Real-asset collateral
Xcapit Impacto · Solution 02
Real-asset collateral
by Xcapit
Livestock as collateral to access credit
Banks and fintechs gain verifiable collateral with compliance rules built in
Real-asset collateral
The problem
They own cattle, but not a guarantee a bank accepts.
Without an accepted guarantee, credit does not reach the producer.
Real-asset collateral
What it is
Verified head of cattle, turned into collateral
We tokenize identified, verified head of cattle —with an ear tag or RFID, health record and location— inside a trust to back a loan; the token is released when the loan is repaid.
Real-asset collateral
How it works
From identified animal to credit, until the collateral is released
01
Identify and verify
Ear tag or RFID, health record and location.
02
Tokenize in a trust
Each verified head is backed inside the trust.
03
Back the credit
The token acts as collateral for the loan.
04
Release the token
When the loan is repaid, the token is released.
An ear tag is the animal's ear identification.
Real-asset collateral
Technology
Three pieces for verifiable collateral
- Token
ERC-3643
Permissioned token standard with compliance rules built in.
- Identity
QuarkID
Verifiable digital identity for the people involved.
- Structure
Trust
The structure that holds the tokenized asset and backs the loan.
Real-asset collateral
Value added
What each party gains
- Producers
Producers with livestock but no accepted guarantee get access to credit
- Banks and fintechs
Banks and fintechs gain verifiable collateral with compliance rules built in
- When the loan is repaid
The token is released when the loan is repaid
Real-asset collateral
Previous experience
Previous experience: blockchain-collateral credit for Naranja X
Figures from the stablecoin-collateral credit project for Naranja X, not from cattle.
- activation
- 81%
- default
- 0%
Source: stablecoin-collateral credit project for Naranja X.
Real-asset collateral
Previous experience
We have already built collateralized credit and asset tokenization
- Credit
Naranja X
Stablecoin-collateral credit for Naranja X
- Trust
Bind Bank
collateralized credit trust with Bind Bank
- Tokenization
EPEC
renewable energy tokenization with EPEC
Previous tokenization experience, on a different type of asset.
Real-asset collateral
Who it is for
Built for those who originate rural credit
- Agri banks and fintechs
- Cooperatives
- Rural financial inclusion programs
Real-asset collateral
How we start
A focused pilot in one country
Each solution can start with a focused pilot in one country and grow on the same infrastructure.
This deck presents the solution and our previous experience. The concrete first step is to define the pilot with you.
Real-asset collateral
Why Xcapit
We build blockchain financial infrastructure
- founding year
- 2018
- information security management
- ISO/IEC 27001
Córdoba · Lima · Miami
QuarkID, co-created by Xcapit, is a certified Digital Public Good.
Xcapit INC (USA) · CryptoLab S.A.S. (Argentina) · Xcapit SAC (Peru)
Real-asset collateral
Let's talk about a pilot in your region.
Each solution can start with a focused pilot in one country and grow on the same infrastructure.
Or write to hola@xcapit.com
calendly.com/jose-xcapit/30min
Xcapit INC (USA) · CryptoLab S.A.S. (Argentina) · Xcapit SAC (Peru)