REU-Tokens: Pay-With-Equity Utility for Real Estate Projects

REU-Tokens transform completed real estate projects into programmable equity—bridging the gap between construction finance and long-term ownership.

Where RECapCoin funds secured lending, RESoftCoin fuels early-stage capital, and RESourceCoin anchors reserves, REU-Tokens represent the final output of value: fractional ownership of stabilized, income-producing property.

How It Works

REU-Tokens are minted only after a project is built, stabilized, and generating revenue. Unlike loan-based tokens, they function as a post-construction utility token, providing direct exposure to the completed property.

Each REU-Token represents a proportional share of the project’s equity value and is programmed with smart contract logic that enables:

Repayment of RECapCoin and RESoftCoin lenders
Exchangeability inside IBTB for fiat, stablecoins, or services
Conversion into permanent property title (for qualifying token holders)
Proof that the project created real, on-chain value

This pay-with-equity model mirrors traditional developer refinancing or sale events—but with blockchain efficiency and transparency.

Built-In Value and Yields

REU-Tokens are tied directly to the operational success of the completed property.

Value basis: Final appraised property value
Yield: Ongoing dividends from 30% of net operating profits
Utility: Redeemable within IBTB for cash, services, or title transfer

This makes REU-Tokens a true wealth-creation instrument for long-term holders.

From Construction to Wealth-Building

REU-Tokens mark the transition from debt financing to equity ownership. Token holders gain:

Quarterly dividends from stabilized property operations
Optional title conversion for direct property ownership
Tradability within IBTB’s on-chain marketplace

This turns real estate development into a scalable, investor-accessible asset class with no reliance on traditional deed transfer complexity.

Early Access & Strategic Advantage

Guaranteed allocations: Token lenders (RECapCoin and RESoftCoin holders) have first rights to convert into REU-Tokens.
Liquidity-ready: Fully tradable inside IBTB’s ecosystem, with instant conversion to fiat, stablecoins, BTC reserves, or gold-backed accounts.
This mechanism rewards early-stage lenders while creating new entry points for long-term equity investors.

Safer Than Speculative DeFi

Unlike volatile “utility tokens” with unclear value, REU-Tokens are minted only from real-world, cash-flowing assets. Their worth is tied directly to appraised property value and rental income streams, ensuring they function as compliant equity instruments rather than speculative coins.

Part of a Complete Monetary Ecosystem

Alongside:

RECapCoin (secured lending)
RESoftCoin (risk and soft-cost funding)
RESourceCoin (reserve collateral)

…REU-Tokens close the loop by converting financed projects into permanent, tradeable equity.

Why It Matters

For investors: A direct stake in income-generating property without traditional barriers.
For developers: A programmable equity solution that repays debt while rewarding capital providers.
For institutions: A compliant, scalable model of equity distribution that aligns with global banking logic.

The Bottom Line

REU-Tokens aren’t speculation.

They are programmable property equity—dividend-yielding, tradeable, and upgradeable into real title.

Together with RECapCoin, RESoftCoin, and RESourceCoin, REU-Tokens complete IBTB’s full-spectrum BankFi ecosystem, turning real estate into a globally accessible digital asset class.