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Liquid Finance: Bitcoin-blended Commercial Real Estate Loans
Commercial real estate (CRE) lending has long been plagued by cyclical interest rates, manual underwriting, and limited avenues for investor participation. These structural barriers contribute to persistent housing shortages, escalating living costs, and inadequate infrastructure renewal. In an industry where loans can take months to finalize and borrowers often face prohibitive fees, innovation has lagged behind market needs.
Liquid Finance addresses these challenges with a decentralized lending protocol that combines Bitcoin (BTC) cross-collateralization, AI-driven underwriting, and a two-token model to streamline every stage of CRE financing. By pairing real estate’s stable cash flows with BTC’s growth potential, Liquid’s protocol has the capacity to reduce interest rates by up to 90%, cut deal timelines from months to days, and democratize investor access via transparent, on-chain transactions.
Crucially, the protocol supports multiple customized lending pools under a single, coherent framework, allowing underwriters to tailor collateral ratios, risk profiles, and yield targets. Liquidity providers receive dripTokens that capture principal and accrued interest (including BTC appreciation), while LIQUID governance tokens accrue protocol fees and empower holders to vote on system parameters. This architecture not only removes inefficiencies but also fosters a meritocratic, data-driven marketplace where lenders can innovate freely, and borrowers benefit from truly competitive and flexible financing terms.
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