1. Abstract
MBO Foundation DAC presents a technology infrastructure platform designed to serve the real asset economy. Unlike traditional financial intermediaries, MBO operates as a Software-as-a-Service (SaaS) provider, delivering two core products: a PropTech marketplace for P2P real estate transactions on XRPL, and a FinTech algorithmic trading platform for institutional clients.
Our non-custodial model ensures that client capital never leaves their own accounts, eliminating counterparty risk and regulatory concerns associated with fund custody.
2. Problem Statement
Real Estate: Traditional property transactions involve multiple intermediaries (banks, lawyers, notaries), high fees (5-10%), and slow settlement times (weeks to months).
Institutional Trading: Pension funds and institutional investors lack access to sophisticated algorithmic trading tools without surrendering custody of their assets to third parties.
Financial Inclusion: Small investors are excluded from institutional-grade returns and governance decisions in traditional finance.
3. Solution Architecture
PropTech Layer
- • XRPL-based smart contracts
- • Digital notary integration
- • P2P marketplace interface
- • Technology fee model
FinTech Layer
- • API-based exchange connection
- • AI-powered algorithms
- • Non-custodial architecture
- • Success fee model
4. PropTech Infrastructure
The Cuandeoro Marketplace enables direct buyer-seller transactions for real estate assets. Built on XRPL (XRP Ledger), it provides instant settlement, low fees, and cryptographic proof of ownership transfer.
Key Features:
- ✓ Smart contract escrow for secure transactions
- ✓ Digital notary coordination for legal validity
- ✓ Instant cross-border settlement via XRPL
- ✓ Tokenized property fractions for accessibility
5. FinTech Infrastructure
Our algorithmic trading SaaS serves institutional clients including pension funds, family offices, and venture capital firms. The software connects to client exchange accounts via API, executing trades while capital remains under client control.
Non-Custodial Guarantee:
MBO software operates with read-only withdrawal permissions. We cannot transfer or access client funds under any circumstance.
6. MBO Token Utility
The MBO token is a utility token on XRPL that provides governance rights and platform access.
Governance
Vote on platform decisions and treasury allocation
Fee Discounts
Reduced technology fees for token holders
Revenue Share
Programmatic dividend distribution via smart contract
7. Governance Model
MBO implements a decentralized governance model where token holders participate in key decisions. Voting power is proportional to token holdings, with proposals requiring minimum thresholds for submission and passage.