ARDEWA
REAL WORLD ASSETS
BASKET B02 · USA EDITION
Cross-Border Tokenisation Framework
United States → Dubai · 2026
THE OPPORTUNITY
US REAL ESTATE $47T MARKET
Institutional-grade bridge between US property owners and global capital. Regulated, independently verified, Dubai-issued ARVA instrument.
⚠️ THE PROBLEM
Selling loses asset permanently. Refinancing caps at 65–75% LTV. Private equity demands dilution. REITs require full transfer. No efficient channel to global institutional capital.
✅ ARDEWA B02 USA EDITION
Equity tokenisation structure: contribute economic rights of residential or commercial property to a regulated cross-border vehicle without selling, without conventional debt, without losing beneficial ownership.
WHAT BASKET O1 ACTUALLY IS
Debt tokenisation instrument — not a sale, not equity, not a fund. The developer retains ownership of the project while accessing institutional capital against the verified economic rights of the asset.
DOUBLE VEHICLE LEGAL ARCHITECTURE
CROSS-BORDER STRUCTURE
LAYER 1 · UNITED STATES
Title remains in US Land Registry
US Property Owner → Delaware LLC or State LLC → Revenue Assignment Agreement registered under state law → UCC-1 Financing Statement filed.
FIRPTA minimised · Portfolio Interest Exemption available · Independent US legal opinion required
LAYER 2 · DUBAI, UAE
DIFC Prescribed Company (PCR 2024)
DIFC PC holds economic rights via Revenue Assignment → VARA Regulated Issuer mints ARVA tokens on XRP Ledger → Regulated Custodian + Regulated Distributors.
Qualifying Purpose: Structured Financing · GP/LP structure · ADCB Dubai banking
Option A
Delaware LLC
Revenue Assignment + UCC-1. Recommended for pools under USD 50M. Minimised FIRPTA exposure.
Option B
Delaware Statutory Trust
IRS recognised for like-kind exchanges. Multiple owners consolidation. Greater tax planning flexibility.
Option C
Series LLC
Multiple property-owning cells under single master LLC. Limits cross-liability between properties.
THE VERIFICATION LAYER
ASSETIUM PROTOCOL
No token is issued until Assetium independently verifies every property. Trust Score and NAV published immutably on XRP Ledger.
STAGE 1
Satellite + Docs
MKGT satellite imagery (UAE Space Agency licensed). Cross-reference with county assessor records, MLS data, title search. 72–96 hours.
STAGE 2
LiDAR Inspection
Full interior LiDAR point cloud. Exact floor area, structural condition, finish quality. Geo-Sentinel engine. Independent of owner data.
STAGE 3
Digital Twin
Trust Score (0–100) + verified NAV published on XRP Ledger. Immutable. Basis for Whitepaper and VARA submission.
🔒 VARA COMPLIANCE AUDIT
✓ RICS-accredited surveyor certifies LiDAR methodology and NAV calculation
✓ Big 4 firm (Deloitte, PwC, KPMG, or EY) six-monthly audit of data chain from physical inspection to XRP Ledger
ISSUANCE PROCESS
15 STEPS TO LIQUIDITY
🔑 BASE PRINCIPLE
Originator pays USD 5,000 at contract signing. No other payment until Regulated Distributor confirms pre-approval. If declined, process stops. Total exposure: USD 5,000.
ECONOMICS
BASKET CREATOR INCOME MODEL
Income Stream 1
Origination Fee
2%–5% of Assetium-verified NAV per property. Direct commercial agreement with owners.
USD 300k
on USD 10M pool at 3%
Income Stream 2
Admin Fee
8%–12% of gross monthly rents. Deducted before token holder distributions.
USD 60k/yr
on USD 10M pool at 6% yield, 10% fee
Income Stream 3
Trading Fee Share
Perpetual share of secondary market transaction fees. Grows with pool AUM.
Perpetual
cumulative across multiple baskets
| Source | Year 1 | Year 2 | Year 3 |
|---|---|---|---|
| Origination fee (direct from owners) | USD 300,000 | — | — |
| Property administration fee | USD 60,000 | USD 60,000 | USD 60,000 |
| Trading fee share | USD 300 | USD 300 | USD 300 |
| Total | USD 360,300 | USD 60,300 | USD 60,300 |
Accumulated 3 years: USD 480,900
💰 NET CAPITAL TO OWNERS · USD 10M POOL, 70% TOKENS SOLD
Gross capital raised: USD 7,000,000
− ARDEWA Structuring (3%): USD 300,000
− ARDEWA Tech Fee Y1 (0.75%): USD 75,000
− Regulated Issuer fee (0.75%): USD 75,000
− Custodian integration + Y1: USD 47,500
Net capital Day 1:
≈ USD 6,502,500+ Retained tokens (30%): USD 3,000,000
Total Day 1 value: ≈ USD 9,502,500
HEAD-TO-HEAD
WITH ARDEWA VS WITHOUT
USD 1,000,000 residential property · 70% tokens sold · 30% retained
| Metric | Conventional Sale | ARDEWA B02 USA |
|---|---|---|
| Exit price | USD 920,000 (market −8%) | USD 1,000,000 (verified NAV) |
| Transaction costs | − USD 55,000 | − USD 47,000 (proportional) |
| Capital gains tax event | Yes – USD 100k–200k | No disposal of title |
| Net capital received Day 1 | ≈ USD 650,000 | ≈ USD 653,000 |
| Retained asset value | USD 0 (permanently lost) | USD 300,000 in tokens |
| Future rents (3 years, 30% retained) | USD 0 | ≈ USD 54,000 |
| Time to capital | 60–120 days | T+1 from issuance |
| Total real value at 3 years | ≈ USD 650,000 | ≈ USD 1,007,000 |
📈 ANNUAL TECHNOLOGY FEE · ARDEWA (0.75% OF POOL NAV)
Year 1
USD 75,000
USD 10.0M NAV
Year 2
USD 78,750
+5% appreciation
Year 3
USD 82,688
+5% appreciation
Year 5
USD 91,163
Compounding
Fee grows organically with NAV – ARDEWA's incentive aligned with Originator's asset growth.
REFERENCE
COMPLIANCE & GUARANTEES
⚖️ KEY REGULATORY DISCLOSURES (VARA)
FIRPTA Risk: Revenue Assignment structured as contractual income right, not USRPI transfer. FIRPTA opinion letter from US counsel appended to Whitepaper.
Withholding Tax: Portfolio Interest Exemption (0%) applies if tokens structured as debt and investors are non-US persons without ≥10% ownership.
Enforceability: UCC-1 perfected security interest. Dual legal opinion (US + Dubai) confirms cross-border enforceability.
📋 ELIGIBILITY REQUIREMENTS
• Min 5 properties, USD 10M aggregate AUM
• Assetium Trust Score ≥ 65 per property
• Continental US, Hawaii, Alaska
• Clear title, no IRS tax liens
• Max 30% pool AUM under personal use
• Basket Creator: qualified GP, clean regulatory record, AML/CFT compliance
🛡️ THE GUARANTEES
- Maximum Originator exposure before Distributor confirmation: USD 5,000
- Assetium Trust Score and NAV are independent and immutable on XRP Ledger
- Revenue Assignment registered under US state law with UCC-1 – public record
- Smart Contract executes Day 15 distributions without human intervention
- Structure independent of ARDEWA continuity – DIFC PC, immutable Smart Contracts
- ARDEWA does not hold, manage, or control any investor funds at any point
NEXT STEPS
1. Send pool data to ARDEWA → 48h eligibility review at no cost
2. 60-min working session: exact numbers, complete cost structure, timeline
3. Sign Master Agreement + ASB-B02 USA · USD 5,000 · Assetium begins satellite review
4. Regulated Distributor responds within 5 business days
ARDEWA CAPITAL INFRASTRUCTURE · ardewa.com · info@ardewa.com · Dubai, UAE
Confidential. This document is a technical and legal proposal. It does not constitute an offer of securities. ARVA tokens are regulated financial instruments issued under VARA Rulebook 2.0 by the Regulated Issuer. Assets independently verified by Assetium with RICS-certified methodology and Big 4 audit.