Beeline Holdings, Inc. has closed its first round of blockchain‑tokenized home equity transactions, completing five deals and scheduling 30 additional transactions for the remainder of 2025. The five closed deals total $50 million in equity tokens, with an average transaction size of $10 million. The properties are located in California (3), Texas (1), and New York (1).
BeelineEquity allows homeowners to sell a portion of their home equity without incurring debt, monthly payments, or credit underwriting. The sale is recorded on the Ethereum blockchain and is fully audited by an independent third party. Homeowners pay a 2 % fee on the equity sold, and the platform guarantees repayment only when the property is sold or transferred.
The company has obtained regulatory clearance from the U.S. Securities and Exchange Commission as a registered securities issuer and has partnered with a licensed broker‑dealer to facilitate investor participation. Investors include institutional funds and accredited individuals seeking exposure to residential real estate, with expected annualized returns of 8‑12 %.
While Beeline claims to be the first U.S. platform to tokenize residential home equity at scale, other companies such as Figure have already issued billions in tokenized home equity loans. Beeline differentiates itself by offering a true sale structure—no debt—and by using blockchain to provide transparent, immutable proof of ownership.
Beeline projected that capturing 10 basis points of the $15 trillion trapped residential equity would generate $15 billion in revenue, not $525 million as previously reported. The $15 trillion figure refers to the segment of U.S. home equity that is inaccessible through traditional loans due to high loan‑to‑value ratios or credit constraints.
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