🔗The ConstructKoin Protocol
The ConstructKoin Protocol represents a revolutionary convergence of artificial intelligence, real estate development finance, and Web3 technology, operating through a sophisticated dual-entity framework that combines a UK-based lending operation with a BVI-licensed global cryptocurrency platform.
At its core, the protocol transforms traditional property development / construction finance by utilising proprietary AI technology that reduces lending decisions from the industry standard of 2–6 weeks to mere minutes, while simultaneously enabling global participation through a token presale structure that progresses from $0.100 to $1.00 per CTK token.
The protocol’s "Be the Bank" philosophy democratises real estate development finance by allowing token holders to directly participate in a £100M UK property development finance loan book that generates target returns of up to 12% annually. These real estate assets provide tangible backing and rewards distributions to staking participants.
Operating under a comprehensive multi-jurisdictional regulatory framework spanning the UK and BVI, the protocol plans evolution from a utility token during the presale phase to potential stable token-pegged operations by Year 2, subject to business developments and UK digital currency regulatory frameworks.
By maintaining asset backing and through income-generating construction finance loans, profit participation and rental yield and technology in homes across developments. The project scales and continues to grow with partner companies off chain from launch.
Dual-Entity Strategic Structure
UK Entity (ConstructKoin Limited)
Function: Operating company for AI-powered UK lending operations
Jurisdiction: England & Wales
Primary Activities:
AI-enhanced business-to-business lending with minute-level decisions
Proprietary AI property appraisal deployment and BIM integration
Security trustee operations protecting global token holder interests
£100M loan book management generating 9% target returns
BVI Entity (Global Real World Land Assets Limited)
Function: Parent company and global AI-powered Web3 platform
Jurisdiction: British Virgin Islands (VASP-licensed)
Primary Activities:
Global token operations with AI-enhanced management
International real estate tokenization and AI analytics
Stablecoin development with AI-powered stability mechanisms
Strategic AI and Web3 investments across three pillars
Three AI Pillars Integration
Pillar 1: AI-Powered Property Development / Construction Finance
Instant Underwriting: AI algorithms replacing manual processes with 95% time reduction
BIM Integration: Real-time architectural data analysis for immediate property assessment
Predictive Risk Assessment: Machine learning monitoring developer performance and market conditions
Pillar 2: AI-First Real Estate Agency
Intelligent Property Matching: Voice activiated LLM and ML algorithms connecting buyers, sellers, and renters directly to a personalised agent.
Automated Valuation Systems: Real-time pricing using market data and demand forecasting
Virtual Transaction Management: AI handling complete property transactions from enquiry to completion
Market Prediction Analytics: AI-powered insights powering new financial services investment decisions and the launch of regulated consumer lending products
Pillar 3: Intelligent Living Ecosystem
AI Butler Systems: Voice-activated home management learning resident preferences
Energy Trading Intelligence: Integration with energy providers for automated trading at optimal prices
Predictive Maintenance: AI monitoring equipment failures and optimising schedules
Environmental Optimisation: Energy efficiency, water water management, personalised climate, lighting, and air quality management
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