How ePat.me works

A structured, selective and transparent approach to cross-border property finance.

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1
Structuring

Selected property operations are structured across debt, equity and hybrid formats, with clearly defined risk, cash-flow and legal frameworks.

2
Distribution

Operations are presented in a standardised format, enabling comparison across locations, structures, currencies and timelines.

3
Monitoring

Each operation is monitored throughout its lifecycle, with predefined rules for reporting, compliance and cash-flow distributions.

4
Liquidity

Liquidity and exit mechanisms are defined upfront, depending on the operation structure, including secondary market options or termination scenarios. 

Each operation follows a predefined lifecycle, with its own distribution schedule, liquidity framework and exit conditions.

1
Structuring

Selected property operations are structured across debt, equity and hybrid formats, with clearly defined risk, cash-flow and legal frameworks.

2
Distribution

Operations are presented in a standardised format, enabling comparison across locations, structures, currencies and timelines.

Monitoring

Each operation is monitored throughout its lifecycle, with predefined rules for reporting, compliance and cash-flow distributions.

3
4
Liquidity

Liquidity and exit mechanisms are defined upfront, depending on the operation structure, including secondary market options or termination scenarios. 

Deal structures

Debt Model

Short-term and transitional financing (development, bridge, ​​early-stage and overseas projects, < 2 years avg)

Equity Model

Long-term participation with rental income and capital appreciation (long-term or short-term rental, flatshare, > 2 years avg)  

Hybrid & staged models

Equity with flexible call-out options, or development financing refinanced into stabilised Buy-to-Let operations.

Platform enablers

$£CHF

Multi-currency exposure

Access to operations across currencies, with defined FX exposure and mitigation rules.

Operator-led governance

Dedicated local property operators execute and report under predefined mandates, governance and controls.

Secondary market & exits

Liquidity and exit mechanisms defined upfront, depending on structure and jurisdiction.

Designed for disciplined cross-border property finance

A framework built to manage risk, jurisdictional complexity and operational accountability.

Mid-risk positioning

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.

Enforceable ​safeguards

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.

Transparency
from entry to exit

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. 

Transparency from entry to exit

Who ePat.me is for

A three-party infrastructure connecting capital, property operations and liquidity.

Investors

Structured exposure to real assets - not speculation: 

- ​Diversified, asset-backed strategies ;
- Defined risk, cash-flow and exit frameworks ;
- Cross-border access without operational burden

Property operators & borrowers

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

Token representatives

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

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Progressive platform deployment

Phased build-up aligned with licensing, governance and operational control

Pilot & structuring

Pilot operations, manual structuring, controlled access, pre-MVP

Months 0 - 6

Regulated deploym​​ent

MVP live, standardisation, ECSP framework

Months 6 - 18

Months 18 - 24

Platform maturity

Lower unit entry, broader deal coverage,
MiCA alignment,API integrations

Timelines indicative and subject to regulatory validation.

Inside a structured property operation

Real-estate investments, structured and governed from day one.

Built with governance and regulation in mind

A progressive deployment aligned with licensing, investor protection and operational control.

Governance-first approach

- Operations structured through SPVs with predefined mandates
Clear separation between ownership, operations and representation
- Reporting, controls and enforcement defined before launch

Regulatory trajectory

- 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.

Why this matters

This approach prioritises investor protection, operational accountability, and long-term platform credibility - over speed or speculation.

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- 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.

ePat.me

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.

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