EXCLUSIVE: Beeline's New Tokenized Equity Model Offers Homeowners Debt-Free Liquidity

Benzinga

Digital mortgage provider Beeline Holdings, Inc. (NASDAQ:BLNE) (Beeline) announced Monday that it completed its initial round of blockchain-recorded BeelineEquity transactions.  This achievement, facilitated by its subsidiary Beeline Loans, Inc., establishes it as the first U.S. platform offering tokenized home equity access at scale.

Transcript

00:00All right. I am here with special guest, Nick Louisa. Nick, how you doing? CEO of Beeline

00:11Holding, CEO and co-founder. Excuse me. Hey, don't tip me on my title, please. I don't like

00:16that. Come on. You earned that, and it is good to make sure that you get paid forward on all of

00:22that. Nick, good morning. Happy Monday. How you doing here today? I'm doing great, man. I love

00:26the conversation about interest rate cuts. I think they're going to happen, and it's great for

00:31our industry. I was just going to say, as the CEO and co-founder of a small cap stock, you have got

00:37to be excited about interest rate cuts. Just kind of staying on that, do you see more of that coming

00:43in 2026? You know, the industry sort of like conversation was to survive to 2025. If you

00:51survive the 2025, 2026 is going to be the year. And everyone in the industry was saying that back

00:57in 2022. And it looks like that's going to come true, because I think everyone is optimistic and

01:03bullish about more rate cuts, affordability getting a bit better, and then supply and demand on the

01:08housing market, especially for first-time homebuyers, becoming a little more realistic in the

01:12expectations and getting to the market. Yeah, indeed. And that was first-time homebuyers. We're

01:17definitely waiting to see what kind of impact that has. I suspect there's going to be multiple

01:21tailwinds from that. Okay, really good stuff. Really quickly, for those that might have missed

01:26our last interview, I know you and I spoke not long ago, but for those that might have missed

01:30our last interview, can you tell us just a little bit about Beeline? Yeah, Beeline is a digital

01:35mortgage lender really designed to accommodate the next generation or the millennials of the Gen Z.

01:40We built our brand. We built our platform for people that grew up with these phones when they had

01:44them in their pockets when they're six, seven, eight, nine years old, right? And so our platform

01:48speaks to them. It allows them to get certainty on a mortgage within seven or eight minutes, 90%

01:54certainty. And oh, by the way, unlike other mortgage lenders, if we can't qualify you for a conventional

02:00mortgage, our AI will direct you to a non-qualified mortgage, which is more in line with many of the

02:05gig economy and gig workers in today's world. So if you go to a large bank or any very large lender,

02:12it's game over if you can't get approved for a conventional mortgage, whereas our AI will direct

02:19you to a wider variety of loans. So we're different. We're diversified, a diversified platform,

02:24and we've got more options than most of the larger lenders do.

02:27Okay. Awesome. Just as kind of an aside, when I was applying for my first mortgage years ago,

02:32I couldn't get one from one of the traditional huger lenders. I did have to go

02:36to a smaller lender. So I actually have experience with that. Listen, you just had some amazing news

02:42this morning. So really good timing here with this interview. Beeline launches the nation's first

02:48blockchain-powered home equity platform and begins scaling it nationwide. Can you tell us,

02:54what does this announcement mean? Well, it means that we're now going to accommodate not only the

02:59millennials, but the baby boomers who are having trouble getting liquidity and living longer. Look,

03:05Mick Jagger's 82 years old. Keith Richards is 82 years old. They don't look like they're slowing down.

03:10And so just think about people that are outliving their retirement. Our product allows them to

03:15create liquidity or get liquidity by selling a fraction of their home to create cash. We then

03:22take that deed that we record and we mint it with our partner who mints tokens, sell those tokens,

03:29and creates liquidity by providing cash for these transactions that are not tied to P&I. There's no

03:36debt payments. They just basically sit on title until the property is sold, whenever that is,

03:43which creates liquidity and no tied to debt on a going forward basis. So we're very excited. We

03:51closed five transactions last week. We're going to close about another 25 over the next,

03:55call it 45 days. And then we're taking orders or taking applications right now for 2026, because

04:02there's great demand for this product. We need to make sure we get this product right, because there's

04:07not a lot of people out there doing these products. And the script isn't completely written from a

04:14regulatory standpoint. And you do have other sort of like concerns on the title side. So we're getting

04:19it right because we're not looking to grow, you know, 100 transactions, 50 transactions. We're looking

04:24to disrupt the industry heading into 2026. And how will this disrupt the industry? Speaking of

04:30industry disruption, how do you plan on doing that? Well, listen, we're going to drive consumers who

04:35need this product in the top 20% zip codes to start with. There's what there's, I think there's $10

04:42trillion of available equity in those, in those zip codes, primarily baby boomers who are living longer,

04:50need liquidity, and they can't get a cash out refi. They can't get a HELOC. And so, you know,

04:56that's who we're speaking to with this particular product. Why is it disruptive? Well, it's disruptive

05:00because those people are having a tough time getting liquidity, and this product provides them

05:05liquidity. Okay. Now, how has your view changed since the last time that we spoke? Has anything kind

05:11of changed in this segment? I wouldn't say anything has changed, but you know, it's a constant evolution

05:18here because this is breaking edge or bleeding edge stuff here. Like I said, there's not a lot of people

05:22doing these products right now. A lot of people are talking about it and have been for a long time.

05:27And initially, our product or our partner's product was going to be a stable coin. The Genius Act has

05:33changed that, right? Because a stable coin has to be tied to a dollar. In this particular case,

05:37we're tied to the public record on a one-to-one basis. So every time a deed is recorded, a token

05:44is minted. So nothing has necessarily changed. The plan is solid. The plan is the same. I just think

05:51there's more information coming out and that there's an evolution in terms of how the process will work

05:57and how the transactions will be closed, recorded, and funded. Okay. I got a great question here from

06:04one of our viewers. Will you take the whole home or can you sell part of the home so that children can inherit

06:09the rest? So that is an unbelievable question. And thank you for bringing that up because I forgot to mention

06:15that. One of the beauty parts, the beautiful things about this particular product is it's a fractional sale of

06:20equity. So the investor has no rights to the property at all. The only right they have is to be paid back when the

06:28property is sold. So you as a consumer or homeowner can sell up to 49%. That's as high as we will go,

06:37up to 49% of the property. And the home is retained by the heirs. And so once that transaction or that

06:46property is sold or there's a transfer of ownership is when this actually is paid back. So it beats a

06:52reverse mortgage all day, every day. It's much less expensive and it's better for the heirs.

06:57I was going to say that actually sounds like it's better for the heirs than a reverse mortgage. You

07:01took the words right out of my mouth. Mama bear, there you go. I will tell my neighbor's children.

07:05Okay, great. I'm so glad we did this here. Look, what else do you have in the pipeline that you can talk

07:11about? Well, that's a great question. Look, you know, I think the biggest thing is, is that the

07:17the stars are lining up for a company like V-Line. Here we are with a really cool product that's

07:21addressing a need. And we've been building software with our foot on the gas pedal in a really tough

07:26market for the past three and a half years. And now those tailwinds are turned into headwinds. I'm

07:30sorry, those headwinds are turned into tailwinds. And we're going to have two really good products

07:34addressing two really good demographics. And look, one would have been great, but two,

07:40you know, in an emerging market puts us in a really good spot to grow revenue very quickly.

07:45And our company is transformed or is transforming from software development, you know, we've done a

07:50billion dollars in mortgages so far, but all that's going to really increase very quickly in a more

07:56favorable market. So that's really what we're more concerned about right now is scaling, creating,

08:01making sure we can close transactions faster than our competition and being competitive at the end of

08:08the day. Okay, do you see just offhand, do you see any roadblocks between where you want to get to

08:14between where you are now and where you want to get? Yeah, I think the roadblocks, you always have

08:18roadblocks when you're building your company. There's, you know, anyone that says there's not

08:21barriers, there's always barriers to deal with. The barriers are smaller, they're easier to get over.

08:26And I don't really see any major barriers at this point. I see green fields and green pastures

08:32and the ability to really grow very quickly is what I see. Now, could that change? Yes, of course it could.

08:38But as of right now, it looks really good. Optimism is high in the industry and optimism is certainly

08:43very high at Beeline. Okay, that's really great to hear. Is there anything else that you would like

08:48to share with investors that I didn't cover or we didn't ask you here from the viewers? Yeah. Well,

08:53last time you asked me this question, I just want to reiterate it. Remember, I have $16 million of

08:57my own money in the company. Our product team, which is based in Australia, who are awesome,

09:02they're all invested in the company with hard dollars. Our accounting team is invested in hard

09:07dollars. We sit side by side in the trenches, the shareholder trenches with our shareholders.

09:12Um, and so I just want everyone to know we have skin in the game, just like everyone else.

09:18Okay. Well, it's a pretty good day here today. Beeline up 11% here in the pre-market. So,

09:24um, should be a little bit better in those trenches here today. Um, Nick, really appreciate it. Uh,

09:30look forward to all this stuff. This type of stuff is exciting. I can't thank you for coming on in a day

09:34where you release this news. Really appreciate it. Look forward to following up with you shortly.

09:38Thank you for having me. All right. That is Nick Louisa, CEO and founder of Beeline. Really good

09:44stuff here today, uh, from Nick. And as mentioned here, Beeline indeed. Uh, let me go ahead and share

09:50my screen here, folks. Uh, here's, so here's a, just quick look at the chart here on Beeline. This

09:56is actually a pretty good chart. This looks like it's coming up off the bottom and technically speaking,

10:01looks pretty good above that 200 and now the 20, uh, sitting here, 362 in the pre-market again,

10:06up about 8% now. So, uh, ticker B L N E Nick Louisa, CEO and co-founder. Really, really awesome stuff.

Category

Transcript

Be the first to comment

Recommended