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
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
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
);
}
}Enterprise-Grade Security
Built with institutional-grade security standards and comprehensive audits from leading blockchain security firms.
Multi-Audited
Comprehensive security reviews by top-tier audit firms
Regulatory Compliant
Full compliance with securities and lending regulations
Risk Managed
Advanced risk analytics and automated circuit breakers
Battle Tested
Extensive testnet validation and gradual mainnet rollout
Audited & Secured By
Ready to Transform
Mortgage Markets?
Join the future of housing finance. Start originating, investing, or building on our decentralized mortgage infrastructure today.