1/ Vesta Equity has executed the first-ever home equity investment fully onchain, legally perfected under UCC-12, using Provenance Blockchain. The landmark milestone signals where financial infrastructure is headed, and is a meaningful step for the Provenance ecosystem 🧵
Vesta Equity
Vesta EquityJan 13, 23:39
We reached a historic milestone. Vesta Equity executed the first-ever home equity investment fully on-chain and legally perfected under UCC-12. Homeowners access equity without debt. Investors gain exposure to a new on-chain real world asset that bridges TradFi and DeFi the AlphaHEI. This is an inflection point for real estate finance. @provenancefdn , @NUVALabs , and @Figure. Click here to read the press release: #Blockchain #HomeEquity #RealEstate #RealWorldAssets #Tokenization
2/ Firstly, let's clarify what was accomplished: ✅A real homeowner ✅A real investor ✅A real $100,000 home equity investment ✅Executed end-to-end on a public blockchain ✅With legal perfection and regulatory integrity
3/ This is more than a loan. It's a new asset class. Vesta’s AlphaHEI™ structure allows homeowners to access liquidity without taking on debt or monthly payments, while investors gain exposure to residential real estate appreciation. That alone is a meaningful evolution in real estate finance.
4/ Why the legal detail matters: This HEI was legally perfected under UCC-12, meaning the onchain asset has enforceable legal standing in the real world. This is the difference between “tokenized” vs. institutionally viable. RWAs cannot reach mass adoption without this layer.
5/ The transaction settled entirely onchain using $YLDS, the SEC-registered, yield-bearing stablecoin issued by @Figure. That eliminated idle cash, enabled atomic settlement, and proved that regulated value transfer can happen 24/7 using blockchain infrastructure.
6/ This milestone highlighted the depth of our ecosystem: ✔️NUVA Labs providing the API and infrastructure layer ✔️Provenance supplying the compliant registry and settlement rails ✔️Figure delivering regulated on-chain money and capital markets infrastructure
7/ Zooming out: this is a major win for the RWA space. Home equity is one of the largest and most illiquid asset classes in the world, and it just became programmable, composable, and natively on-chain. That drives: → New RWA TVL → Real transaction volume → Sustainable network activity
8/ It also expands what’s possible in the future. Home equity can now: • Be financed without debt • Be pooled and securitized • Plug into DeFi vaults and strategies • Settle instantly This is how TradFi and DeFi actually converge.
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