Question 1

What is a Crypto Bill?

Accepted Answer

A digital token backed by real estate debt. Each bill represents a claim on a pool of mortgages secured by physical property. Its value is anchored to real, appraisable assets rather than to market sentiment alone.

Question 2

How is this different from Bitcoin or other cryptocurrencies?

Accepted Answer

Most cryptocurrencies aren't backed by a physical asset — their price reflects supply and demand for the token itself. A Crypto Bill is backed by a pool of real-estate-secured loans held in a dedicated legal entity, giving it a collateral floor.

Question 3

Is it a stablecoin? Is it always worth $1?

Accepted Answer

No. A Crypto Bill is backed by real estate, whose value moves with the market, so its value floats — it is not pegged to a fixed dollar amount. Instruments that promise a fixed $1 redemption must, by law, be backed by cash and Treasuries; Crypto Bills are backed by real assets instead, and are structured as an investment, not a fixed-value currency.

Question 4

What exactly do I own?

Accepted Answer

You own a token representing a proportional claim on a bankruptcy-remote entity that holds a pool of mortgage debt. That debt is secured by liens on real property. You are a secured creditor of the pool, not the direct owner of any single building.

Question 5

What backs the value, concretely?

Accepted Answer

Two things: the fair market value of the underlying properties (confirmed by independent appraisal) and the mortgage payments those loans generate. The pool is over-collateralized, meaning the collateral is worth more than the bills issued against it, creating a buffer.

Question 6

Can I redeem or sell my bills? How liquid are they?

Accepted Answer

Redemption and secondary trading are governed by the offering documents. Because real estate is inherently less liquid than cash, redemption occurs through defined windows and/or a liquidity reserve rather than instantly. Current limits are disclosed transparently.

Question 7

Who can invest?

Accepted Answer

Initially, participation is limited to verified, eligible investors under applicable securities exemptions, with KYC/AML verification required for every holder.

Question 8

Is this regulated? Is it legal?

Accepted Answer

Crypto Bills are structured as a regulated security offering under applicable exemptions, with KYC/AML compliance, a qualified custodian, an independent auditor, and a licensed loan servicer. It is not an unregulated token.

Question 9

What happens if property values fall or borrowers default?

Accepted Answer

The pool is diversified and over-collateralized, and the loans are secured by liens that allow recovery through foreclosure if needed. These measures reduce, but do not eliminate, the risk of loss. Value can decline; this is disclosed in full in the offering documents.

Question 10

How do I know the collateral is real and matches the bills issued?

Accepted Answer

Through regular third-party attestations of the collateral pool — appraisals, loan-to-value ratios, delinquency data — plus independent financial and smart-contract audits, all published on a set schedule.

Question 11

What are the main risks?

Accepted Answer

Real-estate price declines, borrower defaults, limited liquidity, valuation uncertainty on illiquid assets, regulatory change, and smart-contract risk. Full risk disclosures are in the offering documents; read them before investing.

Question 12

Is my money guaranteed or insured?

Accepted Answer

No. Unlike bank deposits, Crypto Bills are not FDIC-insured, and value is not guaranteed. Returns and principal depend on the performance of the underlying real-estate debt.

Question 13

Why call it a "bill" instead of a "coin"?

Accepted Answer

Because a bill has always meant a documented, redeemable claim rather than a token whose worth rests on convention. The name reflects the philosophy: value anchored to something real.

The questions we lead with.