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巴西投资银行在区块链上抵押房地产

2020-5-21 12:12

 

昨天,BTG Pactual宣布使用Tezos区块链发行其ReitBZ令牌。ReitBZ是巴西房地产支持的安全令牌。


巴西的BTG Pactual是拉丁美洲最大的独立投资银行,总资产347亿美元。去年,银行宣布将使用Tezos区块链提供安全令牌(STOs)。


2019年2月,BTG Pactual透露,它将开始在以太坊区块链上标记巴西房地产。ReitBZ已经收购了323个房地产单元,其中181个单元已经售出。该行将很快推出一个二级市场来交易ReitBZ。


ReitBZ允许个人投资巴西的房地产市场,并根据基础资产的表现获得定期分红。自2014年经济衰退以来,巴西的房地产市场一直在苦苦挣扎,而当前的COVID-19危机让复苏陷入停滞。


一般来说,房地产投资是留给机构投资者和较大的投资者的。通过标记房地产,较小的投资者就有机会轻松地购买部分房产。


“我们决定与Tezos基金会合作发行ReitBZ来测试Tezos区块链,这样我们就可以使用该技术来执行更复杂的未来STOs。”我们相信Tezos解决方案在技术上是稳健的,此次发行使我们能够保证有更多的资源投资于ReitBZ,”BTG负责STO计划的合伙人Andre Portilho说。


对于ReitBZ STO, BTG Pactual已经达到了300万美元的软上限,并设置了1500万美元的硬上限。讽刺的是,ReitBZ在巴西和美国都没有,因为监管方面的不确定性。早在2015年,BTG Pactual的创始人兼大股东安德烈·埃斯特维斯(Andre Esteves)在一项腐败调查中被捕,成为了一场争议的焦点。


Tezos是一种开源的区块链协议,以其链上治理模型、风险验证共识和正式验证智能契约的能力而闻名。最近,特许公认会计师公会(ACCA)宣布,它正在探索Tezos的会计操作。


与此同时,证券化在日本也发展了一个房地产标记化平台。总部位于东京的领英地产(Lead Real Estate)也在开发安全令牌,以便在2020年日本奥运会之前为公寓和酒店提供资金。


其它探索房地产tokenization的公司包括德国的宝文斯(Bauwens)、SK证券(SK Securities)和香港的Stan Group。

 

Yesterday, BTG Pactual announced the issuance of its ReitBZ token using the Tezos blockchain. ReitBZ is a security token backed by Brazilian real estate. 

Brazil-based BTG Pactual is Latin America’s largest independent investment bank and has total assets of $34.7 billion. Last year, the bank announced it would use the Tezos blockchain for security token offerings (STOs). 

In February 2019 BTG Pactual revealed that it would start tokenizing Brazilian real estate on the Ethereum blockchain. ReitBZ has been used to acquire 323 real estate units, of which 181 units have been sold so far. The bank will soon launch a secondary market to trade ReitBZ. 

ReitBZ enables individuals to invest in Brazil’s real estate market and receive periodic dividends based on the performance of underlying assets. Brazil’s real estate market is struggling since the recession hit the country in 2014, and the current COVID-19 crisis has put a pause on recovery

Generally, real estate investments are reserved for institutional and larger investors. By tokenizing real estate, smaller investors get a chance to buy part of a property with ease. 

“We decided to issue ReitBZ in partnership with the Tezos Foundation to test the Tezos blockchain so that we can use the technology to execute more complex future STOs. We are confident that the Tezos solution is technically robust, and this issuance enables us to guarantee more resources to invest in ReitBZ moving forward,” said Andre Portilho, BTG’s Partner responsible for the STO initiative.

BTG Pactual had reached the soft cap of $3 million for the ReitBZ STO and has set a hard cap of $15 million. Ironically, ReitBZ is not available in Brazil and the U.S., due to regulatory uncertainties. Back in 2015, BTG Pactual was at the center of a controversy when its founder and majority owner Andre Esteves was arrested in a corruption probe.

Tezos is an open-source blockchain protocol and is known for its on-chain governance model, proof-of-stake consensus, and the ability to formally verify smart contracts. Most recently, the Association of Chartered Certified Accountants (ACCA) announced it was exploring Tezos for accounting operations. 

Meanwhile, Securitize has developed a real estate tokenization platform in Japan. Tokyo-based Lead Real Estate was also exploring security tokens to fund condominiums and hotels ahead of the Japan Olympics 2020. 

Others exploring real estate tokenization include Germany’s BauwensSK Securities and Hong Kong’s Stan Group

 

来自: Ledger Insights