Name: 用代碼投資房地產？！區塊鏈進攻曼哈頓房產市場 (Blockchain Takes Manhattan)
Uploaded: 2022-07-28T21:01:30.000Z
Duration: 4 min 16 s

The crown jewel of the real estate market.

每人都希望有機會能分一杯羹。

And now, thanks to blockchain technology, that may very well be possible.

如今多虧有區塊鏈科技，大家的理想似乎不太遠了 。

This $36.5 million development is being sliced into digital shares, or tokenized, as it's called, so that investors around the world can own as much, or as little, as they can afford.

這要價 3650 萬美元的開發案被切分成數位股份，或者說這房產被數位代碼化了，於是各地的投資客能夠買下某部分的房產，多寡按個人負擔能力而異。

We have the typical bank financing on this project with a conventional bank, and this loan matures in January.

這個專案背後也有典型的銀行融資，我們與傳統的銀行合作，貸款在一月到期。

We've decided to take a right turn and tokenize the debt here on the property.

我們決定轉換方式，將這塊房產的債款進行數位代碼處理。

The construction is 95% complete, we are starting to get inspections in the next week or so.

已經有 95% 完工了，大約在下週我們就會開始接受檢驗。

We have a bank deadline on us, where we have to sell a certain amount of units or repay the entire loan by a certain date.

我們和銀行有約定期限，截止之前我們必須售出一定數目，或必須在特定日期前償還所有貸款。

If construction's been delayed, if the market turns, if competition pops up, and we're not going to be able to hit that deadline, what do you do?

如果建築工程有所延宕、如果市場趨勢轉向、如果競爭對手出現， 讓我們無法在期限之前達成， 那該怎麼辦呢？

So by tokenizing the debt, it gives everyone breathing room to sell at a normal pace with the market instead of against it.

因此藉由將債款數位代碼化，大家都會多出一點喘息空間，跟隨市場的常態腳步進行銷售，而不是逆水行舟。

The people behind this offering reside across the East River, in that other borough.

這套計畫的推動者位在東河對岸、紐約市另一個區。

Here, the blockchain start-up, Fluidity, has teamed up with broker-dealer firm, Propellor, to generate tokens by crafting smart contracts, and in so doing, they could be changing the way we all do business in the future.

他們是 Fluidity，一間區塊鏈新創公司與房產經紀商 Propellor 進行合作，藉由打造智慧型合約來產生數位代碼，他們的做法可能會改變我們未來做生意的方式。

When we started to look at the real estate industry, it's probably one of the most inefficient industries that exist currently.

當我們談到房地產市場，就會發現它大概是現存產業中最缺乏效率的一個。

You have a lot of middlemen, a lot of lawyers, a lot of bankers and just being able to create something that has real impact on an industry like that, I think you're looking at significant disruption.

有一堆仲介人、律師、銀行家才能勉強湊合出具影響力的房地產業，我們面臨的衝擊力量不可小覷。

But for a project determined to eliminate middlemen, there's a lot of people involved.

然而想達成排除中間人的目標，有許多成員必須加入隊伍。

- 團隊激勵者。 - 程式工程師。

An important party that is absent in this equation is a bank.

在整個計畫中缺席的一方是銀行。

These guys create tokens on the blockchain.

這群人負責在區塊鏈上產生代碼，

The tokens represent the condo unit's debt, and can be traded as private securities.

這些代碼代表公寓單位的債款，也能以私人證券的形式進行交易。

If token holders sell their shares, the purchaser can either preserve the tokens on the blockchain, or cash them out, thereby dissolving these tokens altogether.

如果代碼所有人賣出他們的股份，購買者可以選擇在區塊鏈上保留代碼，或者出售換取現金，此舉同時也會使代碼失效。

This, theoretically, would produce more liquidity to a notoriously ill-liquid market.

理論上這能促使缺乏流動性的房產市場變得更靈活。

這是種堅實牢固、有資產支撐的貸款。

We're taking private securities and we're putting a digital wrapper around them, which makes it easier to track and easier to transfer.

我們為私有證券加上數位化包裝，這樣追蹤及轉移上都會變得更容易。

There's only four assets you can own in the world.

全世界你能宣稱所有權的資產不過四種：

Stock, a bond, a currency or a commodity.

And we think every single one of them's gonna get digitized. Tokenize the world.

我們認為這四項最終都會走向數位化，把世界代碼化。

A UK company recently tokenized this Andy Warhol.

一家英國公司最近代碼化了這安迪·沃荷的畫作。

Now, 100 people own 31.5% of this $5.6 million painting.

現在這幅價值 560 萬美元的畫作的 31.5% 由 100 人持有。

And when it rises in value, the tokens will as well.

當畫作有所增值，代碼價值也會跟著水漲船高。

So, is the same thing happening with New York City real estate?

Literally, 25, 30 million people can own a piece of this at a dollar a pop.

說真的，2500 萬或 3000 萬人都可用一美金一單位的價格擁有一部份房產 。

Many hurdles remain before this becomes a democratizing force for the masses.

在普及大眾以前仍有許多道門檻必須跨越。

Not least of which is the fact that these tokens are only available to accredited investors, keeping the barrier of entry high. Open only to the rich.

更不用說事實上這些代碼僅提供給合格投資者，進場門檻頗高，只開放給有錢人。

But all of this is very new, and hasn't yet fully impacted the system.

但這一切都只是起步階段，尚未全面撼動房產市場的運作。

Blockchain innovations like this one, clearly has the potential to disrupt the way we do business, and even the way we define the very things that we own.

像這樣的區塊鏈創新十分有可能會扭轉做生意的方式，甚至是我們對所有物的定義。

You know, if there's another downturn, and banks say, "Oh, we have a hard time lending now." Okay, well, I don't need you, because I can tokenize my loan that I wanna use to buy that condo there.

萬一景氣又惡化，銀行可能會說現在放款有困難，但沒關係，我也不需要你，因為我可以把借貸代碼化，再買下那房公寓。

And that's what I'm gonna do. So now we don't need banks anymore. That is what's crazy.

這就是我的目標，我們再也不需要銀行了。真是不可思議。

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用代碼投資房地產？！區塊鏈進攻曼哈頓房產市場 (Blockchain Takes Manhattan)

significant

eliminate

strategy

determine