MBSXMortgage Markets,
Rebuilt
Mortgage-backed securities are the backbone of American housing.
Now, for the first time, they are going onchain.
The Largest Untokenized Market
in the World
Mortgage-backed securities are a $15 trillion market — the second largest fixed-income asset class after U.S. Treasuries. Yet it still runs on legacy infrastructure: T+1-3 settlement, manual reconciliation, and zero retail access. Until now.
MBS is one of the most liquid markets on earth — yet its infrastructure hasn't been modernized in decades.
Everyday investors have never been able to directly invest in MBS pools. OWNR changes that with fractional tokens from $10.
Three days to settle a trade. Billions in capital locked up. OWNR delivers atomic settlement in ~12 seconds.
*Retail investors are still prohibited from investing in MBS assets like TBAs and CUSIP-specific pools, but OWNR provides access through tokenized funds.
Financial assets are becoming programmable.
The tokenization of real-world assets is not just about putting securities on a blockchain. It is about fundamentally changing what financial instruments can do.
- Settlement becomes instant
- Ownership becomes transparent
- Compliance becomes programmable
- Markets become globally accessible
Assets are no longer static financial instruments. They become programmable financial primitives.
Infrastructure Evolution
Markets evolve when infrastructure evolves.
Every generation of markets has been defined by the infrastructure beneath it. Floor exchanges gave way to electronic trading. APIs unlocked algorithmic strategies. Cloud infrastructure enabled global scale. Now, programmable blockchains are enabling the next transformation: markets that settle instantly, operate 24/7, and run on transparent, auditable code.
Two Markets. One Platform.
OWNR serves two audiences on one platform: institutional infrastructure for dealers and market makers, and retail access to MBS yield for everyone.
For Institutions
- 1:1 digital twins of MBS CUSIPs
- Atomic DvP settlement in ~12 seconds
- FIX/DTCC integration, zero workflow disruption
- Market making & LP yield opportunities
For Retail Investors
- Invest in the housing market from $10
- Government-backed yield, 24/7 trading
- Pick regions, sectors, and risk profiles
- No brokerage account needed
The Future of MBS Starts Here
Whether you're an institution looking to modernize MBS infrastructure or an investor ready to access government-backed yield — OWNR has a place for you.