Smart Contract Roadmap

Liquid Finance’s decentralized protocol has three additional critical components: a Data Oracle, an Automated Market Maker (AMM), and fund-level Decentralized Autonomous Organizations (DAOs). Together, these elements ensure trustworthy data, fluid liquidity, and democratic governance, forming the foundational infrastructure that empowers dynamic, transparent, and scalable real estate finance on crypto rails.

CRE Data Oracle

The Data Oracle underpins the protocol’s underwriting and fund management processes by ingesting, authenticating, and cross-verifying off-chain property and financial data against multiple trusted sources. Beyond just validating documents like title deeds, market appraisals, and zoning compliance records, the oracle integrates with autonomous AI agents to deliver structured, reliable datasets for rapid and accurate decision-making. Verified property data is tokenized as NFTs, embedding tamper-proof metadata, performance metrics, and compliance flags. By continuously updating these NFT-linked records, the data oracle ensures that both underwriters and investors operate on a foundation of transparent, real-time, and verifiable intelligence.

Automated Market Maker (AMM)

The AMM introduces a decentralized liquidity layer for tokenized loans, enabling both early exits for investors and efficient secondary markets without undermining borrower obligations. Designed to align with the protocol’s risk-managed approach, the AMM dynamically adjusts token prices based on utilization rates and supply-demand imbalances. Market participants can stake their tokens to earn additional yield, with long-term engagement rewarded through fee discounts and preferential terms. In times of liquidity stress, the AMM enforces proportionate withdrawal penalties that are redistributed to remaining participants, enhancing the market’s resilience and long-term sustainability.

Decentralized Autonomous Organization (DAOs)

Down the road DAOs will be formed to govern and manage individual lending pools and funds, ensuring that key stakeholders have a direct and transparent role in shaping a fund’s trajectory. Each fund-level DAO controls critical parameters such as collateral requirements, interest rates, and capital allocation strategies. By leveraging tokenized voting and on-chain governance mechanisms, these DAOs empower participants—ranging from underwriters to investors—to collectively decide on adjustments that align with a fund’s evolving risk profile, performance targets, and market conditions. This decentralized governance structure ensures that each fund is steered by those with tangible economic interests in its success, fostering greater accountability, adaptability, and value creation over time.