1) Tenant converts one-time to instalments
The tenant pays weekly/monthly while investors fund the contract now. Example: a 12-month USDC 12,000 lease becomes USDC 1,070/month to SQMU-R holders for 12 months (premium reflects financing and fees).
Who benefits?
- Tenant: Budget-friendly installments.
- Investors: Receive periodic payments with a premium.
- Landlord: May still receive regular rent or a portion via structure.
2) Landlord converts instalments to a lump sum
Investors pay the landlord upfront (e.g., USDC 11,000 instead of 12 × 1,000). The investor group then receives the tenant’s future rent.
Who benefits?
- Landlord: Immediate liquidity and reduced collection risk.
- Investors: Acquire rights to the rent stream.
- Tenant: Continues paying as scheduled.
3a) Agent pays upfront & sub-lets short-term
Agent funds landlord upfront via investors, turns the unit into short-term serviced stays. Rent from sub-bookings flows to SQMU-R holders; agent takes a fee.
Who benefits?
- Landlord: Lump sum and hands-off operations.
- Investors: Participate in potentially higher short-term yields (with occupancy risk).
- Agent: Earns an operating fee.
3b) Agent bridges lump-sum landlord & tenant instalments
Agent uses tokenisation to pay landlord once; tenant pays monthly. Example: tenant pays USDC 1,070/month; USDC 1,050 distributed to investors, USDC 20 to agent.
Who benefits?
- Landlord: Upfront certainty.
- Tenant: Keeps instalment plan.
- Investors & Agent: Receive periodic income.