🏠Overview

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

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🏠 The Equity Lease Model

💰 Rent Payment	➡️	💎 EQTBLT	➡️	🗳️ Ownership
Pay monthly	Converts to	Soul-bound equity	Becomes	Governance power

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

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The Rental Problem

Traditional renting is a one-way value transfer:

What You Give	What You Get
💸 Monthly rent	🏠 Temporary shelter
⏰ Years of payments	📤 Nothing when you leave
🔧 Property improvements	💰 Value to landlord
👥 Community building	❌ No ownership stake

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

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The Equity Lease Solution

Built By DAO inverts this:

What You Give	What You Get
💸 Monthly rent	🏠 Housing + 💎 EQTBLT equity
⏰ Years of payments	📈 Growing ownership stake
👥 Community participation	🗳️ Governance power
📤 When you leave	💼 Your equity stays with you

Every payment builds your stake in community-owned infrastructure.

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💰 How It Works

💰 Rent to Equity Conversion

When you pay rent through the RentalAndRebate smart contract:

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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.

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Conversion Rates

Factor	Rate	Example
📊 Base	7-12% of rent	$1,500 rent → 105-180 EQTBLT
⏰ On-time	+10% bonus	+10-18 EQTBLT
📅 Tenure	+5-20%	+5-36 EQTBLT
🎖️ Rank	+0-15%	+0-27 EQTBLT

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

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Example Calculation

Member paying $1,500/month rent:

Component	Calculation	EQTBLT
Base (10%)	$1,500 × 0.10	150
On-time bonus	150 × 0.10	+15
1-year tenure	150 × 0.10	+15
Contributor rank	150 × 0.05	+8
Monthly Total		188

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

📈 Building Stake

📤 Portability

🎁 Benefits

⛓️ Technical

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📊 Comparison: Traditional vs Equity Lease

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

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❓ Equity Lease FAQ

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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🔗 Equity Lease Details

Topic	Documentation
📊 How It Works	Detailed Mechanics
💳 Payments	Rent Payment Process
📤 Moving	Portability & Transfer
🎁 Benefits	Full Benefits List

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🔗 Related Pages

How Equity WorksRent PaymentsPortability & TransferEQTBLT Token🏡Member Housing