Real Estate Collateral Chess Game @MavrykNetwork, @AnichessGame, @playAInetwork The act of playing chess with real estate assets as collateral transcends the realms of traditional games and finance. This concept connects real estate tokenization infrastructure, artificial intelligence advisory systems, and chess, classified as a pure skill game, into a single flow. This combination stands on technologies and systems that already exist independently, but the way they operate simultaneously is considered an unprecedented configuration. At the starting point of this structure is the on-chain representation of real estate assets. Mavryk is a physical asset tokenization system that enables fractional ownership and collateral utilization by representing actual real estate in token form. Such tokens already have use cases in financial transactions like lending or liquidity provision. However, the rights implied by these tokens are still connected to physical real estate that exists off-chain, and the transfer of ownership or execution of collateral must go through legal procedures and administrative processes. This creates a structural time difference between the speed of transactions on the blockchain and the speed of asset transfers in the real world. Chess has consistently been classified as a pure skill game in legal analysis, as it is a game of complete information without elements of chance. Anichess is a platform that implements this chess in a digital environment with a competitive and reward structure, where tournaments with prize money are also operated within the legal category of e-sports. The outcomes of chess matches are determined by the players' judgment and skill rather than chance, clearly distinguishing it from other gambling games. Here, an artificial intelligence advisory system like Play AI is integrated. Play AI is known as a network that provides automated analysis and advice in various high-risk decision-making environments, including trading, prediction markets, and games. In chess matches, such AI can analyze the players' moves or provide reference information for strategic choices. However, this advice does not replace the final decision, and the responsibility remains with the human player. To date, there are no established legal precedents holding AI accountable for losses incurred due to its advice. The core of the real estate collateral chess game is that the win or loss of a chess match is directly linked to the ownership or loss of the collateral asset. This point clearly reveals the technical limitations. On the blockchain, the match results can be immediately confirmed through an oracle, and the status of the tokens can be changed, but the execution of collateral for actual real estate involves appraisal, registration verification, and court procedures, which can take days to weeks. This time structure in the real world is fundamentally incompatible with the quick conclusions of game results. Additionally, the oracle problem dealing with physical assets remains unresolved. To accurately reflect price information or ownership status on-chain, external data providers and legal verification processes are necessary, and there have been reports of delays or errors occurring in this process. In fact, there have already been recorded cases of losses due to oracle errors and management failures in the real asset-based DeFi space. From a legal perspective, this structure does not belong to a single classification. While chess itself is recognized as a skill game, the structure of betting high-value assets like real estate, which results in financial gains or losses based on outcomes, simultaneously includes elements of gambling, derivatives, and collateral loans. Each country treats gambling and finance under different regulatory frameworks, and when the location of the asset, the region the player accesses from, and the area where the platform operates differ, jurisdictional issues become even more complex. To date, there are no clear legal precedents regarding the transfer of real estate ownership due to game results. Socially, the risks associated with games involving high-value assets have already been highlighted in various studies. High-risk gambling is strongly associated with mental health deterioration and financial ruin, and this tendency becomes more pronounced as the amounts increase. While the integration of AI advice can technically serve as a tool to assist rational decision-making, it may also function as a mechanism that justifies risk-taking behavior, as discussed in the literature. As a result, while the real estate collateral chess game involves three elements—real estate tokenization, AI advice, and skill-based games—that are each operational in reality, there has yet to be a confirmed case that resolves the technical, legal, and social issues arising from combining them into a single system. This structure is understood as an experimental combination that reveals the limitations of different domains rather than an extension of existing finance or games. $MVRK $CHECK $PLAI