Systems and methods for performing a real property transaction

1 . A method for performing a real property transaction, comprising:

issuing a plurality of first tokens using blockchain, on a decentralized network, wherein the plurality of first tokens represent ownership in the real property;

determining a minimum retained equity associated with the real property based on homeowner's credit score, a debt to income ratio, and a composition of a risk pool, wherein the risk pool comprises a pool of second tokens comprising a first portion of the plurality of first tokens;

allocating the first portion of the plurality of first tokens to the risk pool by:

transferring the first portion to a risk pool digital wallet address;

recording the allocation transaction on the blockchain with a timestamp; and

updating a risk pool composition with the allocation;

transmitting, by a first computing device, a first network function request related to the real property transaction to the decentralized network, the first network function request including first information, wherein the first information comprises a sale of a second portion of the plurality of first tokens on the blockchain;

using an algorithm to determine which of the plurality of first tokens are included in the second portion of the plurality of first tokens in the real property transaction;

determining if the real property transaction maintains the minimum retained equity; and

generating a secure record by:

creating a cryptographic hash of transaction data including token identifiers, transaction amounts, and participant addresses;

digitally signing the hashed transaction data using a private key;

broadcasting the signed transaction to network nodes for validation;

receiving consensus confirmation from a majority of network nodes; and

recording the validated transaction in a new block added to the blockchain to maintain

secure chain of title for the real property.

2 . The method of claim 1 , further comprising issuing an occupancy token to a homeowner, wherein the occupancy token confers rights to occupy the real property.

3 . The method of claim 1 , wherein the minimum retained equity is dynamically adjusted based on changes in the homeowner's credit score, debt to income ratio, risk pool composition, or any combination thereof.

4 . The method of claim 1 , wherein the real property transaction comprises a fractional sale of the real property.

5 . The method of claim 1 , further comprising updating valuations for the real property at predetermined intervals.

6 . The method of claim 5 , further comprising:

issuing, using the blockchain, Home Price Index (HPI) tokens associated with the real property;

determining an appreciation value for the real property based on the updated valuations; and

unlocking a portion of the HPI tokens based on the determined appreciation value.

7 . The method of claim 6 , further comprising:

transmitting, by a second computing device, a second network function request related to the real property transaction to the decentralized network, the second network function request including second information, wherein the second information comprises a sale of the portion of HPI tokens on the blockchain.

8 . The method of claim 1 , wherein in response to a default:

utilizing the risk pool to advance payments or cover expenses; and

repay the advance payments through a sale of excess equity or liquidation of the real property.

9 . The method of claim 1 , wherein the real property transaction is initiated by a homeowner or an investor.

10 . The method of claim 1 , wherein the secure chain of title comprises hashed and timestamped records of all transactions related to the real property.

11 . A system for performing a real property transaction, comprising:

a blockchain-based decentralized network;

a first computing device; and

at least one processor configured to:

issue a plurality of first tokens using the blockchain-based decentralized network, wherein the plurality of first tokens represent ownership in the real property;

determine a minimum retained equity associated with the real property based on a homeowner's credit score, a debt to income ratio, and a composition of a risk pool, wherein the risk pool comprises a pool of second tokens comprising a first portion of the plurality of first tokens;

allocate the first portion of the plurality of first tokens to the risk pool by:

transfer the first portion to a risk pool digital wallet address;

record the allocation transaction on the blockchain with a timestamp; and

update a risk pool composition with the allocation;

receive, from the first computing device, a first network function request related to the real property transaction, the first network function request including first information, wherein the first information comprises a sale of a second portion of the plurality of first tokens on the blockchain-based decentralized network;

determine which of the plurality of first tokens are included in the second portion of the plurality of first tokens in the real property transaction;

determine if the real property transaction maintains the minimum retained equity; and

generate a secure record by:

create a cryptographic hash of transaction data including token identifiers, transaction amounts, and participant addresses;

digitally sign the hashed transaction data using a private key;

broadcast the signed transaction to network nodes for validation;

receive consensus confirmation from a majority of network nodes; and

record the validated transaction in a new block added to the blockchain to maintain

secure chain of title for the real property.

12 . The system of claim 11 , wherein the at least one processor is further configured to issue an occupancy token to a homeowner, wherein the occupancy token confers rights to occupy the real property.

13 . The system of claim 11 , wherein the at least one processor is further configured to dynamically adjust the minimum retained equity based on changes in the homeowner's credit score, debt to income ratio, risk pool composition, or any combination thereof.

14 . The system of claim 11 , wherein the real property transaction comprises a fractional sale of the real property.

15 . The system of claim 11 , wherein the at least one processor is further configured to update valuations for the real property at predetermined intervals.

16 . The system of claim 15 , wherein the at least one processor is further configured to:

issue, using the blockchain-based decentralized network, Home Price Index (HPI) tokens associated with the real property;

determine an appreciation value for the real property based on the updated valuations; and

unlock a portion of the HPI tokens based on the determined appreciation value.

17 . The system of claim 15 , wherein the at least one processor is further configured to:

receive, from a second computing device, a second network function request related to the real property transaction, the second network function request including second information, wherein the second information comprises a sale of the portion of HPI tokens on the blockchain-based decentralized network.

18 . The system of claim 11 , wherein in response to a default, the at least one processor is further configured to:

utilize the risk pool to advance payments or cover expenses; and

repay the advance payments through a sale of excess equity or liquidation of the real property.

19 . The system of claim 11 , wherein the real property transaction is initiated by a homeowner or an investor.

20 . The system of claim 11 , wherein the secure chain of title comprises hashed and timestamped records of all transactions related to the real property.