Since the start of the 2020s, decentralized finance has experienced remarkable growth. What began with crypto-backed lending and borrowing has expanded into a diverse array of innovative assets and currencies, including algorithmic stablecoins, decentralized oracles, and tokenized real-world assets (RWAs).
Among these, tokenized RWAs arguably represent the greatest opportunity in the entire DeFi market to date, with up to $30 trillion in assets potentially available for tokenization by 2030. However, while stocks, real estate, and commodities like gold are the most obvious starting points, they barely scratch the surface of the immense potential of RWA tokens.
MAIV – short for Multi-Asset Investment Vehicle – aims to lead the next paradigm of RWAs by providing access to tokenized hard-asset backed commercial equity deals – unlocking institutional-grade fixed returns with added potential profit share, with the potential for further profit sharing.
But first things first, what does that even mean?
Enter tokenized equity deals
In the physical business world, companies often require capital to expand their operations. For instance, a property developer might need additional funds to purchase a new plot for its next project, while an industrial manufacturer might need capital to acquire an additional warehouse or expensive machinery. Other opportunities could involve refinancing, white-label deals, and renewable energy financing.
To raise these funds, companies often propose equity deals to specialized investment firms and ultra-high-net-worth individuals (UHNWI). As part of these deals, the investors agree to lend a certain amount of funds (with deals starting from a minimum of $1 to $5 million) for an agreed annual rate, which typically hovers around 15-20 percent.
Additionally, investors take a security on an appraised hard asset, such as real estate or machines, alongside company and personal guarantees if required. This means that in case the companies fail to pay back their investors as agreed, the investors can legally obtain control over the linked assets to recoup their investments, thus significantly reducing risk.
Unfortunately, due to the high amounts of capital required for these kinds of deals, average investors without millions in liquid funds are fenced off from accessing these highly lucrative deals. And this is exactly where MAIV comes in.
The MAIV way
With decades of experience in equity and real estate financing, MAIV founder Nick Taggart noticed a number of inefficiencies that both investors and fund-seeking companies face. Like many aspects of traditional finance, equity financing suffers tremendously from outdated and non-standardized processes.
For example, much of the equity financing process still involves physical documents for agreements, share certificates, and signatures creating delays for deal closure and increasing administrative costs. Additionally, term sheets, which outline the preliminary terms of an investment, can vary widely between investors. There is currently no universal standard – leading to lengthy negotiations and time spent on aligning terms that could be standardized.
Last but not least, the process of selling or transferring shares in private companies is often convoluted, with a lack of clear, standardized procedures for secondary transactions.
MAIV solves these issues by introducing fully transparent processes thanks to tokenization and full EU regulatory compliance. Here’s how.
- The MAIV platform acts as a hub for corporate finance deals. MAIV lists pre-vetted deals along with each investment memorandum clarifying the details and securities that MAIV will hold. For companies, this is an easy and swift way to raise capital for a project.
- When participating in a deal, investors receive a security token specific to the project or pool they are investing in, which entitles them to the specified rights associated with their investment.
- These security tokens will also be tradable on MAIV’s secondary marketplace, enabling any KYC-approved user to sell or purchase ongoing deals. Therefore, investors can always exit a project should they require it – without affecting the position.
As such, MAIV empowers average investors to participate in high-yielding yet secure deals typically reserved for UHNIs and big investment firms, while providing unmatched transparency, flexibility, and security compared to other decentralized RWAs.
The deals
Now, let’s get a bit more specific. By this point, it should be clear that any deal available on MAIV offers not only a highly attractive yield but also securities in the form of underlying assets or guarantees. Let’s take a closer look at what investors can specifically expect from these deals.
First and foremost, MAIV’s primary geographic focus will be on the USA, Western Europe, and Middle Eastern countries, including the United Arab Emirates. These regions are not only characterized by substantial deal flow but also by legal systems designed to create a secure environment for business transactions—an undeniable advantage for investors.
MAIV has established a global partner network of proven operators, including private equity firms, developers, and commercial real estate managers, to provide access to otherwise inaccessible deals. These organizations have facilitated deals worth tens of billions of dollars, while MAIV’s leadership has collectedly transacted in excess of $5 billion.
Following are two examples of deals that MAIV expects to make available soon.
Example 1 – Short Term Business Loan
| Location: Ireland & UK | LTV: max. 65% |
| Type: Business Loan | Expected yield: 10-12% p.a. |
| Term: 1-2 years | Security: first ranking charges over physical properties |
Example 2 – Short-Term Multi-family & Commercial Property
| Location: USA | LTV: max. 60% |
| Type: Real Estate | Expected yield: 8-12% (paid out quarterly), |
| Term: 2-7 years | Security: charges over physical assets |
MAIV vs. DeFi
MAIV is a European company headquartered in Berlin, Germany. Unlike most DeFi operators, many of which are based in off-shore destinations, MAIV is fully EU regulator compliant, including the new Markets in Crypto-Assets Regulation (MiCA), ensuring greater protection for investors and other stakeholders.
Despite this, MAIV remains highly competitive compared to other investment opportunities in decentralized finance. Let’s see how MAIV stacks up against the most popular DeFi and tokenized RWA options.
MAIV vs. crypto lending/borrowing
Crypto lending and borrowing was one of the first DeFi products to enable investors to earn predetermined passive income on their stablecoins and blue-chip cryptocurrencies. Yields are heavily influenced by market conditions. During bullish periods, interest rates typically range from 8-15%, while in bearish markets, they drop to around 3-7%.
Although these yields are generally paid out reliably, recent events have shown that deposits are far from secure. Major market crashes, such as the infamous 2022 collapse of leading crypto lending platforms like Celsius and MakerDAO, have shown how quickly investors can lose their funds with little recourse. This is because these loans are often collateralized by highly volatile crypto assets, which can drop below the loaned amount during significant liquidation events.
While investing in commercial deals isn’t entirely risk-free, it offers investors a better chance of recouping their capital in worst-case scenarios. Physical assets tend to be far less volatile, and contracts in major jurisdictions are typically more enforceable compared to global crypto platforms, many of which are based offshore.
MAIV vs. tokenized real estate
The real estate industry has been booming globally for decades and remains one of the most popular investment choices for the average person alongside stocks, gold, and bonds. On the surface, tokenized real estate seems like a logical evolution. Proponents claim it saves time and costs by reducing bureaucratic efforts while making assets more liquid.
However, the reality is more complex. MAIV contends that tokenized real estate currently available on the market often involves undesirable units that developers struggle to sell to traditional investors. Since real estate is one of the most sought-after sectors in nearly every major economy, developers typically have no difficulty selling their portfolios through conventional channels. Properties that can’t be sold thus often end up as tokenized real estate.
Moreover, tokenized real estate presents numerous legal and operational challenges, as highlighted by CoinDesk. These include the absence of guaranteed yields, lack of investor control over property management, limited transparency about projects, and difficulties in enforcing legal rights via token ownership under current frameworks.
MAIV profits from the real estate sector by financing equity deals instead. This approach offers investors a clear repayment schedule, with yields often surpassing the expected profits from tokenized real estate. Additionally, it comes with robust securities to safeguard investments in case of payment defaults.
MAIV vs. tokenized securities (stocks/bonds)
From a technical perspective, tokenized stocks and bonds are arguably the closest asset types to MAIV’s tokenized commercial deals. Holders of tokenized securities enjoy legal rights to dividend or interest payments and can easily sell their assets for a profit or loss through blockchain-powered platforms.
MAIV provides an excellent diversification opportunity for investors by delivering higher potential yields than traditional bonds and stocks, all within a similarly secure environment.
Start earning significant yields with MAIV
MAIV is on a mission to become the premier platform for high-yielding equity and commercial deal investments. From introducing standardized processes to massively boosting convenience, transparency, cost reductions, speed, and secondary sales, investors and borrowers alike can benefit tremendously.
Public commercial deals are expected to reach the MAIV platform in Q1 2025, enabling anyone to invest in secure high-yielding financing opportunities. MAIV invites everyone to support their mission of reimagining the commercial financing landscape by joining the community on Linkedin, X, Telegram, and Discord.