MAIV – The RWA REvolution: Secure and High Yield Investments

The RWA Revolution: Secure & High-Yield Investment

SPEAKERS

JP (CBO of AdLunam Inc.)

Nicolas Taggart - Founder/CEO of MAIV Finance

Please give me your emoji, your favorite one. Just to know that the sound’s coming across. All right, okay, sorry to keep you waiting. It looks like we have a bit of a technical issue getting into the room, but I can see that the room is fast filling up. I can see our speaker’s in as well. Nick, could you unmute say hi to the audience. We'll do a quick sound check before we start the show.

Yeah, sure thing. How's it going? Guys? Everyone can hear me there?

Yeah, loud and clear. Nick, loud and clear. Super. All right, okay, all good. I can see that we have quite a few listeners in the room. So without further ado, welcome, welcome. Welcome to this episode of Diving into Crypto. This is JP from AdLunam Inc., bringing you everything about web3. This is the show where we talk to the movers, the shakers, the candlestick watches and everybody in between on their crypto journey in the web3 space, all the wonderful insights that they would like to share about their space, that they're in, the expertise that they have uncovered. And ladies and gentlemen, you're in for some absolute gems from people who are actually who are killing it in this industry. You'll learn more about it when you listen to our speaker Nick, talking about an exciting sector in the space, which is with RWAs focused on real estate. A few announcements before we begin. Views expressed on this program belong to that of the speaker and are meant for educational purposes only. In case we get cut off, please come back to AdLunam Inc., and you will find a link that will lead you back into the room for this show. What else? Yes, we have a section right at the end for question and answers from the audience. So in case you do come across the question that you want to ask, you can write that into AdLunam Inc., or to our speaker directly. And as far as possible, we'll try and get it answered on the show. If not, we will have it answered. We will tweet it back to you and have it answered right away. This show is brought to you by AdLunam, which is the all in one web3 investment ecosystem, empowering early stage startups from tokenomics to community growth VC fundraising to IDO launches, and throug Web3 investing, as well as with dynamic NFTs, through its monthly pitch arena, it bridges the gap between innovative startups and venture capital. Ladies and gentlemen, without further ado, let's begin this exciting show is about the RWA revolution. You've seen it, you've heard it, you probably want to know what it is about. And for that, our speaker here today is going to show going to tell us a little about that. Nicholas Taggart is the founder and CEO of MAIV Finance. Nick let me know if I'm saying that correctly. He's the founder and CEO. He's been. In construction and project management for over 10 years, and has delivered returns for investors in UK, you know, in the entire development space. But I'm not going to share more about that. I'm going to let Nick talk about it. Nick, welcome to the show once again.

Thank you very much. Glad to be here. Yeah, I think you've pretty much covered my short introduction background in construction and development throughout the UK the last 10 years, my current company would have a portfolio at the moment of about two 50 million pounds projects, as I've said, you know, all through the UK. So real world assets is that's what that's what we're all about. That's what we have the experience and, yeah, glad to be here and answer any questions that come my way.

Super Nick, tell us a little about your background. I know that you spent 10 years in construction, but there has to have been some part of that journey that got you, you know, over the cusp, over to web3. Tell us a little about that.

Yeah, so whenever I saw my background’s in construction and then development, you know, delivering projects with RWAs at scale. So we're talking hundreds of houses of time, and throughout that journey, I have always dabbled on a bit of FX trading, trading, you know, equities and just enough to have an interest and keep it going. And I think that as a crypto market has really came to the public attention, it's a natural progression for anyone to get an get an interest in that market. But I suppose my driving force over the fence to be big time involved in the web3 space. I bore witness to the entire Gamestop saga, and personally know quite a few people you know that were a part of that and had had their trading accounts frozen, stopped out through no fault of their own, lost a lot of money, and at that point, you really started to see the need for a trustless system that people are in control of their own funds. So from then, you know, I've had a huge interest in the web3 space and blockchain tech, and glad to finally be at a stage where we're nearing launch, of May, where we can, kind of, we can blend the benefits of DeFi and TradeFi together for our users. So yeah, in terms of an epiphany moment of why we need blockchain tech, that was it

super I was about to ask that, but thank you for sharing it. Because, you know, that's one of the things that we ask all our guests, you know, what was that moment when you decided web3 is the space to be to me? And that switch just flipped? You know, was there? Was there more to that story? You knowing people who were or other. You watch the entire saga play out with GameStop. It's fantastic. Shout out to, you know, the movie that's out on the series that's out on Netflix. It's absolutely brilliant. It's a fantastic tale, but people who've been stuck in the aftermath of that have not seen it as glamorous. There really, was something that damaged a lot of families. And as you said, right, you need to take control of at least be in the privacy when it comes to situations like this.

Yeah, of course. I mean, whenever you're dependent on a centralized system, you're never going to really be in control of that. And you know, my experience there people who were making quite a lot of money on the way up, had their accounts through no fault of their own, you know, just frozen. You can't do anything with it. And you watch those gains that you've made go down and down and down until you're actually in the negative. And whenever someone has the power to do that, and, you know, in a legitimate way and get away with it, and it's the users, it's the average people that suffer, and it's time for change.

Indeed, indeed, super Okay, so Nick, what was the defining moment for you when you decided to get your web3 you've, you know, so it's fairly simple to think that fine. I've been in the real estate industry. I understand it as it stands in the mainstream sense, right? Help us understand, you know, what is the current landscape where real estate is concerned? I understand that. You know, it's, of course, it's billions of dollars in the UK itself. Was that your key focus? Was it, you know, projects that go beyond what was your approach?

Just, just clarify your question.

Sure. So when it comes to the real estate, when it comes to your focus, the team's focus, of course, in the real estate market, the first one is to look at, of course, the immediate present is ones in the UK, right? Or a specific geography. Let's just, put it that way, given that you have experience in that space, what is the mainstream industry looking like?

Yeah, look, the UK market is extremely strong. Always has been, and tends to remain, so even whenever the rest of the you know, markets around it up a little. I always describe mainland UK as a large train. You know, it's a market that just keeps going. And sometimes it might slow down, but it never stops. Thankfully, we're in a period of time where the market is booming, but, yeah, that market drives forward no matter what. In terms of MAIV’s plans to initially deploy in the UK, it's purely down to that. It's consistency. It's a market we know it's, it's, it's just a market that's got a huge demand and very, very little supply. I think the last time I looked at the figures there, the government recently changed its target of 300,000 homes per year to a guideline, as they do not believe that they will be able to fulfill that target. And if we build 300,000 homes per year in the UK for the next 50 years. We're not even close to, you know, solving a fraction of that demand. So, yeah, in terms of supply to demand, the UK is the place to be.

Wow. That's, that's phenomenal. That 300,000 homes a year across the next 50 years. That's, that's insane, and that's, that's a large, large number.

Yeah, I don't have the exact figure at hand, but it's a severely oversubscribed market in terms of demand. So the UK is where we have a foothold at the moment, and the UK is where we intend to initiate. However, we do have the the people in place for a rapid expansion throughout UK, UAE, Europe, and even to the US,

super Okay, tell us you said that you've got, you've got your team involved. Tell us a little about how it was, getting your team together. How did it all begin? How did MAIV Finance begin?

Yeah, so as I've mentioned there, in my background is residential development in the UK. My company, at the moment, has a quite a large portfolio of about 250 million pounds sterling of projects, and my role there is really dealing on a high level with the different finance elements of those projects, and what you'll find in construction is that the finance vehicles that are available are some of the most secure, high yielding finance vehicles that are there available in the open market. The only problem being that they're not available to the average person, the average investor, or, you know, even high net worth, sometimes your minimum kind of entry level to those are a million to 10 million plus for a bite-sized kind of project. So the idea for me came dealing with that and also have an interest in web3. Why is it that, you know, the web3, the crypto user can't benefit from that, or even the average person in the traditional market? How do we make that happen? So MAIV is all about democratizing access to these high yield, secure investment vehicles. We're taking it away from the, you know, the huge players, or the ultra high net worth individuals, and we're letting everyone get a slice of that. And yeah, look, for the last two years, we've been working on the structure and how we're going to do that, and we're ready to go and onboard our users, allow them to benefit from that, in terms of getting the team together, I'm very fortunate. You know that in terms of on the ground team, we have a highly experienced team already with the business that I'm already involved in. Our core team has the experience of delivering over $5 billion worth of successful projects, and yeah, we're ready to go. You know that team there is the boots on the ground team that makes sure that everything that we bring on has been thoroughly appraised, and it's delivered to its almost success. Beyond that, we have spent quite a serious bit of time getting the right partners in the web3 side of things. So we're partnered with the likes of E-money network, who's going to be the first MiCA compliant chain in Europe. We've got foundership who is a Dubai based accelerator, a vast network there. And we're also partnered with nonce blocks as our Tech Advisors. I don't know if anyone actually knows, Nonce Box there, but they should. They are Tech Advisors and devs for the likes of Polygon, Blacktopia, Sandbox, pretty much any, any you know, household name project that you can think of, Nonce Box as the guys behind it. So it's been, quite a journey, but we're definitely poised for success.

Super Okay, so let's, let's dive a little deeper into the market as it stands, right? I mean, you look at a booming market, of course, one that has very high demand, and, as you said, oversubscribed, right? And you, you want to move that. You want to move certain elements of that onto you, but you want to move certain elements of that onto blockchain technologies to be able to leverage your RWAs in a fashion that you are able to give a slice of it to people who want to invest, right, okay, um, starting with, starting with just the basics of, you know, moving it onto the to the blockchain, what is the vision and what is the plan to be able to do that?

So I think there's a bit of context required there, you know, there, there's a lot of companies at the moment that are tokenizing assets and moving them on chain, which I firmly believe in for benefits beyond providing the yield. But we definitely we believe that to be a highly variable market with less returns and more risk. What we're actually doing is going quite a few steps before that, and the finance element of it that's required to actually, you know, develop a large scale housing project or apartment complex, or whatever it may be, that's what we're we're giving exposure to and fractionalizing So rather than depending on the success of Any individual property, our users actually benefit from the construction stage of said properties, meaning that the returns that may gives its users are actually contracted by developers. We have contracted returns. We have security on any of the investments that we make via the underlying land value. Totally, totally different ballgame, dude, the pure tokenization of assets. But yeah, that's, that's, that's what we're what we're doing. We're allowing our users to benefit from that early stage construction. And in most cases, we don't even depend on the project being finished. Usually we have an exit secured by about 75% completion. So there are multiple layers of security and and I'm good contracts rather than the guarantees word. But yeah, I can, I can go into a bit more depth about the tokenization of assets and the problems that it does solve, but in terms of what makes Dan we allowing our users to benefit from a stage quite a bit before we get there.

Super Okay, yes. And of course, when you know at the start it's a lot easier to bind, or rather, it's a lot less expensive, or it is more cost effective, combined to a project at an early stage before development, as opposed to after. You know, the development occurs just for those of us out there that are interested in real estate market. So MAIV finance comes in at that early stage, and that is the the space that it would like to help finance this project or work with projects and developers on that way. Is that correct?

Yeah. So you, you know, it's, I suppose, a, it's another version of DeFi where we actually benefit from finance fees. You don't have to depend on the success of an individual property. But I suppose we're optimizing the risk reward ratio in lending pools. It's a complete band blend between RWAs and DeFi. I guess what we're doing, we're taking the only, the only people that have previously been able to benefit from these kinds of structures are large commercial firms or ultra high net worth individuals. It's not something that is available in the open market to anyone, and that's what we're doing. I mean, I think Blackrock actually had put a post out there a few weeks back where they were looking at tokenizing the finance structures, you know, tokenizing the actual finance structures that they have. And that's actually closer to what we're doing, except I think we're a bit further ahead than them at the moment. Wow,

that. That's amazing. That's amazing. I. Mean, if you're ahead of what already exists in the market, you know, when, especially with a large institution player like that's always a great step ahead. And that's what I absolutely love about, you know, innovative, innovative projects and innovative companies that come up focusing on some of the key pain areas that and with the solution that is, you know, that is built as you guys have,

yeah, definitely super. Alright. Nick,

so, Nick, that being said, right? You know, it's, of course, great to have something that you're, you're able to find a solution to, but there must be a host of, you know, situations in which there are, let's just say, opportunities to learn in sort of challenges to get over, right? What is, what does some, what do some of those opportunities look like,

in the traditional word, purely, or in bridging the blockchain context?

Primarily for your point of view. And if you could have a contrast, you could share a contrast in, you know, the traditional point, versus how using the technology is going to make it much smoother that would happen.

Yeah. I mean, RWAs in the traditional world, whilst it's probably the most women in one of the largest sectors in the world, I don't think you can get a more traditional setup. There are multiple, multiple layers of bureaucracy. You know, time consuming processes that in most cases are a bit unnecessary. And I suppose the streamlining, the more streamlined that you can become, the more cost effective that you are, and that obviously impacts the more profitable that you become. So there is the opportunity there, as we get more things on chain, for a lot of those processes to become automated, for RWAs to have all associated and required information and Docs attached. It's just, it's a complete game changer. And I know you maybe mentioned there some previous experiences, just specify for me again, there in terms of previous experiences related to the traditional sector,

sure. So in terms of, for example, being MAIV finance, as you said, that is, you know, a lot of red tape, right? Enough that you could wrap a building around in, you know, nice little boat, right? This is a plenty of red tape. There's plenty of challenges when it comes, when it comes to being able to, traditionally, be able to invest in real estate, whether it is property or whether it's in a whether it's apartment, whether it's a new development, you know, just something that you would want to put on Airbnb, for example, right? Yes. And to be able to, yeah, go, go ahead, yeah, just to switch that over, no, just to, just to switch that over into using a technology, it makes it easier. Yeah, that's what I was struggling

Well, a big thing for me at the moment. You know that we see the days of people or families saving their money to invest in the likes of a buy to their property, the the interest rates at the moment and the different costs involved really make that a non viable investment for most. And what we're doing at Maiv is providing a much greater return with a much less risk. You know, as I've mentioned, what we do, everything's via contract. Everything's above board. You compare that to risk in a substantial amount of money for a buy to let property, for example, that is, you know, you're vigil under the unknown. You've got the upkeep, the maintenance and market and everything to look after for in today's market. What is quite a minimal profit. Okay? Yeah, go ahead.

No no, go ahead.

No no, no, go ahead. JP, I'm not sure we've covered your question, but if you've any more, you

you did so. I'm trying to paint a picture for our audience in terms of understanding how systems work, because each geography has, you know, especially when it comes to real estate, right? You have certain spaces in which you can do that very quickly. I'm talking about, not even talking about using of, you know, a high end technology solution, talking about some, in some places, it is very easy to walk into a country. To fill out some paperwork, you know, sign on the dog line, pay your money, and you're walking away with an apartment in that space, right? Or you have an investment in in real estate, in real estate in that particular area, and then you have other spaces in which it would take you a lifetime to be able to, to just get to a bank, take a housing loan, or, you know, a loan, to be able to invest into a property, or to buy a property that you that you would want to do something. And what I'm what I'm understanding from here is with many of you, are able to circumvent that, you know that, I mean, cross that hurdle, relatively easy by easily, by being able to offer, you know, quick and easy access to do your potential clients.

So on top of, okay, everything that I've just said there, you know, I'm not sure what it's like, where you're at, but certainly here you it's not as simple as I want to do that. I'm going to do it. You have to get your lawyers involved. You have to get the bank involved. And with each one of those, you have to get your financial advisors involved. And with each one of those, you're talking weeks of a turnaround time. And they all kind of snowball one on to the other. There's no There's no such thing as a straightforward process. So again, you're touching on that kind of overwhelming bureaucracy that's involved in anything in the traditional real estate market, whereas what we're doing is really using Blockchain technology to automate everything via smart contracts. And yeah, it's, obviously you go through your KYC processes and your verification, but after that, it's a click of a button.

Wow. Okay, and so Nick That is always phenomenal. But give me a contrast between, traditionally, how long it would take you, and, you know, being able to deal that with the click of a button, just what those two just in terms of timelines would look like. Because I think that's, a very, very exciting point to highlight,

yeah, well, to get in the actual development, I mean, your entry there is obviously MAIV finance to pm with, you're going to need between one 10 million of your own capital to invest. That's going to take between site, find legals and your other finance partners, at least a six month process. If we scale it down, and you're talking about a buy to let investment, then you're talking a minimum of six weeks turnaround with the bank. You've got to depend on your seller, which is more time, and then obviously you have to actually market and promote your property have it filled, which could take another number of weeks, so between a three and six month process just to get the foot on the door in either circumstance with ourselves. You know, we'll be running several different kind of core products that users will have access to and as soon as they're through the verification process, which we're working on. But I believe, is also quite instantaneous. It's just a matter of deciding what you'd like and clicking the button.

Fair enough. Fair enough. I'm certain a journey like this could not have been easy, and because there are multiple stakeholders involved, we've already mentioned that a you need to deal with lawyers, you need to deal with banks, you need to deal with development authorities, you know, and the list could go on. How, how are you solving that for a potential in potential investor, somebody wants to invest with high yielding assets, like in MAIVE finance?

Yeah. So how we're starting out, we're kind of taking care of all the the legal and regulatory requirements on our end, and if the as soon as you're through that verification process, you're going to be on a platform that has full European regulator approval. So in terms of the assurity there, you know that everything's legitimate. You don't have to Well, of course, we recommend doing your own research on everything. But from our end, we have it signed off. We're regulated, we're totally legit, so you take that worry out of it. And yeah, I think that as far as the rest of the elements go, it's not really applicable to purchases on property. What you're doing is you're stepping into a defi slash traffic pool, and you're benefiting from the reward that we're offering you. So you just take the entire headache that is that middle ground out of it if you want to earn high yield, but you can that you can count on that's secure and. And, yeah, looking further the maze,

well, it's traditional investment Avenue on its head and only accessible to other people. You know, real estate, for the longest time, has been, has just been a traditional investments Avenue, right? And this model is certainly set up, setting out to change that. So kudos to you, and kudos to you and the team at MAIV finance.

Yeah, thank you. Thank you.

Okay, right? So when it comes to, when it comes to investments, of course, you know, especially in real estate, there are, I know that there is. So if we, yeah, I know that there are a lot of considerations. And as you've said, You've distanced the the the fact that that each investor would probably have to analyze for each project, they're just able to invest into a pool and earn, collectively, from, you know, from a logical and therefore diversify risk as well, right, correct. So, but, yeah, but then at the same so, then at the same time, the expertise rest with you. How do you look at, how do you look at gaging, that some of these spaces would be, you know, more better yielding, as opposed to others. You know, what are some of the things? What are some of the things that people should also look out for in terms of which places could yield better and which ones would be more on average or less risk? What do you think?

Are we talking about,MAIV specifically or the overall kind of market of RWA investment platforms

we could, I was actually starting with, I'm sorry, I should clarify that more from the RWA platforms and then again, focus me.

Yeah, sure. Well, I think the main one, the first one, the big one, is legitimacy. And if you're investing in real world assets, you definitely want to make sure that the company is actually dealing in real world assets and they're delivering what you're you're being promised. So the real world asset world is a heavy regulated industry. So anyone that you're looking at there initially, you want to make sure that they have some sort of certification or regulation approved, or, you know, they're operating under somebody, because, quite simply, if they're not, then they're not doing it legitimately. It's not a it's not a market that anyone can just step into and offer services to the users related to investments in RWAs. So that's definitely the first one. The second one is the track record. Again, there many platforms out there that are offering different services related to our wa but RWAs is a real world, tangible product or real market, so you want to make sure that the team and the company there actually has experience In providing what they're promising to provide you with and then, obviously, it's just, it's to your own risky reward. I mean, there's, there's lots of different platforms that offer tokenization, and, yeah, there's a, there's a big difference in average or projected yield compared to real yield. So I would definitely be checking historical performance equally. There are quite a few platforms that are, you know, at least, advertising to be offering soon, some products that are similar to what we're doing. But you know, having been on this journey and gone through everything that we've went through, there's a lot of these platforms that are promising to deliver things that we just know that they're they're not going to be able to deliver. So again, you're going back to that legitimacy. How legitimate are these platforms are? Is there actually any proof in the pudding? Are they actually offering what they say they're offering? It's, it's really just a case of, as always in this space, do your own research and make sure that things are as they they say they are.

Well, um, yeah, that's certainly something to watch out for. Okay, um, so at the same time. So these are, these are some of the key things that you know you're, you're able to just solve, especially when Maeve is concerned. That's brilliant. Uh, can I ask? What does MAIV stand for?

Multi Asset Investment Vehicle. So, multi-asset as opposed, yeah, so instead of. An investing on a single property, or, you know, a fractional share of a single property. What we're doing is, obviously RWA is at scale, there are multiple assets at any time,

okay, okay, so that puts it in perspective. I should have asked you that at the beginning, fair enough. All right, okay. Nick, when, Okay, so moving, on to another facet where this is concerned, right? So you're looking at a landscape in which you have traditional cash flow, moving into a traditional asset Avenue. You're utilizing, web3 and RWAs to be able to help shift that focus right? Two parts to this question. The first one is, will people easily be able to invest from either the UK or, you know, I mean, across the world, in various places, they're different. There are different regulations, of course, but in the UK, is it? Is it permissible? You know, are they challenges? Are we still waiting for some regulation to change? What's happening on the ground

in the UK? On the ground? Yeah, we are actively looking at ways that we can offer our services to UK residents, and as I mentioned there, we will be operating under full European regulatory approval, so we will be able to offer our services to everyone in Europe. And to be honest, most countries in the world, once you have that, they are, you know, if you have European regulatory approval, then that's good enough for them. At the moment, we will not be offering platform services to users within the UK or the US. However, that does not affect our fund deployment, as we know we've got the SEC in the US, and we have the FCA in the UK, and we're working very closely with our legal team to work with the FCA and get a product that we can get out there to our users. But in the initial phase, we will only be offering our services to European and otherwise.

All right, fair enough. Fair enough. But you know, giving them access to the UK market itself is, you know,is a huge, huge draw for people in that space, considering, the CAGR on real estate, and You of course, the rent kills everybody, right? Yeah, yeah. Well, sadly, that's a strong, that's kind of a strong indicator as to, you know, what your ROI could be. It's, not exactly the best, but hey, as as long as the goings good, the going skip, right, that's, that's just business for you.

Sorry. What's that you said about ROIs?

Oh, yeah, in terms of, you know, as a dipstick for your ROI on real estate investments, the rising prices of rents are usually considered a good, good indicator,

yeah, of course. But yeah, I keep going back to, you know, that's the tokenized, fractionalized assets model. We, don't really have any concern for rental prices or otherwise when it comes to delivering returns. We, as I've mentioned there, you know, you're getting on where your average investor can't and benefiting from the construction phase of those developments. So really, when it boils down it's the rental price has been an indicator of the market. Yeah, that's great, but it's of no concern really, whenever it comes to us delivering our returns.

Fair enough. Fair enough. All right. Nick moving, so the second part of this question was this, do you believe that this investment strategy will be able to change the face of investments when it comes to real estate, you know, and hopefully at some point in the UK as well,

yeah, by time. I mean, everyone outside of the UK is still, still able to invest in the UK. It's really down to the specifics of the FCA as to actually users from the UK participating. But yeah. I mean, the entire thing about the Mave ecosystem there is it provides accessibility to its users. And a very interesting thing is that we will be web2 and web3 compliant. So if you imagine all of our competitors in the traditional world, they manage at minimum, hundreds of billions, if not trillions, of funds whenever they're trying to do so. Similar things. However, they offer a return that's nearly 3x less than what our minimum return is. We are able to provide that by focusing on high quality equity investments only. And yeah, as soon as we start to tap into that market, it's going to lead to the onboarding of but, you know, a small percentage of that market leads to the onboarding of billions under the web3 ecosystem. So, yeah, I definitely think we have the potential to change the face of traditional investing.

Oh, super. That means there are exciting times ahead.

Yeah, definitely we will be in anything that I can see, the first platform able to offer those kind of services to web2 and web3 under full European regulatory approval.

Super, super. Thank you. Nick, okay, that being Nick, that being said, right? I mean, when it comes to, when it comes to making, to making investments in defy in in real estate as well. One of the things is, you know, being able to mitigate risk, right? What are some of the risks that you are able to mitigate. I mean, if, if somebody were investing, you know, differently, into real estate, this city being able to invest through MAIV finance, what will be some of the advantages that they would have against some of the risks that they would encounter otherwise?

Yeah, so all of MAIV’s investments are actually secured by the underlying land value. And as a project progresses, you'll be able to imagine there that as a project progresses, that land value is ever increasing, therefore mitigating the actual investment risk our returns are all are contracted by the developer by way of company guarantee, usually, in most cases, personal guarantee as well, meaning that regardless of market conditions, the developer is contracted to provide us with those finance fees. Failing that, we do have a lean on the land that has ever increased in value all throughout and that provides, you know, several layers of security. And beyond that, we have an in house team that, as I've mentioned, has the experience of successfully delivering over $5 billion worth of projects. So in terms of project appraisal and choosing the right projects to onboard, and they are our funding, we are we're switched on. We know what we're doing. We have the multiple layers of risk mitigation that I've mentioned related to security, but in terms of the margins that we work with to I suppose, give a project the Okay, we have several additional layers there as well,

super okay. Okay, so that puts it in perspective for me, in terms of why this would be, why MAIV finance would be a more secure layer or a more secure vehicle when it comes to when it comes to investment. Is there any, is there any consideration that, because when it comes to real estate, of course, transfer of title, transfer ownership, becomes a key factor that drives a lot of regulation, right, especially when it comes to from a foreign entity. I know that this may be a little specific, but out of pure curiosity, how does it work differently through this investment vehicle?

Yeah, whenever you talk about transfers title and transfer of ownership and those kind of things, I think that question is more related to a platform that tokenizes assets, which we do not we will be operating as a development and Asset Fund, fully regulated and approved by the European regulator. So whenever you are talking about transfer of ownership, etc, MAIV actually makes the equity investment on a project and has ownership of the land. How it works in any development project, you have an equity investor, you have a debt provider, which is usually, you know, a bank or a private bank, and you have the developer. So your equity provider provides the initial tranche of capital, reaps the reward for doing so, and towards the end of the project, once the equity providers facility is fulfilled, ownership is transferred.

Thank you for clarifying that. Nick,

yeah, in terms of being a user of the platform or a user of MAIV finance, that's not something that you need to be concerned with.

Fair enough. Okay, yeah, and I think that that puts it in perspective. And thank you for clarifying that as well. Nick, okay. So a day at the day, a day at the office, at MAIV is certainly going to be something, something very interesting. You know, tell us a little about what that kind of looks like. You know, when you're hanging out with the team?

Yeah. I mean, at the moment, we're gearing up for launch, so everything's quite back to back, and we're working with all of our different marketing avenues, all of our different legal avenues, all of our different actual development avenues. I mean, we're currently, we're currently working with 100 million pipeline of projects that we're ready to step into. So everything from site visits to back to back zoom calls with guys all over the world. I'm sure anyone who's in the web3 space knows what it's like a day at the office in May is quite intense at the moment.

I can't imagine it would be, because you guys are gearing up for a lot. I should ask you, but before you know, I did ask you about the transfer ownership point. One of the other things I've been meaning to ask was, how does, how does Maeve distinguish itself from other RWAs, considering that, you know, you know, offering something new to the market,

yeah, well, I think the first, the first thing that'll grab everyone's attention is the difference in the returns that we offer. Again, most of RWA platforms, they tokenize you're dependent on the success of individual properties. You get anywhere from maybe 47% if you are lucky, to get a good property. And our minimum starts at 12 and goes to 20, Project dependent. So I think that, first of all, that high yield, I've mentioned the several layers of security that are involved. So I guess a peace of mind that you don't have with other platforms. And a big thing is that users have start and end dates if they wish, or they can pull out their funds, depending on which pool it is. Whenever you buy a fractionalized asset, if it's not performing, then you have to essentially dispose of that asset in the secondary market. There is no middle ground with MAIV. If you're if you're in there for a 12 or 20% return, whatever it may be, then that is what you receive. There is no reliance on, you know, third party successes. So, yeah, look, I think what we're offering is something quite new to the market. It's a blend of DeFi and tradeFi, it's risk, reward ratio optimization, and, yeah, it's just going to be a user friendly, great place to be,

super All right, okay, few other I've got, I've got few Other questions, of course, you know, and some of them have already started coming in from the audience. So we're gonna go to that as well. Before which I gotta ask, you know, Nick, when are you? You said Maiv is getting geared up for launch. It must be, of course, you know, exciting, exciting to have that happen. Do you have a launch date in mind, what should the what should the community look out for?

Yeah, so you know, again, just to touch on that kind of democratization of how you yields, and everything that I mentioned earlier, until this point, you know, we have purposely avoided introducing any VCs at this stage, and that is essentially to let the community benefit the most. We're going to be doing a fair launch now. Well, I can't give any specific dates, but I would definitely keep your eyes peeled. Join the community. It will be imminent, and, yeah, we're going to give the community the best chance possible attaining as many MAIV tokens as they can. We are gearing up with several leading KOLs, and we're going to push out our launch announcements very soon, so just keep your eyes peeled.

Well, you've been matured two coffees. And, yeah, look in, in my experience, you know, in the traditional world as a developer, and also in the web, three space trading, the Gamestop thing I mentioned, it's, it's almost, you know, it really, really annoys me that the things that there are out there, the financial instruments and financial vehicles that are out there to benefit from, most people don't even know about most people haven't even heard about I get out of bed every morning to drive me forward and democratize access to these high yield and secure investments. I don't believe that anyone should not have the ability to make more of themselves or their financial situation with what they have, no matter how limited or how much, or anything else, I think that we, we just, we need to open it up for everyone,

fair enough. Okay, thank you, Nick, thank you for sharing that and Nick, how do you? How do people reach out to you? How do they reach out to may finance, you know, if they, if they want to, if they want to, if they want to connect, what should they do?

Yeah, check us out on Twitter, uh, MAIV finance, yeah, search it will be there. Um, join our socials. Any questions that you have, just jump on the telegram. And I'm usually there. if I'm not commenting in the telegram, you can tag me whatever the team's always around, you know, so jump on Twitter. You'll get links to everything else there, and, yeah, keep your eyes open. Great.

Thank you. Nick once again, all right, ladies and gentlemen, it is that time for questions from the audience. I'm going to pick a few. I see a number of them have come in from some of our regular listeners. I see questions in from snowy, from parallel collab, from Lawrence as well. All right, let me. Let me take the first one. Okay, so Lawrence asked question, which says you, since you're not fractionalizing the actual property, then what you're doing is, where is the actual tokenization taking place? Just to clarify that,

yeah, so we're not fractionalizing assets. We're developing assets, so to speak, or properties. So if you want to take it back a step, if you imagine whenever a property or properties are being built, you need money to build those properties. It's that money. It's that finance that we're involved in. So you can't, you can't get involved in a project any earlier than you can with Maeve. The properties that are built through us, through our developments, are sold in the traditional market via the developers that we onboard. It's, to be honest, just just just to finish off on that, you know, it's something that we've we've talked about as well in the team with specific projects that we that we decide, you know, that are best placed for the community, and that there are several things that we're looking at where some of these developments, tokenization of an actual property, may be possible, not that it may be possible, but we may do if there's community demand for that in Some of the, you know, most sought after places in the UK. So, yeah, it's, we're open to it, but in terms of tokenization of assets, at the moment, you don't, you don't need to worry about that side of things.

Fair enough. Okay, Nick, moving on to our next question. What are some of the what are some of the challenges that you face with paddle clap has asked this question in terms of tokenizing real estate, but that's not what we want to focus on. What instead, let's shift that question to understand, because you've already asked we've already answered this one before. But what are some of the challenges when it comes to financing in the real estate

in the traditional market, some of the issues with in the traditional market, in the UK, there's no real issues with getting finance for projects. It's more so the traditional processes lead to expedited timelines, or, sorry, lead to longer timelines. And you know, the amount of bureaucracy involved there. There's no issues in the traditional market. But time equals money, and time extra time is just inefficient. And how we're doing it, we're obviously automating everything with electronic agreements, smart contracts. We're cutting out a lot of middlemen in the traditional world, as I'm sure everyone is aware there, there is definitely some of your audit processes in every industry that that you feel could be cut out of the equation. So yeah, we're making things faster, more efficient and easier. Yeah, yeah. I think, I think just underline it time. Time is money, and time is the main issue in the traditional market.

Oh, without a doubt, and time is life, right? So you can't, you can't put a price to that, but certainly, certainly, the quicker you're able to execute on something the better, especially when it comes to, you know, high capital investment avenues, like, like real estate. Alright, one last, one last question, this coming in from Gloria, one of our regular listeners on the show. And she asks, right, what are some of the hottest spots for property in the UK.

of the hottest spots for property in the UK. Yeah, hey, anywhere in southern England, you know, anywhere around London, the UK, is a super, super strong, one of the strongest markets in the world, and within the UK, you've got London, which is almost like its own microclimate, or micro market, that has its own peaks and throats and everything else. But anywhere in London, London just continues. We do a lot of projects on the borders of London, since covid, since covid, the borders of London, you know, anywhere kind of an hour, within an hour, journey to your journey, have become really, really hot, because people no longer have a, you know, Monday to Friday, nine to five that they must be in the office With so much hybrid working and working from home, it's allowed people that are starting to have families or want to move out of the city to actually move out. And what that has done is driven a real, real growth and in house sales and prices and all of the surrounding areas outside of the city. So if you're anywhere within a two hour transit to London, and I would, I would consider that to be one of the hottest areas of the UK market.

Super Thank you. Nick, all right, ladies and gentlemen, that's all the time that we have. That's all the time we have on the show today. Nick, thank you so much for accepting our invitation and being on the show. Thank you for sharing these gems that, these absolute gems when it comes to you know, this new investment Avenue. All the best to you at MAIV finance and to your team as well. I will keep an eye out for you too.

Awesome. JP, thanks for having us. Um, yeah. Really enjoyed that. And we'll, we'll be in touch.

All right. Cheers. Okay. Ladies and gentlemen, thank you so much for tuning in to Diving into Crypto. We'll be back next week at the same time, at the same place. Be sure to follow AdLunam and see and tune in to our our other podcasts as well. The future of NFT is hosted by Nadja Bester the co-founder of AdLunam. It's on Tuesdays at the same time. Oh, give us a listen. Drop us a like, drop us a comment, you know, tell us. Tell us what you thought about the show. All right, and that's it. This is JP from AdLunam Inc., bringing you everything about web3. Have a good one. Cheers. You.