RWA Engine

Tokenize real-world assets: gold, water rights, mines, T-bills, and revenue-generating contracts.

🏆 Supported Asset Classes

  • Precious Metals: Gold, silver, platinum (physical or vault-backed)
  • Natural Resources: Water rights, mining claims, timber rights
  • Securities: T-bills, bonds, structured notes
  • Real Estate: Commercial properties, hotel contracts, land parcels
  • Revenue Streams: Royalties, licenses, franchise fees

📊 Tokenization Process

  1. Asset owner submits documentation and valuation
  2. AI RWA agent verifies authenticity and legal ownership
  3. Third-party appraisal confirms fair market value
  4. Vault NFT created on XRPL with metadata link (IPFS)
  5. Credit line established based on asset LTV ratio

Loan-to-Value (LTV) Framework

Each asset class has a maximum LTV ratio determined by liquidity, volatility, and legal enforceability:

Conservative

  • Gold: 75% LTV
  • T-Bills: 85% LTV
  • Prime Real Estate: 70% LTV

Moderate

  • Water Rights: 60% LTV
  • Mining Claims: 50% LTV
  • Royalty Streams: 55% LTV

Aggressive

  • Exotic Assets: 40% LTV
  • Unproven Royalties: 35% LTV
  • Frontier Markets: 45% LTV

Dynamic LTV Adjustment: AI RWA agent monitors market conditions and adjusts LTV ratios monthly. Users receive alerts if their vault approaches margin call thresholds.

Vault NFT Structure

Each tokenized asset is represented as a Vault NFT on the XRPL. The NFT contains:

  • Asset Metadata: Type, description, location, ownership documents (IPFS link)
  • Valuation Data: Appraisal date, appraised value, last sale price
  • Credit Line: Max borrowing capacity, current utilization, interest rate
  • Custodian Info: Physical custodian (if applicable), insurance policy
  • Legal Framework: Governing law, dispute resolution mechanism

Example NFT ID: 000813E...A2C5B
Asset: 100 oz Gold Bars (Perth Mint)
Appraised Value: $190,000 | LTV: 75% | Credit Line: $142,500
IPFS: ipfs://Qm...

Revenue Distribution

For income-generating assets (e.g., hotel contracts, royalties), cashflows are automatically distributed:

  • Direct Deposit: Revenue flows into vault owner's wallet as stablecoins
  • Loan Servicing: If vault has an outstanding loan, interest is auto-deducted
  • Platform Fee: 2-5% service fee on revenue streams
  • Yield Distribution: Can be set to auto-compound or monthly payout

Smart Contracts: Payment rails built on XRPL Payment Channels for instant, low-fee distributions.

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