO/Founder of the web2 platform to build the model for collective collaboration in web3 for public goods infrastructure. As he also shares the same vision for collaboration and decentralization with HOME DAO.
Beyond being a discussion forum, our "Cognitive City" is an ecosystem where knowledge, ideas, and resources are shared and where the community's collective intelligence shapes the future of the DAO. The city itself is expected to evolve and grow, reflecting the evolving aspirations and ideas of the HOME DAO community. The architecture, landmarks, and structures in this city symbolize different facets of the DAO's operations, such as its asset classes, liquidity pool, governance protocols, and more. This immersive environment embodies the philosophy of HOME DAO: democratizing ownership, fostering collaboration, and leveraging technology for sustainable development.
Our “Cognitive City” serves all of these functions:
CRM and User Database
Interactive learning AI Profiles
Networking Recommendation Engine
AI Virtual Doubles that interact to begin collaborations
Automated Networking and meeting preparation
Search Engine
Knowledge Graph
Shared discussion on regenerative lifestyle
Shared discussion on Joint Ventures
Shared Resources Library
Data library with a collection of regenerative practices
The “Cognitive City” can also facilitate meetings of thousands of members, and share the data in real-time. Practical use cases for this application are to host monthly online conferences with the intention of collaborating to solve a major need for humanity in one weekend. The first of these conferences may be, “Building the Best House on Planet Earth (ultimate living space).”
Reinventing Collaboration for a Sustainable Future
Each member of the DAO has an opportunity to “work” on contract for the HOME DAO. This enables the DAO to “hire” valuable members of our community using HOME or YTLTY tokens to build projects for the DAO while keeping all of the value within the ecosystem.
Enter HOME DAO and its innovative tools. Picture a hive-like network where collaboration isn't just possible but incentivized. A space where you can contribute ideas and gain value from the network’s evolution, and the network gains from your value creation. But communicating and sharing value is easier said than done, how does this happen? Through a revolutionary framework known as our HOME DAO “Cognitive City.”
HOME DAO takes inspiration from the natural world. Just as ants, bees, and consciousness operate in highly efficient decentralized networks, so too can HOME DAO can tap into that same power. The efforts that are shared from one user to the next are able to be put into the hive, rather than siloed. With minimal effort one time, the information is able to be accessed by everyone.
4D Homes & Cities
Not only can we build a digital “Cognitive City,” we can also build a physical “Connected Regenerative City.”
This goes into our model of the DAO owning real estate, starting with unique and beautiful assets that enable HOME DAO members to travel and experience all of the deeply satisfying elements of a regenerative lifestyle in a trial capacity. This enables people to see what a regenerative lifestyle is like, and “dip their toe in the water” to see which areas best suit their joy.
The natural progression of asset ownership in the Real Estate sector we believe will be:
Airbnb-type — short-term travel locations
Retreat centers — larger areas for groups to come for conferences with multiple dwellings on-site
Communities — Retreat centers as well as Airbnb, and shared infrastructure
City Planning — entire regenerative systems for large populations
In the future, we can expect more and less from our homes. We can expect a more local, and connected value system. We can expect less work, stress, cost.
CONCLUSION: Imagine Life Transformed:
Can you imagine life transformed? Where you own the systems that provide all your basic needs. Your home delivers abundant energy, food, and water. You are free from the constraints of money and employment. With ownership, you are totally free. The local control of your finances and basic needs in harmony with nature and your community. Opening your life to be redefined for a new way of living. With HOME DAO this is a reality now.
Pipeline - Projects Aggregated through Streamlined Funding with Capital Syndication
Platform - Ecosystem and Web3 Collaboration to increase accessibility
Protection and Profit - Asset Management System that increases the value of all of the assets themselves by aligning stakeholders as contributors and owners themselves.
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