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RECapCoin: The Future of Real Estate Lending on the Blockchain


RECapCoin (Real Estate Capitalization Coin) is not another speculative crypto—it’s real estate lending, re-engineered for the digital age.

Built inside the International Blockchain Trust Bank (IBTB) ecosystem, RECapCoin transforms how institutional-grade real estate projects are financed. Instead of acting as an investment token, RECapCoin represents a digitized loan contract, governed by the same principles banks use: collateralized underwriting, conservative risk management, and strict compliance. The difference? Our platform makes it decentralized, programmable, and accessible to vetted borrowers worldwide.

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How It Works

Every RECapCoin is minted only when a real, verified real estate loan is approved. Each token is backed by:

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  • Enforceable promissory notes

  • Secured UCC-1 liens

  • Collateralized real estate appraisals

 

And unlike speculative tokens, issuance is capped at just 70% of the “as-is” appraised property value—ensuring every deal is conservatively over-collateralized. Disbursements follow a draw schedule, mirroring traditional construction lending, while protecting token holders’ principal.

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Built-In Value and Yields

Each token is issued with the equivalent of ¼ gram of gold value, giving it a real-world pricing anchor that appeals to both crypto investors and traditional gold holders.

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  • Loan interest: 10.99% – 12%

  • Origination fees: up to 5 points

  • Oversight fees: additional revenue share

  • Yield split: 50% to token lenders, 50% to IBTB

 

When projects exit through sale, refinance, or cash-out, principal is repaid pro rata to token holders.

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From Loan to Long-Term Equity

What makes RECapCoin unique is its upgrade pathway. As projects move from construction into stabilized operation, token holders can convert RECapCoin into SmartMoney Equity Tokens. This conversion shifts their position from lenders to equity partners, granting quarterly dividends from 30% of the property’s operational profits.

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Early Access & Strategic Advantage

  • Pre-sale reservations: Investors can secure token allocations in advance of new funding rounds through smart contracts.

  • Global liquidity: Tokens are fully integrated into IBTB’s banking platform, with instant conversion to 175+ fiat currencies, stablecoins, Bitcoin reserves, and SKR’d gold accounts.

 

From one interface, token holders can stake, spend, convert, or withdraw—bringing true banking precision to blockchain finance.

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Safer Than Speculative DeFi

RECapCoin is structured as a fixed-income instrument, not equity speculation. It is legally governed, secured by liens, and enforced through contract law. This means token holders operate like lenders, not traders—shielding them from many securities-related risks.

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Part of a Complete Monetary Ecosystem

Together with:

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  • RESoftCoin (for soft costs and risk capital)

  • RESourceCoin (reserve collateral token)

  • REU-Tokens (represent the final output of value)

 

…RECapCoin powers a full credit, payment, and reserve money system. This synergy lets developers fund, repay, and even distribute profits seamlessly—without traditional banking roadblocks.

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Why It Matters

  • For investors: Access real estate lending yields without deeds, titles, or slow negotiations.

  • For developers: Unlock fast, transparent, programmable global capital.

  • For institutions: Participate in blockchain finance with the compliance, collateral, and enforcement mechanisms that mirror how banks already operate.

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The Bottom Line

RECapCoin isn’t a token pretending to be money.


It’s real money, acting as a token—secured, compliant, yield-producing, and globally scalable.

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This is where private lending, blockchain innovation, and institutional real estate finance converge—inside one trusted ecosystem.

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