RESoftCoin: Risk-Capital Fuel for Real Estate Growth

RESoftCoin bridges the gap between vision and execution by funding the “soft costs” and risk capital every real estate project needs to launch.

Where RECapCoin powers secured, collateralized loans, RESoftCoin finances the upfront expenses, entitlements, and early-stage capital that traditional banks avoid. This makes it the flexible companion to RECapCoin inside IBTB’s ecosystem—together, they create a complete capital solution for real estate developers and global investors.

How It Works

RESoftCoin is minted only when a project is formally structured, documented, and approved by IBTB’s oversight committee. It is not unsecured speculation—it is a tokenized promissory note that carries clear repayment terms tied to the success of the underlying project.

Funds raised through RESoftCoin typically cover:

Land deposits and entitlements
Architectural and engineering fees
Permits and zoning costs
Legal, compliance, and title structuring
Initial equity requirements for construction loans

This positions developers to meet bank underwriting requirements and unlock larger RECapCoin-backed funding.

Built-In Value and Yields

RESoftCoin balances higher risk with higher return potential for token holders.

Loan interest: 12% – 15% (project-dependent)
Origination fees: up to 7 points
Oversight fees: structured into revenue share
Yield split: 50% to token lenders, 50% to IBTB

Repayments flow directly from project financing milestones and eventual project exit, ensuring token holders capture premium returns for early-stage support.

From Risk Capital to Long-Term Equity

Like RECapCoin, RESoftCoin also offers a conversion pathway. At stabilization, token holders can convert into SmartMoney Equity Tokens, giving them access to ongoing dividends from 30% of property operational profits.

This optional upgrade transforms high-yield debt into long-term wealth creation.

Early Access & Strategic Advantage

Pre-sale reservations: Qualified investors can commit capital early, securing allocations for high-demand projects.
BankFi integration: Tokens are embedded into IBTB’s closed monetary ecosystem with seamless liquidity into fiat, stablecoins, Bitcoin reserves, and gold-backed accounts.
From day one, token holders can stake, convert, or withdraw through the same secure interface.

Safer Than Speculative DeFi

While RESoftCoin carries more project risk than RECapCoin, it is still structured as a contract-backed loan instrument, not a speculative bet.

Each issuance is tied to enforceable agreements and overseen by IBTB’s governance framework, ensuring accountability and transparency throughout the project lifecycle.

Part of a Complete Monetary Ecosystem

Together with:

RECapCoin (secured, collateralized lending)
RESourceCoin (reserve collateral token)
REU-Tokens (represent the final output of value)

…RESoftCoin completes the funding stack, ensuring every project phase is financed—from vision to entitlements to stabilized operation

Why It Matters

For investors: Capture premium yields for funding the riskiest but most essential stage of real estate development.
For developers: Access the working capital banks won’t provide—without losing control or speed.
For institutions: Deploy capital into early-stage real estate with blockchain efficiency and legal safeguards.

The Bottom Line

RESoftCoin isn’t a gamble.

It’s structured risk capital—programmable, compliant, and yield-driven—fueling the earliest stages of real estate growth.

Together with RECapCoin, RESourceCoin, and REU Tokens, it forms the engine of IBTB’s BankFi ecosystem, connecting global capital to real estate projects with unprecedented speed and precision.