HomeDAO is a first of its kind blockchain based marketplace for real estate ownership from around the world. Unlike any other real estate corporation in the world, it allows the users to propose new real estate projects and properties of various kinds to be brought into the HOME ecosystem by voting to decide if it should be procured and sold. Token holders are incentivised by great rewards for participating in the governance process.

Most people given a fair chance would love to invest in real estate. Most just want to buy a home to live in. …


“If you would like to tokenize your business or community and make it Web3 ready, how do you need to approach your token design? Which questions do you have to ask yourself? What know-how do you need in your team to be able to properly “design” or “engineer” these tokens?” — Token Economy. We are going to deep dive into some of these areas.

The aim of this article is to understand what questions are relevant in the design and engineering process of a token system for Home DAO.
While the “token engineering” community points out the necessity for rigorous software…


Real estate is one of the largest asset classes worldwide in terms of market capitalization, however, real estate ownership is not open to all members of society. Many low-income households can never afford to buy real estate. To receive a loan, buyers must have a positive credit score, a steady and well-paid job, or a collateral of other assets.

This article covers the following topics:

  1. Problems with Real Property
  2. What can one do with real-estate?
  3. A peek into the different actors in the ecosystem
  4. Real Estate & the Blockchain use case
  5. Challenges & the Way Forward for Home DAO
  6. Pictorial…

NFTs are a real buzz at the moment. They let us tokenise things like art, collectibles, even real estate. NFTs started in 2017 with CryptoKitties (a game to breed and trade digital kittens) and CryptoPunks and gradually increased over the last years, but it exploded in 2021 (i.e. in 2020 the market was estimated to $250 million over the whole year, while in the month of February 2021 alone already $360 million of NFTs were traded). These enormous prices definitely attract a lot of media attention and investors, but nonetheless NFTs remain difficult to grasp. While for traditional art, the…


“Secure, transparent, no third-party, autonomous & accurate”

What is a smart contract?

Smart contracts are digital contracts or agreements between parties in the form of computer code. This allow two or more parties to undertake some form of exchange. This could be anything from a money transfer to property transfers such homes, supply chain goods, etc.

How do smart contracts work?

Smart contracts operate on a blockchain, are stored in this public “database” and cannot be changed. They allow parties to agree specific terms or enter into a specific agreement, which once completed, triggers the smart contracts to initiate an action such as transferring money etc.

Usually, Smart Contracts are…


Blockchain is fundamentally an accounting technology. Quick Recap of the key features of blockchain:

Propagation: new transactions originate with one user but propagate to a network of identical ledgers, without a central controller

Permanent: all transactions and records are permanent, unable to be tampered with or removed. Charge back costs can be eliminated*

Programmable: allows automation of new transactions and efficient control via smart contracts

Blockchain is concerned with the transfer of ownership of assets, and maintaining a ledger of accurate financial information. The accounting profession & systems are broadly concerned with the measurement and communication of financial information, and…


  1. Are multiple parties sharing data?
  2. Will multiple parties be updating data?
  3. Is there a requirement for verification?
  4. Is verification adding cost and complexity?
  5. Are interactions time sensitive?
  6. Will transactions by different users depend on each other?

If you’ve answered yes to at least four of these questions, blockchain could be the solution for you!


The “Money Flower” diagram by M. Bech and R. Garratt is one way to visualize different types of money and their traits.

Money can be described with the denominators

  1. Widely accessible
  2. Digital
  3. Central bank-issued
  4. Peer-to-peer

E-money would fall within the categories “Digital” and “Central bank-issued”.

references/copy : https://trimplement.com/blog/2020/10/emoney-definition/


In 2009, the Commission brought a revised version of this directive into force, now referred to as the EMD2. It contains the following definition of e-money:

“electronically, including magnetically, stored monetary value as represented by a claim on the issuer which is issued on receipt of funds for the purpose of making payment transactions […], and which is accepted by a natural or legal person other than the electronic money issuer“
European Central Bank 2020, Electronic Money, accessed 23 October 2020,

Cryptocurrencies vs. E-Money

  • Cryptocurrencies are not governed by a centralized authority. …

In the domain of blockchain, there have been persistent debates about centralization and decentralization. Many industries still follow the centralized technology as it has been in existence for a very long time. Blockchain technology can make the concept of centralization a thing of the past.

Decentralization is one of the pillars of blockchain technology. In a decentralized network, every participating node is an independent one. Instead of following the instructions of a central authority, decentralized nodes connect with each other while maintaining their sovereignty. This helps to secure the network.

Centralization is when a central authority controls the data and…

Tahir Jamal

Learner

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