[2510 Grant] Zerem Finance - Real World Asset (RWA) lending aggregator focused on residential real estate acquisition

Grants & Incentives
1

[Grant Proposal] Zerem: RWA Lending Aggregator on Rootstock

Category: Grants & Incentives

1. Project Name & Description

Zerem is a Real World Asset (RWA) lending aggregator focused on residential real estate acquisition. Our platform connects borrowers with the best lending opportunities across decentralized protocols, enabling Bitcoin holders to access global real estate markets without selling their BTC.

Built on Rootstock (RSK), Zerem integrates deeply with DeFi protocols like Tropykus, supports native stablecoins (RIF/DOC), and offers a seller portal for real estate developers to tokenize and manage properties.

This proposal seeks funding to finalize our production-ready platform, deploy multi-chain bridging infrastructure, integrate Rootstock-native stablecoins, and launch the seller portal—establishing Rootstock as the leading ecosystem for institutional-grade RWA lending.

2. Team Background

  • Ezequiel Gorbatik (Co-Founder/CEO): Former CTO of Num Finance, a LATAM stablecoin startup acquired by a top-3 regional crypto exchange. Extensive experience in DeFi infrastructure, tokenization, and emerging markets. 20 years of experience in the IT Sector.

  • Dylan Szjenblum (Co-Founder/CTO): Former Sr. Dev at Num Finance. Extensive experience in RWA and account abstraction.

  • Nicolas EspĂ­ndola(Advisor): Former Head of Product at Num Finance, a LATAM stablecoin startup acquired by a top-3 regional crypto exchange. Extensive experience product development. Known as “NicoProducto” in social media.

  • Business Traction: 6 real estate developers already onboarded across Brazil and Paraguay, with an active tokenization business unit generating $15K USD in Q3 2025. These developers represent a pipeline of over $3M in tokenizable real estate assets for the next 12 months. Our catalog currently has total value for sale for around 60M

  • Legal Framework: Operating as a SAS (Simplified Joint Stock Company) incorporated in Argentina, ensuring regulatory compliance for RWA operations.

  • Strategic Partnership: Formal integration and co-marketing with Tropykus, Rootstock’s leading lending protocol, providing immediate liquidity access and an established user base. Integration with MoneyOnChain as the main unit for loans.

3. Total Grant Amount

$50,000 USD

4. Detailed Milestones

4.1 Milestone 1 – Core Product Finalization & Tropykus Integration

Budget: $20,000 | Timeline: 4 weeks

Outcomes:

  • Borrowers can deposit rBTC and instantly access optimized credit conditions from Tropykus within Zerem.

  • Real-time rate optimization and portfolio tracking for borrowers.

Deliverables:

  • Optimized lending aggregator interface

  • Complete Tropykus integration

  • Enhanced user dashboard with portfolio analytics

4.2 Milestone 2 – Multi-Chain Bridge & Rootstock Native Assets

Budget: $10,000 | Timeline: 4 weeks

Outcomes:

  • Users can bridge assets (Ethereum, Polygon, Arbitrum → Rootstock) and use them as collateral in one click.

  • Native stablecoins RIF and DOC fully integrated.

Deliverables:

  • Cross-chain bridge interface with automated route optimization

  • RIF & DOC integration with lending protocols

  • Bridge transaction monitoring & cost optimization tools

4.3 Milestone 3 – Seller Portal Development

Budget: $10,000 | Timeline: 5 weeks

Outcomes:

  • Developers can tokenize and list properties internationally in less than 24 hours.

  • Compliance-ready onboarding for real estate partners.

Deliverables:

  • Seller portal with property listing & management

  • Bulk upload & tokenization workflow

  • Integrated KYC/AML compliance tools

  • Onboarding of 6+ developer partners into the portal

4.4 Milestone 4 – Production Deployment & Ecosystem Launch

Budget: $10,000 | Timeline: 3 weeks

Outcomes:

  • Rootstock hosts the first production-ready RWA aggregator live on mainnet.

  • Public launch with Tropykus co-marketing campaign.

Deliverables:

  • Production deployment with full security audit

  • Multi-sig wallet integration for funds in transit

  • Community documentation & developer resources

  • Joint Tropykus-Zerem launch campaign

5. Timeline

Q4 2025

  • M1: Core Product + Tropykus Integration

  • M2: Bridge Integration + Native Assets

  • M3: Seller Portal Development

  • M4: Production Launch

6. Technical Specifications :hammer_and_wrench:

  • Frontend: Next.js, Wagmi, Viem (Web3 optimized)

  • Backend: Nest.js, Supabase, GraphQL (scalable infra)

  • Smart Contracts: Tropykus protocol integrations (no custom contracts required for this integration)

  • Supported Assets: rBTC, RIF, DOC, USDT + bridged assets

  • Bridge: Multi-protocol with automatic route optimization

  • Security: Multi-sig wallets, formal audits, integrated KYC/AML providers

7. Value Proposition for Rootstock :seedling:

Zerem fills a critical gap in the Rootstock ecosystem: institutional-grade RWA lending for real estate.

By combining Bitcoin’s store-of-value properties with Rootstock’s smart contracts, Zerem allows holders to leverage BTC into real-world assets without selling their position.

This makes Rootstock the first Bitcoin-native chain with a production-ready RWA real estate use case, differentiating it from Ethereum, Polygon, and Solana.

8. Ecosystem Benefits

  • New RWA Infrastructure: First comprehensive aggregator for real estate lending on Rootstock.

  • Capital Onboarding: Brings Bitcoin holders & developers with $3M pipeline of properties.

  • Native Asset Utility: Creates real use cases for rBTC, RIF, DOC.

  • Strategic Differentiation: Rootstock positioned as the go-to blockchain for RWA real estate, ahead of competitors.

  • Proven Business Model: Already revenue-generating ($15K in Q3 2025).

9. Grant KPIs (Aligned with Rootstock Goals)

  • Platform:

    • Production-ready RWA aggregator live on Rootstock

    • Tropykus fully integrated

    • RIF/DOC supported

  • Business Impact:

    • 100K in real estate lending volume within 6 months

    • +3 new developers onboarded (total 9+)

    • 10 tokenized properties or 100 untokenized assets listed by Q1 2026

  • Ecosystem Growth:

    • 100 active BTC users leveraging rBTC collateral

    • $100K in rBTC, RIF, DOC locked in lending protocols via Zerem

    • Co-marketing with Tropykus reaching 10,000+ users

  • Community Engagement:

    • Open-source components released for RWA projects

    • 2+ ecosystem workshops/presentations on RWA lending

10. Demonstrated Traction & Market Validation

  • MVP Live: lending.zerem.fi

  • Revenue: $15,000 USD in Q3 2025 from tokenization services

  • Developer Network: 6 onboarded (Brazil & Paraguay) → $3M pipeline → $60M listed

  • Portfolio: app.zerem.fi

  • Market Size: Real estate tokenization projected at $3.7T by 2030

11. DEMO

Closing Statement

This grant represents more than product development—it’s about Rootstock owning the RWA real estate vertical in the Bitcoin ecosystem.

With $50K in funding, Zerem delivers the first production-ready RWA aggregator, bringing real developers, properties, and Bitcoin holders into Rootstock. The risk is low, the impact is measurable, and the upside is positioning Rootstock as the blockchain where Bitcoin meets real estate at scale.

5 Likes
2

Hey @Ezequiel, thanks for sharing this proposal.
The concept of using Bitcoin liquidity for real-estate lending is really interesting, and it’s great to see more projects exploring RWA use cases on the network.

I like the mix of Tropykus integration, RIF/DOC support, and the longer-term plan for a seller portal, it connects well with Rootstock’s DeFi direction.

A few quick things I was curious about:

  • Is the Tropykus integration already in progress, or part of what this grant would fund?

  • How do you plan to handle compliance and KYC for the real-estate listings once the portal goes live?

1 Like
3

Thanks! Appreciate the feedback, we are builders trying to build something new.

Regarding your questions:

  • Is the Tropykus integration already in progress, or part of what this grant would fund?

  • We are currently in discussions with the Tropykus team regarding rates, ratios, collaterals, and technical specifications. The actual integration, however, is included within the scope of this grant. Our technology works independently, but Tropykus amplifies its reach and lending capabilities.

  • How do you plan to handle compliance and KYC for the real-estate listings once the portal goes live?

  • We are presently associated with six builders in Brazil and one in Paraguay (soon more), with whom I have met personally. In Brazil, beyond our internal due diligence process, there is a public registry of builders. Funds are only transferred once a signed purchase contract is provided. Both parties to the agreement are subject to KYC procedures under the jurisdiction governing the contract. Transfers are executed solely upon receipt of the signed contract and an explicit authorization from the buyer. Additionally, we always encourage buyers to perform their own due diligence before completing any transaction.

Thanks again!!!

2 Likes
4

Thanks for the reply, Ezequiel, appreciate the extra context on Tropykus and the compliance side. It’s clear you’re putting a lot of thought into connecting Bitcoin liquidity with real-world real estate, and that’s exciting to see on Rootstock.

That said, for a proposal of this scale, I think it would really help to expand on a few practical areas before moving forward, specifically:

• the current technical status of the MVP (what’s already functional vs. what this grant would fund),
• a transparent cost breakdown per milestone, including dev, infra, audit and operations,
• and how you plan to attract and retain users once the product is live, marketing, partnerships, or incentive design.

If you already have some traction or revenue, it’d be great to see how this funding helps scale that up rather than just cover development costs. Also, some previous proposals have included a short demo video or walkthrough, which really helps the community understand progress and potential.

1 Like
5

Thanks a lot for the thoughtful feedback!

Here’s a more detailed breakdown of our current technical status, cost structure, and go-to-market plans:

Technical Status

Our current catalog is live and operational at app.zerem.fi.
At this stage, crypto operations are being executed over-the-counter (OTC).

Regarding our lending product, we currently have a functional alpha version that integrates a subset of our real-estate catalog with loan offers and rates.

The Alpha/MVP currently allows users to:

  • Fetch and display available properties and lending options (from Tropykus and other sources).

  • Simulate the flow between BTC liquidity and untokenized real-world assets (including advance payments, reservations, down payments, and full payments).

That said, the current version is still an Alpha — it works technically, but will need to be rewritten and productionized.

It’s worth mentioning that while Tropykus extends our reach to the Rootstock ecosystem, the product and business logic are not tied to any specific protocol.

The components we plan to fund through this grant include:

  • Full loan execution logic (call data and settlement layer).

  • UX/UI improvements and integration testing for production release.

We can share a short video walkthrough of the current MVP if helpful: [Unlocking Real Estate Opportunities with Bitcoin! 🏡 | Loom].

Cost Breakdown & Funding Scope

Zerem currently operates across two verticals:

  1. Real-estate sales

  2. Tokenization contracts — which already generate revenue.

Our current operational costs are self-funded:

  • Accountant: $200/month

  • Infrastructure (Supabase, storage, servers, etc.): ~$90/month

  • Tools (Cursor, etc.): ~$100/month

  • API calls: ~$200/month

  • Compliance checks: ~$100/month

  • Taxes and compliance: ~$200/month

We’re not requesting coverage for these ongoing costs — only funding for the full development and deployment of the production-ready protocol.

Go-to-Market & Traction

To attract and retain users, we’re focusing on partnerships, education, and real-world visibility:

  • Co-marketing with Tropykus to bootstrap initial liquidity and user base.

  • Speaking engagements at Devconnect (Tokenization Hub) and Labitconf.

  • Ongoing discussions with the three main exchanges in the region.

  • Collaboration with the Argentine Real Estate Chamber and several universities (recently gave a talk at Universidad de Palermo).

  • Regular workshops and community events to onboard both real-estate professionals and crypto users.

This funding would help us move from a working prototype to a production-grade product, ready to scale real adoption on Rootstock.

Lastly, we’ve recently signed our first car seller, so when moving into production, we expect to have vehicles listed as well.

1 Like
6

Update: In addition to residential real estate, Zerem Finance will also facilitate AUTOMOTIVE ASSETS transactions. This wasn’t included in our initial proposal, but it is part of our launch strategy, particularly around LaBitconf (Nov 7–8) and DevConnect.

3 Likes
7

Thanks @Ezequiel , really appreciate the detailed follow-up and the video demo, it’s great to see the product already working in practice. The additional context on costs, technical scope, and go-to-market plan definitely helps.

Personally I think the idea is strong and fills an important gap for Rootstock, especially around RWA and real-world integrations so I’d love to hear what other community members think about the approach and potential impact.

8

Hey Ezequiel.

Great project, as I think collateralizing Bitcoin to buy real estate and collateralizing real estate to buy Bitcoin are two huge applications yet to be further explored in the industry.

I’m familiar with the Portobelo region in Brazil as I live close by and visit occasionally. Its real estate development is absolutely blooming right now. The investment potential there is huge.

I think for real estate loans a critical aspect are the rates. You mentioned Tropykus is not needed as your technology works independently. What will be your main source of funding for these loans. Do you have external investors, or you intent to aggregate DeFi lending protocols (Aave, Tropykus, etc), so the rates are those of these dApps? Are the rates fixed from the beginning or variable?

The denominated currency for the properties and for the loans will be always USD?

I’m finding Milestone 1 value fairly high, as, from what I understand, you’d connect a lending dApp liquidity with your website. I suppose purchasing of the properties would still involve a lot of manual processes afterwards (OTC-like)?

1 Like
9

Hey ChronoTrigger,

Thanks a lot for your message — and yes, Portobelo is beautiful! You’re totally right about the booming real estate market there. I actually bought an apartment myself (skin in the game) and plan to be back by the end of this year.

Regarding the rates, our platform can integrate different lending protocols — each with their own pairs, rates (fixed or variable), and liquidation penalties. The user will decide their risk exposure, and we’ll provide the tools and analytics to support that decision.

We’ll start with Tropykus as our first integrated protocol. It’s well-known in Latam and within the Rootstock community, has sufficient liquidity, and supports BTC-valued tokens as collateral. This allows us to validate our model with limited exposure before expanding to others.

Our model is protocol-agnostic and can support multiple DeFi sources (Aave, etc.), though that adds complexity in optimizing strategies per user/wallet — something we’ll address in later phases.

It’s also worth mentioning that in Brazil, most properties don’t require 100% upfront payment. You usually pay around 30% down, and the rest in up to 100 installments. This means a user could take a loan for that 30%, and then use yield from other lending positions (or rental income) to cover future payments. This “hybrid” model isn’t part of the current grant scope, but it’s in our roadmap.

Regarding denominated currencies, the answer is no — not always USD. The property currency depends on the local jurisdiction. In Brazil, developers only accept BRL (Reais) — never USD or crypto directly. We already have four partners for ramping off crypto to local bank accounts (two active, two ready to activate when needed).

About Milestone 1’s budget, the valuation is realistic. Developing an application like ours typically costs around $100K+ if outsourced. In our case, the team includes three developers (frontend, backend, blockchain), each costing roughly $5K/month — below market value (~$7K). Over 2–3 months this totals about $30K+, so requesting $20K is reasonable.

Finally, regarding the manual processes, in Brazil the flow is semi-digital: you choose your property, contact the seller, negotiate price and financing, and then sign a “Contrato de Promessa de Compra e Venda de Imóvel” (real estate purchase and sale agreement), which can be done digitally with a passport.

For the final deed (escritura), a Brazilian Tax ID (CPF) is required — which can be easily obtained at a local Brazilian consulate or directly in Brazil.

Once that contract is signed, the user requests the first transfer. Based on the required BRL amount and available collateral, Zerem builds the transaction calldata and guides the user to sign both approval and transaction steps. The resulting DOCs are sent to a controlled wallet for ramp-off to local currency.

The lending module is not live yet — that’s exactly what this project aims to finalize. However, if you’re interested in purchasing one of the listed properties (app.zerem.fi), we can connect you directly with a builder and execute it OTC for now.

Thanks again!!!

2 Likes
10

This is a great initiative for Rootstock, enabling Bitcoin to be used as collateral to obtain loans for purchasing shares of real estate. RWA is one of the fastest-growing sectors, projected to reach around $10 trillion by 2030, and could become a major driver for institutional capital entering the crypto space. Since real estate is typically illiquid and high in unit value, this project introduces a practical bridge connecting Bitcoin (DeFi) with traditional assets (TradFi), which aligns perfectly with Rootstock’s long-term vision. However, because this model relies on the quality of the underlying properties, I’m interested in how the team plans to underwrite them and ensure each one meets proper risk and valuation standards.

2 Likes
11

Hi Curia,

Your question goes straight to our due diligence process, which is quite complex (I got a little help from ChatGPT). The four main risks are: “builder reputation,” “building quality,” “legal environment,” and “fair valuation.” I’ve handled most of this process personally (I even bought an apartment myself, “skin in the game”), so we can dive deeper if you want (the system allows 5 links only).

TL;DR :

:office_building: Real Estate / Apartments

  • Verify builders and engineers via CONFEA, CREA (SC), and CNPJ
  • Developers must secure financing and buy entire floors/projects before marketing
  • Check legal protections: Lei 4.591/1964, PatrimĂ´nio de Afetação, Registro de Incorporação
  • Use transparent valuation benchmarks: FIPE/ZAP, IBGE
  • Ensure compliance with ABNT/NBR norms (building, electrical, hydraulics, fire)
  • Encourage independent verification: site visits, double-check all documents

:automobile: Vehicles (Argentina)

  • Verify ownership, fines, taxes, and liens at Registro Automotor
  • Inspect in person or with a mechanic before buying
  • Transactions cannot proceed if documentation isn’t complete

Full explanation:

1. Builder & Compliance
Verify builders and engineers through public registries:

  • CONFEA (Federal Regulator): link
  • CREA (Santa Catarina): link
  • Legal status / CNPJ: link

2. Developer / Financing
Ensure developers secure financing and buy entire floors or full projects before marketing, reducing delivery and solvency risks.

3. Legal Protections
Check statutory protections:

  • Lei 4.591/1964 (Incorporação Imobiliária):
  • PatrimĂ´nio de Afetação (ring-fenced assets):
  • Registro de Incorporação required before pre-sales

Brazil’s framework is stricter than Argentina’s, where protections are mostly contractual.

4. Fair Valuation
Use transparent price benchmarks to check valuations:

5. Construction Standards
Verify compliance with national engineering norms (ABNT/NBR) covering building performance, electrical, hydraulics, fire exits. Violations trigger engineer liability via CREA/CONFEA.

6. Buyer Verification
Encourage independent verification:

  • Site visits whenever possible (we usually visit twice a year)
  • Double-check everything already validated

7. For vehicles in Argentina:

  • Ownership, fines, taxes, and liens verified at the Registro Automotor
  • Buyers inspect in person or with a mechanic before finalizing
  • Transactions cannot be completed if documentation is not in order
  • Payments are only executed once the transaction is confirmed and with explicit user authorization

Thanks.
Ezequiel

12

Hello @Ezequiel thank you for this proposal. It’s exciting to see an RWA tokenization product on Rootstock. And very cool that you’ve already used it yourself to buy an apartment!

As you pointed out in a previous reply, there are quite a few serious risks involved— including legal, compliance, and smart contract risk. What types of audits do you plan on & which audit firms will you use?

As a final note, most grant requests are capped at ~10k for each milestone. Are you willing to reduce your M1 budget to account for the risks & uncertainties mentioned above?

1 Like
13

I find this proposal very interesting.

My first observation is to clarify whether it refers to RIF or USDRIF, since in several parts it mentions “RIF,” but based on the context it seems to actually refer to USDRIF (related to the stablecoin). I assume it’s just a repeated typo throughout the document.

As others have already mentioned, the amount requested is quite significant for a grant. I was wondering if you’ve considered introducing a governance token or any mechanism that could provide some form of return to the Rootstock Collective, so that part of this could be treated as an investment rather than a pure grant.

I also apologize for sharing this feedback after the voting process has already started —I’ve only just seen the proposal on the forum due to my own timing—but I still wanted to leave these comments, as I think they might be useful for future discussions.

Additionally, I’d like to ask whether you’ve considered including BPRO as a collateral token, since there’s a large TVL in Rootstock held in that asset. It could give BPRO a new use case and create synergy with projects like Money On Chain and Tropykus, where this token is already used as collateral for borrowing.

Overall, I really like the project—as I’ve mentioned before—but I believe the requested amount is closer to an investment than to a traditional grant.

14

Hi @404Gov — thanks for raising these points. Let me clarify each one briefly:

  1. Legal
    The agreement is a standard private contract between buyer and seller. Zerem isn’t a counterparty — we provide the infrastructure and assist in the process (coordination, tooling and workflow support), but enforcement always sits in the jurisdiction of the underlying real-world asset.
  2. Compliance
    Compliance comes from the signed contract and off-chain supporting docs. Because users keep self-custody until settlement and we don’t handle fiat or hold crypto funds (except in occasional escrow scenarios), regulatory exposure stays low and tied to the real RWA contract — not to Zerem. We simply guide and assist the process so documentation remains aligned.
  3. Smart Contract Risk
    For regular transactions we don’t deploy custom smart contracts. When lending is involved, we integrate with audited protocols. Execution is atomic: we build the calldata, the user signs, and settlement goes directly on-chain to the seller. Afterward, servicing happens directly with the lending protocol.

On the milestone cap:
I wasn’t aware of the ~10k per milestone limit. If needed we can adjust the structure to align with that framework, while keeping M1 scope consistent. Since the proposal is already up for vote, changes would likely need to be applied after this process.

15

Hi @Manu thanks for the feedback — let me address each point:

  1. RIF vs USDRIF terminology
    Yes, that was a typo in the draft. In the formal version it is already corrected to USDRIF wherever the stablecoin is referenced. Thanks for pointing it out.

  2. Governance / token mechanics
    At this stage our focus is on shipping a product that works, gains adoption and demonstrates real demandflow. A governance token is not discarded, but we believe it should come only once there is a validated model, revenue, and a clear value accrual mechanism. Launching a token prematurely would add noise instead of alignment. When/if we get to that phase, we expect to involve the community to shape the mechanism and utility.

  3. Grant vs Investment
    We structured this request as a grant because the value we create for Rootstock is primarily ecosystemal: new RWA use cases, more liquidity pathways and integration with lending rails. If the Collective eventually moves toward hybrid models (grant + rev share / investment), we are open to exploring that in the future — but for this proposal the framework we followed is the current grant structure.

  4. Collateral options: BPRO
    BPRO is actually an ideal collateral for our use case. It is more sensitive in terms of liquidation risk, but precisely because it captures BTC upside with leverage, it can amplify user benefit when price moves favorably. We definitely plan to support BPRO — it creates a natural synergy with Money On Chain and Tropykus, and expands productive use cases for Rootstock-native assets.

Thanks again for the thoughtful feedback — even though voting has started, it’s very valuable input for the evolution of the product and for future iterations of the proposal.

1 Like
16

We’re very supportive of the BTC→RWA direction on Rootstock and appreciate the work behind this proposal @Ezequiel . It’s the kind of use case we’d love to see flourish here.

To make an informed decision, we just need a bit more clarity on how the grant translates into measurable outcomes for the ecosystem. The budget is meaningful, so it would help to understand the tangible return for Rootstock.

For example, the $60M pipeline is exciting, if even a portion lands on Rootstock, the impact could be substantial. Could you share a high-level breakdown and what’s realistically ready for Q1 2026?

Practically, what would make us comfortable is a smaller first tranche, with subsequent releases tied to the chosen KPIs. Written liquidity commitments and a public progress dashboard would also be very helpful and would strengthen the proposal.

With these adjustments, we’d be happy to revisit with a positive vote on a reduced initial tranche. For now, our inclination is to abstain.

2 Likes
17

Hi @Avantgarde Thanks a lot for feedback and for the support on the BTC→RWA direction — really appreciate it :folded_hands:

What we’re building aims to open a new universe of use cases that connect BTC-based lending, stablecoins, and real-world asset transactions within Rootstock. The $60M property catalog you see on app.zerem.fi is already live — though today most operations close OTC (via WhatsApp), our roadmap is to progressively move those flows on-chain, enabling settlements, lending interactions, and stablecoin payments.

Just to clarify, that $60M doesn’t represent liquidity entering the system, but rather the pool of available assets that could be traded or financed within the ecosystem. We can’t really forecast precise quantitative outcomes because success depends on the Rootstock user base: who has the willingness and capacity to deploy significant amounts of capital in lending protocols, and at the same time is interested in some of the properties or vehicles offered. So while we can’t give hard numbers, the initiative lays the groundwork for meaningful BTC-backed activity on-chain.

On the budget side, the structure we proposed reflects actual development and integration costs (already shared in a previous comment). Still, if the community feels a phased approach or smaller initial tranche makes more sense, we’re happy to adapt.

We could also publish a progress dashboard and share updates on liquidity partnerships and integrations as they evolve, so everyone can follow how the initiative is taking shape on-chain.

Thanks Again.
Ezequiel

3 Likes
18

Update: # Zerem.fi (beta.zerem.fi) — Outcomes & Deliverables Report

Report to: Roostock Collective
Period covered: Beta launch & early traction (Q4 2025)

1. Outcomes Achieved

Outcome 1

Borrowers can deposit rBTC and instantly access optimized credit conditions from Tropykus within Zerem

:white_check_mark: Status: Achieved (Beta)

Zerem successfully launched a beta version of its lending aggregation platform at https://beta.zerem.fi, enabling borrowers to deposit rBTC and instantly access optimized credit conditions sourced from Tropykus.

The integration abstracts protocol complexity while preserving on-chain execution, allowing borrowers to obtain competitive credit terms directly from the Zerem interface.

Outcome 2

Real-time rate optimization and portfolio tracking for borrowers

:white_check_mark: Status: Achieved (Beta)

The beta includes:

  • Real-time interest rate optimization reflecting Tropykus conditions
  • Live portfolio tracking, allowing borrowers to monitor active loans, collateral positions, and asset composition

This provides transparency and operational clarity for borrowers interacting with real-world-asset–backed credit.

2. Deliverables Completed

2.1 Optimized Lending Aggregator Interface

:white_check_mark: Delivered in beta

  • Unified borrower experience
  • Credit simulation and execution flows
  • Simplified interaction with underlying protocols

2.2 Complete Tropykus Integration

:white_check_mark: Delivered in beta

  • End-to-end Tropykus protocol integration
  • rBTC collateral support
  • Real-time rate querying and execution

2.3 Enhanced User Dashboard with Portfolio Analytics

:white_check_mark: Delivered in beta

  • Portfolio-level analytics
  • Visibility into asset-backed credit positions
  • Real-time monitoring of borrower activity

3. Beta Launch & Early Traction

Platform: https://beta.zerem.fi

As of the date of this report:

  • 20 wallets registered
  • 10 active wallets currently taking loans
  • Asset coverage:
    • 230 vehicles
    • 300 properties

These metrics demonstrate early validation of the product and borrower demand during the beta phase.

4. Ecosystem Presence & Strategic Outreach

Labitconf

:date: November 7–9, 2025
:microphone: Main Stage Panel (Nov 7)

Highlights:

  • Main stage panel participation
  • In-person meetings with Tropykus, MoneyOnChain, Roostock, and other ecosystem teams
  • Project promotion and ecosystem networking

Devconnect

:date: November 17–22, 2025
:classical_building: RWA Hub (Nov 21)

Highlights:

  • 2 talks and 1 workshop focused on credit simulation
  • Multiple business and ecosystem contacts within the RWA sector

Additional Engagements

  • PropTech Latam (Nov 18, 2025)

    • Contact with PropTech Latam
    • Access to 500+ real estate decision makers

  • Sensei Magic (Nov 18, 2025)

    • Invitation-based participation
    • Project diffusion

  • Sky (Nov 18, 2025)

    • Invitation-based participation
    • 3 business leads generated
    • Project diffusion

  • Arbiverse

    • Invitation-based participation
    • Project diffusion

5. Media & Academic Exposure

  • :television: Block Program — Feature on December 4, 2025
  • :graduation_cap: Universidad de Palermo — Academic note on December 4, 2025

These appearances increased visibility across both industry and academic audiences.

6. Invitation to Participate

Zerem invites the Roostock Collective and the broader ecosystem to:

  • Explore and use the beta application at https://beta.zerem.fi
  • Purchase vehicles through the platform
  • Participate in real estate opportunities available on Zerem

Additionally, car dealerships, automotive agencies, real estate developers, and construction companies interested in listing assets or publishing inventory on Zerem are welcome to contact the team to explore integration and collaboration opportunities.

7. Summary

With the support of the Roostock Collective grant, Zerem has:

  • Delivered all committed Outcomes and Deliverables in beta
  • Integrated Tropykus as a live credit source
  • Launched a borrower-facing product with early traction
  • Strengthened ecosystem relationships across DeFi, RWA, and PropTech

Zerem is now positioned to iterate from beta toward broader adoption and deeper integrations.

3 Likes
19

Thanks for the update @Ezequiel ! The beta application looks solid with a good selection of properties. We will continue to review the features provided at this phase.

One question on this; how can we verify those numbers? Are you planning to provide a data dashboard to review the continuous growth of the platform in a verifiable way?

1 Like
20

Hi Tane, summarizing:

The numbers come primarily from Privy’s admin console, complemented by our internal application logs and onchain wallet balance analysis, which we cross-check for consistency. We also have a Telegram group with active users.

We plan to provide a dashboard to offer transparent, ongoing visibility into these metrics.

Thanks.
Ezequiel

1 Like