Institutional Solutions

The Next Generation of Mortgage Markets

OWNR enables financial institutions to bring mortgage assets onto programmable infrastructure for issuance, distribution, liquidity, and capital efficiency.

Mortgage pools, ETFs, and structured mortgage funds can be represented onchain while preserving their underlying exposure and regulatory structure.

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A shared infrastructure for institutional participants

Mortgage markets involve a wide range of institutional actors. OWNR provides a common infrastructure layer that allows each of them to participate in tokenized capital markets.

Banks & Mortgage Institutions

Originate and hold mortgage assets, extending exposure into programmable markets.

REITs & ETF Issuers

Issue tokenized versions of existing mortgage products for expanded distribution.

Liquidity Providers

Provide professional liquidity across tokenized mortgage markets and instruments.

Institutional Investors

Allocate capital to mortgage exposure through tokenized formats with new capabilities.

Every Advantage. Zero Disruption.

FIX/FpML middleware means OWNR plugs into your existing systems. No rip-and-replace. Just better infrastructure underneath.

~12s
VS T+3 DAYS

T+0 Atomic Settlement

Collapse T+1-3 into ~12 seconds. Atomic delivery-versus-payment means settlement and delivery happen simultaneously — no more settlement risk, no more failed trades.

60-80%
CAPITAL SAVINGS

Capital Efficiency

Free up billions in trapped capital. Tokenized collateral and instant settlement mean dramatically lower margin requirements, reduced warehouse exposure, and freed balance sheet capacity.

0
COUNTERPARTY RISK

Zero Counterparty Risk

Smart contract escrow replaces trust-based settlement. Every trade is transparent, immutable, and automatically compliant — KYC/AML and TRACE reporting enforced at the contract level.

24/7
GLOBAL ACCESS

Global Distribution

Tokenization breaks MBS out of the closed dealer network. Institutional and qualified investors worldwide can access your products, deepening your order book.

Real-time
POOL ANALYTICS

Onchain Transparency

Real-time loan-level analytics: pool factors, principal balances, CPR, prepayment speeds — all onchain and accessible to every market participant.

90%+
OPS COST REDUCTION

Programmable Infrastructure

Smart contracts automate what humans currently do — coupon payments, compliance checks, reporting, and reconciliation. Reduce ops costs by orders of magnitude.

Built for Efficiency

Mortgage markets operate within highly structured regulatory, custody, and operational frameworks. OWNR infrastructure is designed to integrate with these systems rather than replace them.

Custody Alignment

Aligns with existing custody and settlement frameworks used by institutional participants.

Asset Mapping

Clear mapping between tokenized representations and underlying mortgage securities.

Compliance Controls

Compliance-gated environments built for regulated institutional participation.

Institutional Scale

Infrastructure capable of supporting institutional-scale liquidity and throughput.

Request access to the OWNR data room →

For Banks & Mortgage Institutions

Bring mortgage assets onto blockchain infrastructure

  • Mortgage exposure becomes more portable across markets and counterparties
  • Ownership and transfer records become transparent and programmable
  • Assets can be packaged and distributed through new investor channels
  • Balance sheet assets gain new financing and liquidity pathways
Discuss tokenizing mortgage pools →

For REITs & ETF Issuers

Extend existing products into tokenized markets

  • Mortgage ETFs can trade in continuous markets with expanded global accessibility
  • Fractional ownership lowers minimum investment thresholds
  • Yield distributions delivered directly through programmable infrastructure
  • Existing funds gain a new digital distribution channel
Request access to the OWNR data room →

For Liquidity Providers & Trading Firms

Provide liquidity across tokenized mortgage markets

Continuous markets create new environments for spread capture, inventory management, and market making around mortgage-linked assets.

Professional liquidity is critical to building deep and efficient markets around tokenized financial assets.

Request access to the OWNR data room →

For Institutional Investors

A more flexible way to access mortgage exposure

Pension funds, insurers, endowments, and other institutional allocators already maintain mortgage exposure as part of fixed income portfolios. OWNR enables these institutions to interact with mortgage assets through tokenized formats that introduce new capabilities.

Transparency

Onchain ownership records provide real-time visibility into holdings and transfers.

Liquidity

Access continuous markets with programmable settlement and global reach.

Mobility

Move mortgage exposure across venues, collateral frameworks, and lending markets.

Request access to the OWNR data room →

Unlocking programmable mortgage markets

When mortgage assets exist onchain, they gain capabilities traditional infrastructure cannot support.

Instant Settlement
Transparent Ownership
Programmable Compliance
Continuous Liquidity
Global Distribution

Mortgage exposure becomes a programmable asset within a broader financial ecosystem.

OWNR institutional MBS infrastructure

Build the next generation of mortgage markets

Whether you are exploring tokenization for mortgage pools, expanding ETF distribution, or evaluating tokenized real-world asset markets, OWNR provides the infrastructure to participate.

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