homelend cryptocurrency


(Real Estate)
Homelend is a decentralized platform enabling the next generation of homebuyer mortgage financing. Homelend creates an interface for direct interaction between borrowers, lenders and other parties involved in the mortgage value chain. By doing so, it enables mortgage crowdfunding using a peer-to-peer model with the security, transparency and automation provided by distributed ledger technology (DLT) and smart contracts. Homelend is currently launching an ICO for raising capital to support our project. The offering is conducting from Zug, Switzerland (a.k.a. Crypto-Valley), under the highest standards of security and trust.

Token Sale Info:

  • Ticker: HMD
  • ICO End: TBD
  • ICO Token Price: 1 ETH = 1,600 HMD
  • Bonus: Yes
  • KYC: Yes
  • Token Type: ERC20
  • Accepts: ETH, BTC, USD
  • Soft Cap: $5,000,000 USD
  • Hard Cap: $30,000,000 USD
  • Total Token Supply: 250,000,000
  • Tokens For Sale in ICO: 64%

Blockchain & The Mortgage Industry

Many areas in the financial world have been disrupted by the Internet revolution. However, mortgage lending, despite being one of the largest areas, is still generally conducted under the same traditional system. The mortgage value chain has grown in complexity during the past three decades, due to the trend towards securitization, which has significantly amplified financial supply. Nevertheless, mortgage lending processes remain mostly paper-based and involve many players, making them complicated, tedious and slow.
This has several negative consequences for the borrower as well as for other parties involved. For instance, many borrowers are burdened by the sheer amount of paperwork they need to manage. But the large amount of documents that need to be filled and the number of entities involved in the mortgage origination process are a consequence of two facts. First, there’s a real need for information gathering, analysis and checks to guarantee that the mortgage loan will be repaid. Second, this continues to be a paper-based legacy process that has not been sufficiently modernized and aligned with technological progress.
Blockchain technology has an enormous potential to address both of these facts. Due to its distributed nature, a blockchain ledger can significantly ease the transfer of and access to information for each of the parties involved in the mortgage value chain. Also, with its unique capability to generate trust, transparency, and record immutability, it is an effective move toward digitization, not only of mortgage documentation but of all related business processes.
Read More in the Whitepaper

Homelend's Mortgage Lending Platform

  • P2P Lending and the Mortgage Industry
    • Peer-to-peer (P2P) lending, also known as “alternative finance,” is the process by which individuals can borrow and lend from each other without the intervention of banks or other financial intermediaries. It was made possible thanks to the Internet revolution. P2P lending platforms such as Prosper and Lending Club have been in operation for more than a decade in the U.S18. In fact, the market has outgrown expectations: ten years ago, experts estimated a US$10 billion market size for U.S. In reality, at the end of 2016 the market size was US$34.5 billion.
      Blockchain technology creates new possibilities for P2P lending. It’s now considered the next step in digital ledger technology (DLT), after decentralized money payments surged in the form of bitcoin and other crypto-currencies. Indeed, the immutability, transparency, and security provided by DLT makes it possible to record transactions, among them loans, without banks or other financial entities acting as middlemen.
      While numerous blockchain-based P2P lending platforms have been developed for microloans and consumer spending, no such platform exists for the mortgage market. The mortgage industry is especially susceptible from a financial and social perspective. Loans are considerably larger, and defaulting can create undesirable circumstances for individuals and families, in the case of a foreclosure. For this reason, the process of originating a loan requires a cautious analysis of many factors in order to minimize the possibility of a default. This results in a rather complex and lengthy process, which follows a specific business logic.
  • Homelend’s P2P mortgage lending mechanism
    • Homelend P2P platform works by embedding mortgage lending business logic into smart contracts. This is the platform’s core functionality. By creating a set of smart contracts that execute business processes, Homelend allows individuals to borrow money from their peers in a trusted, transparent, and secure way. The key idea is that borrowers and lenders are not linked by means of a financial intermediary (i.e. a bank or a centralized P2P lending platform), but rather by smart contracts that automatically execute a pre-defined business logic.
  • P2P Lending Methods
    • Homelend will develop three different P2P lending methods: pure crowdfunding, pooling, and auction. In each of them, the flow of financial resources is controlled and executed by smart contracts, without middlemen or financial intermediaries. Also, the splitting of mortgage loans into “slices” is present in each method. The difference between the methods arises from the specific approach used to and a pre-approved mortgage loan.
  • Closing and Mortgage Deed Assignment
    • The closing of the mortgage is the final and, typically, the more complex stage of the origination process. It requires signature approval on many documents and involves several parties. Above all, it is the moment when the property is transferred from the seller to the buyer/borrower, and when the promissory note and mortgage deed are issued and registered in favor of the lender. Fortunately, during recent years, some jurisdictions have begun allowing the closing act to take place in a digital form. New “eClosing” or “ digital closing” providers such as Notarize25 and Black Night26 have made it possible to close a mortgage from home, without needing to visit a bank or escrow agent office.


Itai Cohen


Netanel Bitan


Ricardo Henriquez

Chief Innovation Officer

Amir Nahmias

Chief Business Officer

Twitter Feed:

2 months ago
We are glad to announce that Homelend signed a partnership agreement with HY Credit Co. Ltd (“HYC”), one of the major mortgage lenders in Hong Kong.

This agreement will empower Homelend’s ability to execute its technology and serve its users. https://t.co/1P9iotT10b
HomelendHMD photo
2 months ago
We are very proud to announce that Homelend's CIO Ricardo Henríquez was a key speaker in 2018 p2p financial system international workshop held in Cleveland, OH hosted by the federal reserve Bank of Cleveland. Ricardo presented in front of the global leaders our project. https://t.co/kp7xx1smFR HomelendHMD photo
3 months ago
We want to understand what do you think about the loan Investing process https://t.co/mcbBdozu9a HomelendHMD photo
3 months ago
We want to understand what do you think about the loan application process https://t.co/cC6pJWoQ1Z HomelendHMD photo
3 months ago
Hey guys! We got the great news that our technology paper about blockchain and mortgages was accepted for a Fintech Conference at the Federal Reserve Bank of Cleveland, to be held next July 26.
We are very happy and wish to share the news with all of you 😊

Share this ICO