Save as pdf Onepager
01 / 14
Mortgages for
digital assets
instead of real-estate
Your terms on your loans.
Peer-to-peer mortgages, rebuilt for DeFi, agentic compatible.
Variable Terms
Zero Price Liquidation Risk
Order Matching Engine
Featured in
( for members )
The Protocol

What is MortgageFi?

MortgageFi is a modern spin on traditional mortgages, replacing physical property with digital assets like Bitcoin, all while leveraging first-class agentic platform features.

Mortgage takers deposit a down payment then make regular fixed payments for the term of the loan. Users have the option to repay mortgages early, for a fee.

Problem → Solution

DeFi lending is capital inefficient

1

Over-Collateralized

Deposit $150 to borrow $100. DeFi lending locks up more capital than it unlocks, the opposite of leverage.

Under-Collateralized

Variable down payments terms. Unlock more capital than you deposit, real leverage for DeFi.

2

Liquidation Events

One bad price wick and your position is gone. Cascading liquidations amplify crashes and destroy borrowers.

Zero Price Liquidation Risk

No price-based liquidations, ever. Missed payments trigger structured resolution.

3

Short-Term Only

Variable rates, no fixed terms. Impossible to plan around. DeFi has no product for long-horizon borrowing.

Up To 30-Year Fixed Terms

Predictable repayments over decades. Plan your finances like a traditional mortgage, on-chain.

1

Over-Collateralized

Deposit $150 to borrow $100. DeFi lending locks up more capital than it unlocks, the opposite of leverage.

Under-Collateralized

Variable down payments terms. Unlock more capital than you deposit, real leverage for DeFi.

2

Liquidation Events

One bad price wick and your position is gone. Cascading liquidations amplify crashes and destroy borrowers.

Zero Price Liquidation Risk

No price-based liquidations, ever. Missed payments trigger structured resolution.

3

Short-Term Only

Variable rates, no fixed terms. Impossible to plan around. DeFi has no product for long-horizon borrowing.

Up To 30-Year Fixed Terms

Predictable repayments over decades. Plan your finances like a traditional mortgage, on-chain.

Architecture

How it works — MortgageFi's Matching Engine

Borrower (human or agentic)
Can set or accept terms
+ makes payments
down payment→
Order Matching Engine
Market & limit orders
Partial fill matching
P2P direct contracts
Multi-fill order blending
asset principal←
Lender (human or agentic)
Can set or accept terms
+ commits asset
Roadmap

The journey

2026 Focus
Launch
Pool Model MVP, Core Contracts
Vaults
WETH-USDC (old)
WBTC-USDT
2024
CMP
Collateral Mortgage Position
Vault Launch
WETH-USDC
cbBTC-USDC
Pre-seed Round Raise
Raised $1.48m
@ $25m FDV
2025
2026 Focus
Q1 2026
UI Overhaul
UI Infrastructure Upgrades
Redeemer contract
Smart Contract UX Upgrade
Q2 2026
Architecture Upgrade
Order Matching Engine
Seed Raise
Raise of $4m
@ $25m FDV
Q3 2026
TAM
Token Alignment Module
Agentic
Tools Suite
Agentic Playground
Audit Dataroom
Skills Library
Q4 2026
Easy Earn
Simplified Lender Onboarding
TGE
Token Launch
Marketing Campaign
Multi-Asset
GOLD, ETH, RWA collateral
Airdrop
TBD
2027+
AI

AI Integration

Open to the agentic highway

Agentic internet traffic is set to eclipse human transactions through trading bots and automations over the coming years.

This is a huge opportunity for protocols like MortgageFi who can expose their entire product suite to inquisitive AI agents.

Future adoption needs to accommodate this traffic more than ever and we have a suite of developments built just for that:

Agentic Playground

Testing functions and allowing agents to build their own skills

Audit Dataroom

Structured documentation for agentic inspection and due diligence

Skills Library

Order matching, opening and managing positions on-chain

Agentic Friendly Tech Docs

Machine-readable documentation designed for autonomous agents

On-Chain Records Linking

Verifiable on-chain data linking for agent context and audit trails

Automated Marketplace

Insights to expose position opportunities to autonomous traders

numbers

Metrics & Traction

$1.48M
Max TVL
1,341
Repayments made on cbBTC vault
$1,102,005
Total value of repayments on cbBTC vault
$2,687,000
Total assets borrowed in live loan contracts
$3M
Loans taken over 3 vaults
since Oct 2024
11.4% APR
Avg yield on cbBTC vault
since July 2025 · peak 24%
Opportunity

The Market Opportunity

The Untokenized Frontier
$507T in real-world assets.
0.004% tokenized.
The gap is the opportunity. MortgageFi is the bridge between these two worlds enhanced by agentic traffic.
~$21B
Tokenized Today
$9.4T
Projected by 2030
Real-World Assets — $507T, Barely Tokenized
Real Estate
$393T
~$3B tokenized
0.001%
Ag. Land
$48T
~$50M tokenized
0.0001%
Gold
$28T
~$5.4B tokenized
0.02%
U.S. Treasuries
$28T
~$12B tokenized
0.04%
Uranium
$10B
~$9M tokenized
0.09%
Digital Assets — Natively On-Chain (100% Tokenized)
Bitcoin + Crypto
$2.5T+
100% on-chain
100%
Key Projection
$9.4T → $1–3T→ $5B
Tokenized RWAs reach $9.4T by 2030 and $18.9T by 2033 (BCG), inside a crypto + tokenized-asset market projected at $15–40T by 2035. MortgageFi's serviceable market is the composable, lendable subset — crypto plus liquid tokenized RWAs (~$1–3T).
Capture path: $100M (Y1) → $1B (Y3) → $5B+ (Y5)
Sources: BCG × Ripple; Standard Chartered × Synpulse; McKinsey.
Launch
ETH / BTC / Major Crypto
Proven, liquid markets
Core users
Scale
Tokenized Gold / Treasuries
Liquid, proven custody
Institutional
Expand
Real Estate / Uranium
Early stage, high conviction
First-mover
TVL Projection

Interactive Chart

Implied FDV vs. protocol TVL. $25M entry FDV → $10B at $100B TVL, anchored to ~10:1 industry parity (Aave, Pendle, ether.fi), as of May 2026.

Scenario TVL range: $1M to $100B

Hover the chart to explore scenario TVL

Illustrative scenario only. Shows an assumed TVL-to-implied-FDV relationship across the scenario range.

The Raise

Seed SAFE Round

Seed Round
$4M
SAFE - Simple Agreement for Future Equity (and Tokens)
$25M
Fully Diluted Valuation
16%
Of Total Token Supply
13 Month Cliff
Tokens locked for this period
Fully unlocked
After cliff period
Protocol-Aligned
Investors incentivized for long-term growth
Funds Allocation
Token

Token Flywheel

70% Buyback
Increasing Income
30% to Stakers
Fixed Supply
70%
Buyback
Protocol revenue used to buy back tokens from the open market
30%
Incentivization and Protocol Upkeep
Distributed to active liquidity providers and order book makers
Fixed Supply
No emissions = no dilution to your holdings
Increasing Income from Fees
As TVL grows, protocol fees compound, accelerating the flywheel

Supply Schedule

Max Supply
100,000,000 MGFI
Treasury — 18.46%
Team — 15%
Ecosystem Fund — 15%
Public sale — 10%
Series A — 8.92%
Seed — 16%
Points airdrops — 5%
Advisors — 3.7%
Pre-seed — 5.92%
Initial liquidity — 2%
Core

Our Team

Lil
Lead Developer
Has been developing blockchain technology since 2019. Lil's first job was working for the largest Ethereum dApp of its era. This guy knows a thing or two about the bleeding edge of Tech.
Snape
Marketing & AI
Brought the concept of MortgageFi to the team. Has been deeply involved in the crypto space since 2018, providing support for popular DeFi products through marketing and messaging. More recently has been focused on AI agentic bot creation.
DrDerivative
Smart Contract Design
With hands-on experience since 2018 Doc understands incentive-driven strategic economic smart contract design like few others. His core principles revolve around governance minimised, immutable economic models that result in maximum value for all participants.
Pwnz
Branding & UX
Go-to branding specialist for DeFi and Fintech projects since 2019 and a true crypto native since 2016. One of his core focuses is building welcoming user experiences that results in user acquisition and retention. Has been utilising AI to maximise UX.
Story

Our Story

The MortgageFi team has been building in DeFi since 2018, shipping through multiple market cycles, from DeFi Summer to the most recent bear market.

Core contributors have:
  • Co-founded and scaled a DeFi protocol (launched 2020) that reached $1.5B+ TVL within weeks
  • Built and deployed production systems across lending markets
  • Operated in both bull and bear conditions, with a focus on risk controls and capital efficiency

We also take a deliberately simple approach to smart contract engineering:

  • Minimal contract surface area, designed to be easier to reason about and audit
  • Limited external dependencies, reducing exposure to systemic failures
  • Self-contained protocol components where possible

That experience shapes MortgageFi’s approach to lending with:

  • Under-collateralised borrowing
  • Fixed repayment structures
  • A design that avoids liquidation-driven outcomes for borrowers

MortgageFi is building the next generation of DeFi credit,
with additional product innovations planned for future releases.

Thank You

Participate in this round

$4MSeed SAFE
$25MFDV
First-mover in under-collateralized DeFi mortgages. A currently untapped market with massive potential
$509T+ combined addressable market across real estate, equities, and digital assets. Less than 0.004% tokenized today with huge adoption expected to follow in the coming years
Fixed-supply tokenomics: 70% of protocol revenue allocated to buyback, accelerating value accrual as TVL grows
16% token supply at $25M FDV · 13-month cliff · fully unlocked after. Aligned for long-term protocol growth

Interested in our Seed round?

Get in touch with us
snape@mortgagefi.app