Production-like demoAtlas BankPrime Residential I

Investor Marketplace ?

A public but controlled storefront. Offerings appear only after validator triage, admin publication and the required liquidity or issuance rules are confirmed.

Published Tokenized Value

R$ 184.7M

19 pools and 9 standalone assets.

Average LMO Coverage

116%

Bank-provided liquidity reserve.

Reference Value Updates

Daily

Also recalculated on material events.

Secondary Market

Not MVP

Exit is redemption subject to LMO.

Available Offerings

OfferingStructureBase AssetRiskUnit ValueInvestor AccessCTA
Prime Residential I
Atlas Bank · 98 contracts
PoolReal estate financingMediumR$ 45.37Retail + institutional
CRI Single Asset 2026-A
Atlas Bank · 250,000 tokens predefined
Standalone assetSingle real estate credit instrumentMediumR$ 100.00Retail + institutional
Home Equity Senior
Norte Bank · 144 contracts
PoolHome equityLowR$ 101.12Retail eligible
Institutional CR 04
Orion Bank · restricted offer
Standalone assetCredit receivable instrumentVery highR$ 78.04Institutional only

Offering Snapshot

Prime Residential I is a pooled offering. CRI Single Asset 2026-A is a standalone tokenized asset with predefined supply, unit value and issuance rules to be defined by the bank.

Validator

Approved Valida S.A. checked documents, liquidity and token methodology.

Investor Gate

Required Wallet + registration + KYC + investor profile.

Standalone Asset Rule

New Supply and unit value can be defined at issuance without requiring a pool.

Risk Notice

Indicative projection only. No guaranteed yield or speculative pricing.

Wallet, KYC and Investor Profile

The corrected investor flow: browse first, then connect crypto wallet, complete registration, pass KYC, define investor profile and only then invest in eligible offerings.

1. Public browsingNo account required.
2. WalletMetaMask, Ledger or compatible wallet.
3. RegistrationIdentity, address, tax ID and terms.
4. KYCPEP, sanctions, identity and fraud.
5. Investor profileRisk capacity, limits and audience.
6. InvestmentEligible offerings only.

Wallet

Not connected

Required before any order.

KYC

Pending

Blocks investment until approved.

Investor Profile

Undefined

Controls risk classes and limits.

Eligible Offerings

0

Updated after suitability.

Investor Registration

Eligibility Result

Wallet
Signature challenge
Proves control of the address before purchase.
Pending
KYC
Identity verification
Required for all first purchases.
Pending
Profile
Suitability
Allows retail access to high risk only when rules match.
Pending

Investor Portfolio

Personal dashboard with purchases, dates, values, indicative daily/monthly/yearly performance, risk exposure and redemption requests.

Total Invested

R$ 92,400

Daily

+0.03%

Monthly

+0.91%

Yearly

+11.8%

High Risk Exposure

18%
DateOfferingStructureOperationTokensValueStatus
2026-05-13Prime Residential IPoolPrimary purchase1,102.94R$ 50,000Registered
2026-05-16Prime Residential IPoolRedemption request-210.00R$ 9,527LMO queue
2026-05-18CRI Single Asset 2026-AStandalone assetPrimary purchase424.00R$ 42,400Registered

Bank Operations Dashboard

Bank control center for contracts, standalone assets, pools, liquidity, users, treasury movements and validator pending items.

Tokenized Portfolio

R$ 84.2M

8 pools and 3 standalone assets.

Liquidity Calls

2

One critical LMO gap.

Sick Contracts

3

Replacement candidates found.

Validator Pending

7

Documents and opinions.

Operational Queue

LMO
Recompose Prime Residential I
Post-withdrawal gap of R$ 169.3k.
CTR
CTR-1005 marked sick
REP-2001 recommended as substitute.
DOC
Payment history divergence
Validator requested full evidence.

Portfolio Quality

Contracts and standalone instruments are screened by payment history, collateral, LTV, concentration, documentation completeness and offering policy fit.

Tokenized Asset Factory ?

Bank workspace to create tokenized offerings. The structure can be a pool of contracts or a standalone tokenized asset. Publication remains blocked until validator triage and admin governance are complete.

Offering Type

Asset

Standalone tokenized asset selected.

Total Issuance

R$ 25M

Predefined quantity x unit value.

Unit Value

R$ 100

Set by issuance rules.

Rule Gaps

3

Pending business definitions.

Standalone Asset Setup

FieldExampleStatus
Asset identifierCRI-2026-ADefined
Token supply250,000 unitsDefined
Value per assetR$ 100.00Defined
Offer rulesPricing, redemption, eligibility, disclosureTo be written

Pool Setup Still Available

If the bank chooses a pooled structure, it can still assemble contracts, simulate portfolio risk, define LMO, enable replacement and calculate NAV-based reference value.

New rule: pool is optional. Platform data model should support an umbrella object called Offering, with structure = Pool or Standalone Asset.
ChecklistOwnerStatusImpact
Asset instrument and ownership evidenceBank OpsCompleteRequired for validator
Issuance rulesProduct / LegalPendingBlocks publication
Supply and unit value definitionTreasuryDefinedRequired for investor display
Liquidity or redemption policyTreasuryUnder reviewMust be disclosed
Token reference methodologyRisk EngineUnder reviewMust be disclosed

Liquidity Desk ?

Bank treasury console for pooled-offering reserves, withdrawal queue, LMO stress, settlement decisions and token reconciliation. Standalone assets follow their own offering rules.

Current Reserve

R$ 285k

LMO Required

R$ 454k

Gap

R$ 169k

Pending Withdrawals

R$ 222k

After Contribution

169%

Withdrawal Queue

RequestInvestorValueWindowDecision
WD-09140x72A...91FR$ 180,000D+3Wait for contribution
WD-09150x19D...A44R$ 42,000D+3Executable

Stress Scenario

If all withdrawals execute before bank contribution, the pooled offering breaks LMO. The system can queue, partially execute, request bank contribution or pause new purchases.

Recommended action: bank contributes R$ 152.7k before the D+3 redemption window.

Sick Contract Replacement Queue

Controlled replacement of underperforming or document-problem contracts for pooled offerings. Standalone assets may use a separate amendment, substitution or event process defined in their own rules.

1. DetectCTR-1005 moved to watchlist.
2. SuggestREP-2001 selected by equivalence rules.
3. Bank ApprovalManager and risk sign-off.
4. Validator CheckDocuments and collateral.
5. RecalculateToken, risk and NAV.
6. DiscloseMaterial event if needed.

Sick Contract

CTR-1005

Payment history divergence and watchlist status.

Replacement Candidate

REP-2001

Equivalent maturity, collateral and expected cash flow.

Token Impact

+0.04%

Indicative after replacement approval.

If no replacement candidate exists for a pool, the platform automatically notifies the bank to replenish or recompose the pool with new eligible contracts. For standalone assets, the action depends on the written asset rules.

Validator Desk

Insurer or independent auditor workspace to check bank eligibility, asset or contract evidence, liquidity/redemption policy, replacement or amendment rules and token methodology before publication.

Offerings in Triage

5

Average SLA

D+2

Critical Pending

3

Banks Cleared

7
OfferingStructureBankOpen ChecksBlockerAction
Prime Residential IPoolAtlas BankLiquidity, payment historyYes
CRI Single Asset 2026-AStandalone assetAtlas BankIssuance rules, redemption policyYes
Home Equity SeniorPoolNorte BankNoneNo
Institutional CR 04Standalone assetOrion BankLegal opinionConditional

Document Review Room

Validator review screen with extracted fields, hash evidence, comments, exceptions and publication gate decision for either pooled or standalone offerings.

Evidence Preview

Offering Rules PDF Preview

Simulated preview area for the uploaded rules, extracted fields and version hash.

Validator Findings

Rules
Redemption policy not specified
For standalone assets, define liquidity, lockup, redemption or transfer restrictions.
Critical
KYB
Bank eligibility complete
Authority levels and partnership contract checked.
OK
Token
Methodology disclosed
Daily fundamental calculation, no speculative pricing.
OK

Central Admin Executive Dashboard

Board-level command center for platform performance, bank ranking, validator audit, risk events, publication status and management reporting.

Tokenized TVL

R$ 184.7M

+18.4% month.

Platform Revenue

R$ 1.92M

Setup and servicing.

Active Banks

9

Offerings Blocked

4

Critical Events

9

TVL Growth

Risk Distribution

42% low/medium, 38% high and 20% very high with profile restrictions or institutional-only rules.

BankOfferingsPoolsStandalone AssetsLMO / Rule CoverageValidator ExceptionsStatus
Atlas Bank15123118%3Healthy
Orion Bank752103%6Watch
Norte Bank871142%1Healthy

User Access Control

Permission model for Central Admin, Bank and Validator. Separates data viewing, reports, operational actions and sensitive transactions.

Read-only

Dashboards, allowed documents and history.

No transaction

Reports

Export management, offering and audit reports.

Scoped

Operations

Create pools, standalone assets, submit documents and issue opinions.

Audit trail

Sensitive Transactions

Manual fund transfer, LMO adjustment and exceptional release.

MFA + dual approval
UserActorRoleScopePermissionsStatus
Ana GovernanceCentral AdminSuper AdminGlobalApprove publication, manual fundsActive
Eduarda TreasuryBankTreasuryAtlas Bank offeringsLMO contribution, standalone asset rule review, settlement reportsActive
Helena AuditValidatorLead AuditorAssigned triagesOpinion, publication blockActive
Users who initiate manual fund transactions cannot approve their own operation. All sensitive actions require MFA and ledger registration.

Actor Reports and Open Search

Reports for Admin, Bank and Validator with filters by operation type, date, contract or standalone asset, plus open search limited to each actor scope.

Items Found

42

Sensitive Events

9

Unique Contracts

18

Export

Ready
DateActorOperationReferenceOfferingStructureSummary
2026-05-16BankLiquidityPOOL-LMOPrime Residential IPoolBank treasury requested LMO recomposition of R$ 152,700.
2026-05-15ValidatorOpinionASSET-2026-ACRI Single Asset 2026-AStandalone assetValidator requested written redemption and investor disclosure rules.
2026-05-15ValidatorOpinionCTR-1005Prime Residential IPoolValidator registered an exception in payment history evidence.
2026-05-14AdminPublicationPOOL-001Prime Residential IPoolPublication blocked until final validator opinion and liquidity confirmation.

Risk and Token Reference Engine

Parameters governing offering structure, risk classification, investor eligibility, material event blockers and daily token reference value.

Generic Token Reference Formula

For pools: P(t) = NAV(t) / Tokens(t), where NAV is calculated from outstanding principal, accrued interest, expected losses, prepayments, liquidity reserve, fees and validated material events. For standalone assets: P(t) follows the asset issuance rules, predefined supply, unit value and validated economic events. In both cases, reference value is based on fundamentals and written rules, not speculative buy/sell pressure.

Pool Structure

Multiple contracts form one offering. NAV, LMO, replacement and portfolio risk drive the daily reference value.

Standalone Asset Structure

One tokenized asset or instrument is offered with predefined quantity, value per asset and rule set. The detailed rules will be written by the bank and validated before publication.

Risk ClassDriversRetail AccessControls
LowLow delinquency, strong collateral, low concentration.Allowed if offering rules allow.Standard KYC and suitability.
MediumBalanced portfolio and controlled LMO.Allowed after suitability.Risk disclosure.
HighHigher expected delinquency or concentration.Allowed only with profile match.Limits and reinforced acceptance.
Very highSpecial structure, stress or material concentration.May be institutional-only.Enhanced approval and restrictions.

Operational Ledger

Immutable event trail connecting contract, token, order, liquidity, withdrawal, replacement, validator opinion and material events.

TimeEventOriginValueHash / IDStatus
18:00Daily token recalculationrisk-engineR$ 45.37PX-8841Completed
16:04Withdrawal request WD-0914investor walletR$ 180,000WD-0914LMO queue
15:31Publication blockvalidator-VAL-221Active
11:22Primary purchase signedwalletR$ 10,0000x72A...91FConfirmed