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

Thanks for sharing your update and also clarifying the market rationale. I understand the shift to lower ticket sizes makes sense given current BTC volatility and liquidity concerns.

That said, I have concerns about pivoting from real estate (an appreciating asset) to cars (which depreciate 15-20% annually). This creates a worse risk/reward for users - they’re taking liquidation risk on volatile BTC collateral to purchase a depreciating asset.

Since the seller portal won’t be developed until Milestone 3, would the team consider integrating appreciating lower-ticket assets instead? Options could include:

  • Luxury watches ($10K-30K) - established appreciation, highly liquid

  • Investment-grade wine ($5K-30K) - proven appreciation, vault storage

  • Fractional agricultural land ($10K-50K) - steady appreciation + lease income

  • Gold/precious metals - inflation hedge, highly liquid

These would maintain the original thesis (leveraging BTC for appreciating assets) while addressing the market need for smaller ticket sizes. What’s the team’s view on this approach?

1 Like