Decentralized
Mortgage
Markets
OriginateX connects global capital to U.S. mortgages through PassThru Protocol's Uniswap V4 hooks, creating liquid, transparent, and efficient mortgage markets.
Live Market Data
Real-time mortgage metrics
Choose Your Path
Whether you're looking to get a mortgage, invest in mortgage-backed securities, or provide institutional capital, we have the right solution for you.
The Housing Crisis
Rising rates have created a two-tier mortgage market, trapping existing homeowners and pricing out new buyers. Traditional mortgage markets lack competition and liquidity.
Our Solution
OriginateX and PassThru Protocol create the world's first decentralized mortgage marketplace, bringing global capital competition to drive down rates for borrowers.
Two-Protocol Architecture
OriginateX
Decentralized mortgage origination platform that tokenizes individual mortgages as NFTs, enabling transparent ownership and fractional investment.
PassThru Protocol
Uniswap V4 hooks that bundle mortgage NFTs into liquid MBS tokens, creating 24/7 tradeable markets with automated yield distribution.
Capital Flow Architecture
Mortgage Origination & Servicing
End-to-end mortgage lifecycle management with automated origination, real-time underwriting, and comprehensive servicing infrastructure built on decentralized protocols.
Smart Origination
Automated underwriting & instant approvals
Real-Time Underwriting
AI-powered credit assessment with instant loan decisions using on-chain credit scores and traditional bureau data
Automated Compliance
Built-in regulatory compliance for TRID, QM, ATR, and state-specific lending requirements
Dynamic Pricing Engine
Real-time rate optimization based on borrower profile, market conditions, and liquidity pool depth
Smart Contract Execution
Automated loan terms execution with immutable documentation and transparent fee structures
Intelligent Servicing
Automated payments & portfolio management
Automated Payment Processing
Smart contract-based payment collection with automatic distribution to MBS token holders and fee allocation
Escrow & Insurance Management
Automated property tax and insurance payments with real-time balance tracking and shortage prevention
Portfolio Analytics
Real-time loan performance tracking with predictive default modeling and early intervention triggers
Loss Mitigation
Automated workout solutions including payment modifications, forbearance, and liquidation management
Platform Performance Metrics
Average Approval Time
Fastest mortgage approvals in the industry
Processing Cost
Minimal overhead through automation
Default Rate
Superior risk assessment accuracy
Customer Satisfaction
Streamlined user experience
Enterprise Integration Capabilities
Seamless integration with existing mortgage infrastructure and third-party services
Credit Bureau APIs
- • Experian, Equifax, TransUnion
- • Real-time credit monitoring
- • Alternative data sources
- • FCRA compliant reporting
Banking & Payments
- • ACH/Wire integration
- • Bank account verification
- • Automated clearing house
- • Multi-currency support
Property & Valuation
- • Automated valuation models
- • Property tax records
- • Insurance verification
- • Title & escrow services
Benefits for Everyone
For Borrowers
- Lower rates through global competition
- Faster approval via automated underwriting
- Transparent pricing and terms
- 24/7 application processing
For Investors
- Direct access to mortgage yields
- Instant liquidity via tokenization
- Diversified risk exposure
- Automated yield distribution
For Institutions
- Global capital deployment
- Regulatory-compliant structure
- Risk-adjusted returns
- Operational efficiency
Powered by
Uniswap V4
PassThru Protocol leverages Uniswap V4's revolutionary hook architecture to create programmable mortgage markets with custom pricing logic and automated yield distribution.
Custom Hook Logic
DCF-based pricing bypasses standard AMM curves for mortgage-specific valuations
Dynamic Risk Management
Oracle-fed data automatically adjusts fees based on performance metrics
Automated Distribution
Monthly payments flow directly to liquidity providers via donate() function
// PassThru Hook Implementation
contract MBSHook is BaseHook {
function beforeSwapReturnDelta(
PoolKey calldata key,
IPoolManager.SwapParams calldata params,
bytes calldata data
) external override returns (bytes4, BeforeSwapDelta, uint24) {
// Custom DCF pricing logic
uint256 discountedValue = calculateDCF(
poolId,
oraclePrice,
riskMetrics
);
// Dynamic fee adjustment
uint24 dynamicFee = adjustFee(
defaultRate,
liquidityDepth
);
return (
BaseHook.beforeSwapReturnDelta.selector,
BeforeSwapDeltaLibrary.ZERO_DELTA,
dynamicFee
);
}
}Ready to Transform
Mortgage Markets?
Join the future of housing finance. Start originating, investing, or building on our decentralized mortgage infrastructure today.