Borrow against the asset. Don't sell it.
For owners of certified reserves, land and other real assets: we build the technology that turns your asset into collateral a lender can verify continuously — without giving up equity.
Tokenization doesn't create capital.
It makes collateral orderly and verifiable: clean title in a vehicle, independent valuation published, reserves attested on-chain, loan-to-value rules enforced. The money still comes from a real lender — a credit fund, private investors or a permissioned lending market that accepts the asset. Finding that lender is the make-or-break piece, and it's on your side of the table. We build what makes the lender say yes faster.
The same need, three kinds of assets.
Certified mineral reserves.
“Our reserves are certified. We want to raise working capital against them instead of selling production forward or diluting.”
Land before construction.
“We don't want to sell the land. We want to use it as collateral to fund the build.”
Stablecoin credit.
“Can we take a stablecoin loan against a tokenized asset?”
What a lender needs to see, built in.
Collateral registry
Permissioned token representing the collateral held by the legal vehicle, with identity-verified holders and transfer rules that protect the lender's position.
Certification → NAV
The independent report (NI 43-101, JORC, appraisal) is anchored on-chain and translated into a net asset value with the haircuts your lender defines. This pipeline is the hardest part to build and doesn't come off the shelf.
Proof of reserve & minting limits
Oracle-based reserve feeds and minting controls, so no more tokens can exist than the attested backing supports.
Loan monitoring
Loan-to-value tracking, revaluation schedules, margin alerts and lender dashboards. Optionally, a dedicated lending module when no external market accepts the asset.
From certificate to credit line.
Certify
Independent qualified person or appraiser issues the report.
Structure
Your counsel places the asset in a vehicle and drafts the security agreement.
Tokenize the collateral
Permissioned token + registry.
Attest
Report anchored, NAV calculated, oracle live.
Lend
Your lender extends credit against conservative loan-to-value.
Monitor
Re-attestation, LTV alerts, repayment and release.
A certification is a snapshot.
A reserve report reflects one moment. Collateral needs ongoing re-attestation so the oracle stays current — budget for it from day one.
Enforcement lives off-chain.
If the loan defaults, the mortgage, pledge or trust must be enforceable in a local registry and court. The token doesn't foreclose on anything by itself.
Who does what.
Is this for you?
- The asset is formally owned and has — or is close to — independent certification (proved or probable reserves, not just “estimated” resources; a current appraisal for land).
- Your operation is formal and can pass lender and AML due diligence.
- You have a lender in conversation, or a realistic plan to reach one.
- Counsel can make the collateral enforceable where the asset sits.
- The only valuation is a private appraisal with no market reference.
- Reserves are still at the early estimate stage.
- The expectation is that the token itself will attract the capital.
“Not yet” doesn't mean no. It means Discovery comes first.
Five phases, from collateral model to handover.
Collateral model, certification-to-NAV design, lender requirements map, firm price.
2–3 weeksPermissioned token, identity registry, transfer rules.
2–3 weeksReport anchoring, NAV engine, oracle and minting limits.
3–4 weeksLTV tracking, alerts, lender and borrower dashboards.
3–4 weeksProduction after the gate, monitoring, training.
2–3 weeksThe mainnet gate.
Same rule as every issuance: no production without a written legal opinion, current independent certification and an approved external audit.
Every project starts with a fixed-price Discovery.
Before a single line of contract code, we turn your business model and your counsel's structure into a technical blueprint: architecture, data or token model, integrations, network choice, risks and a firm price for the build. You own the document. If you build with someone else, it still works for you.
- Fixed price, not hourly
- 1–3 weeks
- Working sessions with your team (and your lawyer, when relevant)
- Firm quote for the rest
You don't build without architectural plans. Discovery is the plan for the digital part.
Check what we've built before you talk to us.
Contracts you can verify.
Smart contracts deployed on BNB Chain / opBNB (ERC-721, ERC-8004 agent identity). Addresses public on the explorer.
Stablecoin and trade-finance builds.
Builder in Web3 infrastructure challenges in Dubai: SME trade finance on Polygon and USDC payments between AI agents.
Field data in production.
Our IoT + AI monitoring for Detecta Security cut theft attempts by 90% — the same capture discipline our traceability systems rely on.
Two bases, two markets.
Entities in Dubai and Santiago de Chile, serving LATAM and the GCC.
We'll show you exactly what we've shipped — and what we haven't — on the first call.
What lenders and owners ask us.
Not by itself. Tokenization makes your collateral verifiable and easier to evaluate; a lender still has to decide to lend. We help you arrive at that conversation with the evidence lenders ask for.
Private credit funds, family offices, groups of qualified investors, and permissioned lending markets for real-world assets — each with its own eligibility criteria. For illiquid assets, expect conservative loan-to-value ratios.
It's possible when the lender or market accepts the asset. Public DeFi lending markets generally don't accept illiquid real-world collateral; permissioned markets do so selectively. If none fits, a dedicated lending module with your own lenders is the alternative.
You can design and build on testnet at that stage. To back credit in front of lenders, you need certified reserves under a recognized standard, reported by a qualified person.
Through scheduled re-attestation by the certifier or appraiser, anchored on-chain and pushed to the oracle. For commodities, the market price comes from the reference benchmark for that metal.
Loan-to-value alerts notify lender and borrower, and the agreement defines what follows: margin calls, additional collateral or repayment. The rules are enforced by contract where possible, and by law where they must be.
No. We're the technology partner. Capital, credit terms and investor relations are handled by you and regulated specialists.
Not by tokenizing it as collateral. What your counsel structures — pledge, mortgage, trust — defines what the lender can claim in a default.
Tell us about the asset and the capital you need.
Asset type, certification status and whether you already have a lender in conversation.
Tokenization doesn't create capital.
Braincoders is a technology provider. We do not provide legal, tax, investment or regulatory advice, do not structure or offer securities, do not raise capital and do not hold client or investor assets. Legal structure, offering regime, asset certification, custody and security audits are handled by the client and independent specialists.