🏠Overview

The housing model where rent builds ownership instead of paying someone else's mortgage.


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🏠 The Equity Lease Model

πŸ’° Rent Payment
➑️
πŸ’Ž EQTBLT
➑️
πŸ—³οΈ Ownership

Pay monthly

Converts to

Soul-bound equity

Becomes

Governance power

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🎯 Core Innovation: 7-12% of every rent payment becomes permanent equity in the organizationβ€”voting power, spending power, and a stake in everything we build.


The Rental Problem

Traditional renting is a one-way value transfer:

What You Give
What You Get

πŸ’Έ Monthly rent

🏠 Temporary shelter

⏰ Years of payments

πŸ“€ Nothing when you leave

πŸ”§ Property improvements

πŸ’° Value to landlord

πŸ‘₯ Community building

❌ No ownership stake

Rent pays someone else's mortgage. When you move, you leave with nothing.


The Equity Lease Solution

Built By DAO inverts this:

What You Give
What You Get

πŸ’Έ Monthly rent

🏠 Housing + πŸ’Ž EQTBLT equity

⏰ Years of payments

πŸ“ˆ Growing ownership stake

πŸ‘₯ Community participation

πŸ—³οΈ Governance power

πŸ“€ When you leave

πŸ’Ό Your equity stays with you

Every payment builds your stake in community-owned infrastructure.


πŸ’° Rent to Equity Conversion

When you pay rent through the RentalAndRebate smart contract:


The Flow

Step
What Happens

1️⃣

Pay rent in USDC or supported stablecoin

2️⃣

Smart contract calculates base rate + bonuses

3️⃣

EQTBLT mints directly to your wallet

4️⃣

Activity records for governance weighting

All on-chain. All automatic. All transparent.


Conversion Rates

Factor
Rate
Example

πŸ“Š Base

7-12% of rent

$1,500 rent β†’ 105-180 EQTBLT

⏰ On-time

+10% bonus

+10-18 EQTBLT

πŸ“… Tenure

+5-20%

+5-36 EQTBLT

πŸŽ–οΈ Rank

+0-15%

+0-27 EQTBLT

Actual rates depend on property, member status, and payment history.


Example Calculation

Member paying $1,500/month rent:

Component
Calculation
EQTBLT

Base (10%)

$1,500 Γ— 0.10

150

On-time bonus

150 Γ— 0.10

+15

1-year tenure

150 Γ— 0.10

+15

Contributor rank

150 Γ— 0.05

+8

Monthly Total

188

That's $188 worth of equity every month, in addition to housing.


chevron-rightπŸ“Š Comparison: Traditional vs Equity Leasehashtag
Aspect
Traditional Renting
Equity Lease

Monthly payment

100% to landlord

Housing + equity

After 5 years

$90k spent, $0 equity

$90k spent, ~$10k+ equity

When you move

Leave with nothing

Equity stays with you

Governance

Zero input

Voting power

Improvements

Benefit landlord

Benefit community

Community

Temporary

Permanent stake


chevron-right❓ Equity Lease FAQhashtag

Q: Can I lose my EQTBLT? A: No. EQTBLT is soul-bound to your wallet and cannot be taken away.

Q: Can I sell my EQTBLT? A: No. EQTBLT is non-transferable to prevent speculation.

Q: What if I miss a rent payment? A: You don't earn EQTBLT for that month. You can catch up, but don't receive on-time bonuses for late payments.

Q: Does my EQTBLT disappear if I leave? A: No. Your equity is permanent. You can return later, spend at DAO businesses, or hold indefinitely.

Q: How do I know the conversion rate for my property? A: Rates are property-specific and displayed in your lease agreement and the platform dashboard.


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πŸ”— Equity Lease Details

Topic
Documentation

πŸ“Š How It Works

πŸ’³ Payments

πŸ“€ Moving

🎁 Benefits


How Equity Workschevron-rightRent Paymentschevron-rightPortability & Transferchevron-rightEQTBLT Tokenchevron-right🏑Member Housingchevron-right

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