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Get greater transparency in the home buying process

Our distributed ledger technology (DLT) — blockchain marketplace — streamlines and provides better mortgage lending transparency for all. Lenders’ broad adoption of our DLT marketplace will help lower costs substantially while providing secure transaction records and computer-age settlement times.

Faster closing times

Upload only once and store all of the various paper documents exchanged between players onto a distributed network that is more secure than the status quo. This makes data easier to access and reduces the time to validate by up to 60%.

Better data traceability and transparency

Organizations can use the information only with customers’ consent, and no central entity would be able to compromise a consumer’s identity. The best part is that you will only need to upload the documents to the blockchain once and track who has access.

Anonymous, yet personalized research

Home Lending Pal gathers underwriting guidelines from lenders for simulation to determine approval likelihood without you needing to interact with a sales representative.

Get smart with your contracts

Smart contracts streamline, validate and record the mortgage and property transactions with greater borrower traceability and transparency than ever before.


Yes. Most associate blockchain with cryptocurrency but our primary use case is for document management purposes currently.

Yes, we do believe it will change the lives of millions for the better.

The purchase of a home requires some form of insurance, like bank records or credit scores. The current process makes things safer for sellers but can exclude people who don’t use a bank or have significant credit. Blockchain can help both parties and even incorporate alternative credit.

Blockchain transactions are beneficial to the buyer because of the lack of transaction fees or the need to provide proof of identity. They help sellers by verifying the purchase so they know they’re not getting cheated. Neither party can manipulate a blockchain transaction, making it more secure all around.

Our goal is to digitize and automate the document exchange process. Every interaction from every user presents a learning opportunity for our artificial intelligence. Ideally, the answer would be no, but there may be rare occasions when your profile is used to teach our artificial intelligence.

In these instances, please be patient and bear with us. We have always preferred to allow potential borrowers to be involved in our development process, which is not always perfect.

Tokens are used to implement changes between states. When somebody does a transaction, this is a change of state, and the HeLP token is moved from one block to another. Apart from that, transactions can contain additional data, and a change of state is used to mutate data—the only way to do this in an immutable-by-definition blockchain. Technically, a blockchain doesn’t need tokens for its essential operations, but without them, some other method needs to be introduced to manage states of the chain and to verify transactions.

Every full node on the network does block verification. When a new block (your information) is announced, every node that receives it does a list of checks. The two most important checks are of proof of work (if a block provides enough work to be included in the chain) and of the validity of all transactions (each transaction must be valid).

Due to its decentralized nature, Blockchain removes the need for middlemen in many processes for fields such as payments and real estate.

Blockchain is far more secure than other record-keeping systems because each new transaction is encrypted and linked to the previous transaction. As the name suggests, blockchain is formed by a network of computers coming together to confirm a ‘block.’ This block is then added to a ledger, which creates a ‘chain.’ Blockchain is formed by a complicated string of mathematical numbers and is impossible to be altered once formed. This immutable and incorruptible nature of blockchain makes it safe from falsified information and hacks.

Yes. With the blockchain ledger, each time an exchange of documents is recorded on a blockchain, an audit trail is present to trace where the documents came from. This helps improve security, reduce and prevent fraud during information exchange, and verifies the exchanged assets’ authenticity.

Have them fill out this form to learn more about our Blockchain-as-a-Service offering to financial institutions. BaaS or Blockchain-as-a-Service allows lenders to easily integrate Blockchain technology into their businesses without disrupting their daily processes.

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