Table of Contents
1. Overview
ComfHutt is a fractional real-estate investment ecosystem designed for retail investors seeking transparent, low-ticket access to high-quality properties. We combine SPV-backed legal ownership, fractional tokens, continuous AI-driven credibility scoring, and an integrated rental + resale marketplace into a unified, trust-centered investment infrastructure.
Key Pillars
2. Problem Space
For millions of middle-class and Gen-Z investors, real estate investment is blocked by three systemic issues:
High Ticket Sizes
Buying even the smallest property requires large capital and long lock-ins, making it inaccessible for most.
Opaque Processes
Title uncertainty, developer credibility issues, and hidden paperwork risks erode investor confidence.
No Real-Time Data
Investors remain blind to evolving locality dynamics, market shifts, or risk levels after purchase.
3. The ComfHutt Solution
1Legal Ownership via SPV
Each property is held under a dedicated Special Purpose Vehicle (SPV). Investors buy SPV shares, representing direct legal ownership. These shares are wrapped into digital tokens for fluid management, ensuring legal rights are always protected.
2Fractional Access
Investors can purchase micro-shares of premium real estate starting from ₹10,000, enabling diversification across multiple properties instead of concentration in one asset.
3Integrated Marketplace
A unified platform for primary purchases, secondary trading, and rental income distribution. This drives liquidity—a feature historically absent in traditional real estate.
4. AI Credibility Score Engine
Our proprietary scoring engine (0–100) analyzes properties across multiple dimensions to provide a dynamic health check.
| Dimension | What it Analyzes |
|---|---|
| Locality Signals | Demand trends, infrastructure growth, mobility access |
| Developer Reputation | Historical delivery, litigation patterns, completion reliability |
| Legal Health | Title clarity, documentation completeness, regulatory compliance |
| Valuation Metrics | Price-to-market benchmarks, comparable sales, rental-yield strength |
| Risk Inputs | Macroeconomic changes, sentiment shifts, regulatory alerts |
* Properties undergo scheduled rescoring. Significant events (e.g., new infrastructure) trigger instant alerts for investors.
5. Ownership & Legal Framework
The SPV Model
- Entity: Each property is owned by a unique Special Purpose Vehicle (Private Limited Company or LLP).
- Shareholding: Investors hold shares in this SPV, ensuring direct legal recourse.
- Token Mirroring: Tokens on the blockchain mirror these shares 1:1 for digital management.
Smart Contract Role
Audited smart contracts handle escrow, token minting, and the automatic distribution of rental yields and sales proceeds.
if (rental_income_received) {
distribute_to(token_holders);
}
6. Trust & Audit Controls
We eliminate information asymmetry through four layers of verification:
On-Chain Document Hashing
Legal summaries and audits are hashed on-chain to prove immutability and timestamp authenticity.
Independent Legal Opinions
External law firms provide validity checks on the SPV structure for every asset.
Smart Contract Audits
Public summary reports covering security vulnerabilities, logic flaws, and attack surface analysis.
Score Transparency
We publish breakdown charts and explainers for credibility scores to prevent "black box" distrust.
7. Business Model
- Sourcing FeeAdded to property acquisition cost
- Platform FeeOn primary transactions and resales
- Management FeeRecurring fee for SPV operations
- Rental SpreadOperational margin on rental management
8. Roadmap
Phase 1: Foundation
SPV legal framework finalized. Smart contract architecture drafted. AI Credibility Score v1 deployed. Hero properties shortlisted.
Phase 2: Pilot
Launch 1–3 properties. Onboard rental partners. Publish third-party audits. Close first investor cohorts.
Phase 3: Scale
Expand to Tier 1 & 2 cities. Release mobile app. Introduce automated resale matching. Explore DeFi integrations.
9. Governance & Safety Nets
What happens if ComfHutt shuts down?
Investors maintain legal ownership regardless of platform status.
- The SPV remains active and legally valid.
- Investors retain their equity shares.
- Assets remain legally protected and independent of ComfHutt's corporate entity.
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This document is for informational purposes only and does not constitute financial advice.