The Robinland Way of Real Estate

DeFi in 2021

The field of finance has not been this interesting since 08.

Real Estate in 2021

One of the biggest problems with the US housing market is the affordability crisis, which can largely be traced back to restrictions on construction, including not only land use regulations, but also problems in the space of financing for developers. Traditionally, real estate developers can seek financing from three sources: banks, real estate PE firms, or crowdfunding platforms. However, each source has its drawbacks:

  • Banks have rigid requirements for extending financing to construction since the 2008 financial crisis, and as a result, many projects that have good fundamentals, such as generating a steady flow of rental income, do not get financed or suffer from a very restrictive LTV ratio.
  • Real estate PE firms, however, do not always act in the best interest of the developer or the community, but rather its LPs: when a private equity fund invests in a project, it typically holds a super-majority of the equity and therefore the governance rights. Ultimately, the investment fund can take over the property and kick out the developer.
  • Crowdfunding platforms are an innovation over the past five to ten years, but they are fundamentally (“legally” speaking) no different from any real estate PE fund. After all, it’s an innovation more for real estate retail investors than for real estate developers.

What is Robinland

And that’s where Robinland comes in: we serve as a bridge between the traditional world of finance and DeFi, providing a new financing solution to the real estate industry. By digitization and tokenization, Robinland turns real estate project-backed debt assets (e.g., CRE Loans) into on-chain crypto tokens that can be used as collateral to access liquidity from DeFi-lenders (e.g., MakerDAO).

For DeFi Lenders

  • High quality collateral: Robinland integrates one of the highest quality collateral — real estate — into the DeFi lending ecosystem
  • Hassle free RWA: with Robinland turning RWA into crypto-native tokens, DeFi lender can enjoy the stability brought by real world asset without real world hassle
  • Risks, managed: with our proprietary project evaluation system, Robinland serves as the risk controller and also buffers the DeFi lender from defaults of underlying asset

For Real Estate Developers

  • Lower cost: DeFi lenders provide much lower cost of financing compared to traditional sources like banks, real estate PE or crowdfunding platform
  • Faster turnaround: thanks to the DAO (decentralized autonomous organization) system, approvals for credit are much faster than traditional sources of financing
  • Stable financing: unlike bank financing that can be retracted for arbitrary reasons, the revolving credit lines from DeFi lenders ensures stability of financing for borrowers

Get Involved

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