Unlocking (global) Property Finance
Unlocking (global) Property Finance
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Unified access to structured real-estate operations, across markets and currencies.
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Connect with verified real-estate operators and structured property deals worldwide.
Built with risk structuring, currency exposure and liquidity considerations in mind.
Q3, 2026
MVP live & ECSP Licence
2+
Deal structures :
Debt, Equity, Hybrid
Scope
EU · UK · MENA (phase 1)
Selected property operations are structured across debt, equity and hybrid formats, with clearly defined risk, cash-flow and legal frameworks.
Operations are presented in a standardised format, enabling comparison across locations, structures, currencies and timelines.
Each operation is monitored throughout its lifecycle, with predefined rules for reporting, compliance and cash-flow distributions.
Liquidity and exit mechanisms are defined upfront, depending on the operation structure, including secondary market options or termination scenarios.
Selected property operations are structured across debt, equity and hybrid formats, with clearly defined risk, cash-flow and legal frameworks.
Operations are presented in a standardised format, enabling comparison across locations, structures, currencies and timelines.
Each operation is monitored throughout its lifecycle, with predefined rules for reporting, compliance and cash-flow distributions.
Liquidity and exit mechanisms are defined upfront, depending on the operation structure, including secondary market options or termination scenarios.
Short-term and transitional financing (development, bridge, early-stage and overseas projects, < 2 years avg)
Long-term participation with rental income and capital appreciation (long-term or short-term rental, flatshare, > 2 years avg)
Equity with flexible call-out options, or development financing refinanced into stabilised Buy-to-Let operations.
Access to operations across currencies, with defined FX exposure and mitigation rules.
Dedicated local property operators execute and report under predefined mandates, governance and controls.
Liquidity and exit mechanisms defined upfront, depending on structure and jurisdiction.
ePat.me sits between :
- Bonds / traditional real estate (low yield, low flexibility)
- Stocks / crypto assets (high volatility, weak asset backing)
Each operation is structured with:
- defined risk profile,
- cash-flow logic,
- downside scenarios,
- and exit mechanics.
Structured, not speculative.
Each project relies on multiple layers of tangible and enforceable protections, which may include:
- asset-backed guarantees,
- joint and external guarantees,
- operator contractual commitments.
(Cross-border) enforceability is addressed through:
- private Arbitration frameworks,
- predefined legal jurisdictions,
- contractual enforcement mechanisms usable internationally.
Operations are:
- standardised,
- monitored throughout their lifecycle,
- reported under predefined rules.
Liquidity and exit paths (enhanced secondary market, call-out, termination) are defined at structuring stage, not improvised later.
This creates predictability, comparability and accountability across markets.
Structured exposure to real assets - not speculation:
- Diversified, asset-backed strategies ;
- Defined risk, cash-flow and exit frameworks ;
- Cross-border access without operational burden
Capital structured around real projects.
- Alternative financing for development, bridge and rental assets ;
- Successful financing enables sale, structuring and management fees ;
- Clear governance, reporting and lifecycle rules
Acting on behalf of tokenholders.
- Appointed representative at SPV level, under predefined mandates ;
- Ensures governance, reporting and rule enforcement ;
- Comparable to an SPV administrator role ;
- Handled by a Property Professional, a Broker or a Law professional
Pilot operations, manual structuring, controlled access, pre-MVP
Months 0 - 6
MVP live, standardisation, ECSP framework
Months 6 - 18
Months 18 - 24
Lower unit entry, broader deal coverage,
MiCA alignment,API integrations
Timelines indicative and subject to regulatory validation.
Each listing on ePat.me follows a standardised structure, allowing investors to understand risk, cash-flows and liquidity before participating.
Every operation clearly displays:
- Asset type, location and operating party
- Deal structure (Debt / Equity / Hybrid)
- Return sources (income, capital gain)
- Liquidity rules and exit mechanics
- Risk indicators and enforceable safeguards
This standardisation enables comparability across countries, assets and structures, while keeping each project governed by its own independent legal and operational framework.
- Operations structured through SPVs with predefined mandates
Clear separation between ownership, operations and representation
- Reporting, controls and enforcement defined before launch
- Pilot phase with restricted access and manual structuring
- Progressive alignment with ECSP / EU frameworks
- Designed to integrate MiCA-compatible tokenisation where relevant
Timelines are indicative and subject to regulatory validation.
This approach prioritises investor protection, operational accountability, and long-term platform credibility - over speed or speculation.
- Investor looking for a disciplined middle layer between bonds and speculative assets ;
- Property, legal or finance professionals looking to be part of profitable property operations ;
- Non-standard or cross-border profiles - first-time buyers, temporary contracts, non-tax residents or overseas income- seeking alternatives to traditional bank property finance ;
There are many reasons to unlock global property finance.
looking for a disciplined middle layer between bonds and speculative assets ;
looking to be part of profitable property operations ;
first-time buyers, temporary contracts, non-tax residents or overseas income - seeking alternatives to traditional bank property finance ;