FAQ

CoinLander is a pioneering Real World Asset (RWA) platform that bridges the gap between traditional finance and the digital asset economy. We transform illiquid, high-quality real estate mortgage investments into transparent, accessible digital tokens. This allows users to earn predictable monthly income backed by tangible property assets, offering a stable alternative to the volatility of traditional crypto markets.

Our process is designed with security and simplicity in mind:

1. Asset Sourcing & Vetting: Our team, with over 20 years of experience, sources and performs rigorous due diligence on high-quality mortgage loans.
2. Tokenization: The legal rights to the income from these vetted mortgages are digitized and represented as tokens on the blockchain.
3. Investment: Users can purchase these tokens, effectively owning a share of the underlying mortgage debt.
4. Earn Yield: As borrowers make their monthly mortgage payments, the interest is distributed proportionally to all token holders directly to their digital wallets.

CoinLander is built for a global audience. Anyone with an internet connection and a compatible cryptocurrency wallet can participate, subject to our Terms & Conditions and local regulations.

Tokenized mortgage investments offer a unique combination of traditional stability and modern efficiency:

• Stable, Predictable Returns: Earn monthly yield generated from real interest payments, not market speculation.
• Tangible Asset Backing: Your investment is secured against physical property assets, providing a layer of security absent in most crypto investments.
• Portfolio Diversification: This asset class has a low correlation with the volatility of cryptocurrencies and traditional stocks, helping to reduce overall portfolio risk.
• Transparency & Efficiency: Blockchain technology provides an immutable record of ownership and transactions, reducing overhead and increasing trust.
• Accessibility & Liquidity: We open up a previously exclusive asset class to a global audience, offering greater potential liquidity than traditional real estate investing.

Yield collection is automatic and hassle-free. All earned interest from the underlying mortgage payments is automatically calculated and distributed to your connected digital wallet on the 1st of every month. There is no action required on your part to claim or withdraw these funds; the process is fully managed by the CoinLander smart contract protocol.

To make our platform accessible to a wide range of investors, we have set a low minimum investment threshold. You can begin earning yield with an investment of just 100 USDT.

CoinLander's revenue model is aligned with the success of our investors. We generate revenue from a service fee, which is a small percentage of the spread between the interest rate paid by the borrower and the yield distributed to the token holders. This ensures we are incentivized to source the highest-quality mortgage assets at the best possible rates for our community.

Auto-Renewal is a convenient feature that lets you seamlessly continue investing without lifting a finger. Here's the simple breakdown:

• What it does: If you turn Auto-Renewal ON, once your investment project matures, your initial capital will be automatically reinvested into a new, similar project. Your final interest payment will be distributed to you as usual and will not be included in the new investment.
• It's Hands-Off: The entire process is automatic. CoinLander will directly issue the new project tokens to your wallet. You don't need to manually reinvest.
• All Interest is Paid Out: All interest payments, including the final one, are distributed to you as scheduled. Only your original principal amount is used for the new reinvestment.

You have full control and can change your Auto-Renewal choice (ON or OFF) at any time by visiting your "My Profile" section.

Just one thing to remember: To ensure we can process everything smoothly, your Auto-Renewal choice becomes locked starting 14 days before the project's maturity date. We recommend double-checking your setting before this lock-up period begins.

If your choice for Auto-Renewal selection is On, and you tried to change it to Off within 14 days of the project's maturity date, your capital in the investment will still be reinvested into a new, similar project after this current project matures since your choice is already locked. However, your Auto-Renewal selection will be turned Off after the reinvestment, and will not renew again after this new, similar project matures, unless you change the Auto-Renewal selection manually again.

The price adjusts to account for the interest that has been accumulating since the last payment. This ensures fairness, so that anyone buying the token pays for and receives their fair share of the upcoming interest payment.

Here is a detailed example to illustrate how it works:

• Project Terms: An investor deposits 10,000 USDT into a project buying 10,000 project tokens with a 12% annual interest rate.
• Total Annual Interest: The total interest for the year is 1,200 USDT.
• Payment Schedule: Interest is paid out monthly, on the 1st of each month. Each payment is 100 USDT (1,200 USDT / 12 months).

Because the interest accrues daily, the value of the token increases smoothly between payment dates.

Scenario 1: Buying on a Payment Date (e.g., January 1st, right after interest is paid)

• On January 1st, the smart contract automatically distributes interest payment to all token holders.
• Immediately after this payment, the token's price resets to its base value of $1.00.
• If you buy 10,000 tokens at this moment, you pay exactly $1.00 per token, and in total 10,000 USDT.
• You will then hold the tokens and accrue interest throughout the month of January, entitling you to the full $0.01 interest per token, and in total 100 USDT paid out on February 1st.

Scenario 2: Buying Between Payment Dates (e.g., January 20th)

• By January 20th, approximately 19 days of the 31 calendar days in January interest period had passed. This means about ~61% (19/31) of the next interest payment has already been earned.
• The seller or mortgage company who has held the token since January 1st has accrued ~$0.0061 of interest per token, but they haven't been paid yet.
• To be fair, you must compensate the seller for this accrued interest when you buy the token if you do that on January 20th.
• Therefore, the price per token on January 20th will be its base value plus the accrued interest: $1.00 + ~$0.0061 = ~$1.0061, which means that in order to buy 10,000 tokens, you will need to pay approximately 10,061 USDT.
• On February 1st, the smart contract will distribute the full $0.01 interest per token to you as the new token holder, in total 100 USDT. This payment includes the 61 USDT you effectively "pre-paid" to the previous seller and the 39 USDT you accrued yourself from January 20th to January 31st.

After the interest is paid on February 1st, the price resets to $1.00, and the cycle continues. This pricing mechanism guarantees a fair outcome for both buyers and sellers at any point in time.

Our referral program is designed to reward both new investors and the members who refer them. Here's a breakdown of how it works:

For the New Investor (The Referee):

• Boosted Returns: When you sign up using a valid referral code, you will receive a +0.2% APR bonus on your investment returns across all projects on the platform.
• Flexible Sign-Up: You can enter a referral code during sign-up or add it later after your account is created.
• Permanent Link & Ongoing Bonus: Please note that a referral code can only be applied once and cannot be changed or edited after it is submitted. Choose wisely! This boosted return will apply for as long as your investment funds remain on the platform, including upon automatic renewal of projects, until you decide to withdraw your capital.

For the Referrer (The Person who owns the code):

• Earn Ongoing Rewards: As a thank you for bringing new investors to the platform, the owner of the referral code will earn a recurring referral fee.
• Fee Structure: This fee is 0.5% per annum of the total value of assets held by the investor who used your code.
• Automatic Payments: This fee is calculated based on the investor's token balances and investments and is distributed automatically to the referrer's connected wallet address in twelve equal monthly payments.
• Long-Term Benefits: This referral fee will continue for as long as the referred investor keeps their funds on the platform. This includes periods where their investments are automatically renewed. The fee payments will only cease if the investor fully withdraws their capital.

In short, using a referral code is a win-win: you get an immediate and ongoing boost to your earnings, and your referrer earns a passive income for helping grow our community.