Documentation
FinanceFarm Product Documentation
Structured access to non-bankable real-world assets through transparent, technology-supported strategies.
What is FinanceFarm?
A technology-supported platform for structured investments in non-bankable real-world assets
FinanceFarm turns non-bankable assets into a simple, predictable and transparent product. We consistently buy below the asset's real-world value, represent each asset in our app as an NFT and child-NFT, and sell via auction houses, private and leasing clients, as well as an in-app auction. This creates fast turnover cycles and clear margins.
“Our security logic is easy to understand. Every issuance starts with a minimum safety margin of 61% compared to the most recently realised sales price. All incoming payments are confirmed on the blockchain. Distributions are only made once the money has actually been received and is actively claimed in the app. Every deal has its own cash account: inflows and outflows are kept strictly separate from the rest of the company and can be tracked seamlessly in the app.”
Core Principles
61%
Safety Margin
Minimum safety buffer on every acquisition vs. most recent reliable transaction price
100%
Blockchain
All critical process steps executed via smart contracts on EVM-compatible blockchain
Full
Transparency
Complete visibility of every deal — live status, documents, payment progress, maturities
Strategies Overview
All strategies share a consistently conservative purchase approach with a safety margin retained at acquisition
D-6 Strategy
Standard approach, actively promoted
Repurchase Premium
20%
D-9 Strategy
Selective, with extended time window
Repurchase Premium
25%
D-3 Strategy
Tailor-made, selectively structured
Repurchase Premium
10%
Buy Back Option
Short-term structure, predictable return
Repurchase Premium
6%
D-6 Strategy
Standard approach, actively promoted — Core Product
What D-6 Is
D-6 is FinanceFarm's reference strategy, targeting an average holding period of around six months. It represents the standard case in the model logic and is given particular prominence in marketing. FinanceFarm acquires non-bankable assets deliberately below their realistically determined fair value — with a minimum safety margin of 61% versus the most recent reliable transaction price. These assets are tokenized via NFT and child-NFT structures and offered to co-buyers through the app. After approximately six months, the asset is sold and returns are distributed on-chain.
How It Works
1
Conservative Acquisition
FinanceFarm acquires the asset at a minimum 61% safety margin versus the most recently realised market price.
2
Tokenization
The asset is represented digitally via NFT and child-NFT structures, based on smart contracts on a blockchain infrastructure.
3
Co-Buyer Participation
NFT co-buyers (asset-backed token buyers) participate in the asset via the app.
4
Holding Period
The asset is professionally marketed for approximately 6 months via auction houses, private clients, leasing clients and in-app auction.
5
Exit and Payout
Once sold and confirmed on-chain, buyers trigger their return claim directly in the app. The smart contract automatically allocates funds to their wallet.
Repurchase Premium and Returns
“When an asset is sold to an asset-backed buyer, a fixed repurchase premium is contractually defined:”
Repurchase Premium
20%
of original sale price
FinanceFarm Retains
3%
15% of the premium
Net Buyer Bonus
+17%
85% of premium — paid to buyer's wallet
Who D-6 Is For
- Buyers who want regular rotation cycles with a predictable timeframe
- Those building long-term reinvestment strategies on a recurring basis
- Users who prefer a clearly structured entry product with high rotation frequency
D-9 Strategy
Selective, with extended time window — for assets with longer marketing periods
What D-9 Is
D-9 follows the same logic as D-6 but with a target holding period of around nine months. It is used primarily for assets where an extended marketing window is economically prudent or where an additional absolute margin can be expected. The longer time horizon gives more room to optimise the exit price while maintaining the same disciplined acquisition approach.
How It Works
- Same conservative acquisition discipline — minimum 61% safety margin
- Same tokenization process via NFT and child-NFT structures on blockchain
- Same transparent on-chain tracking — every step timestamped and immutable
- The only difference is time — D-9 gives more room to optimise the exit price
Repurchase Premium and Returns
Repurchase Premium
25%
of original sale price
FinanceFarm Retains
3.75%
15% of the premium
Net Buyer Bonus
+21.25%
85% of premium — paid to buyer's wallet
Who D-9 Is For
- Buyers comfortable with a slightly longer horizon in exchange for higher returns
- Portfolios balancing short and mid-term rotations across D-6 and D-9
- Users targeting higher absolute returns on select assets
D-3 Strategy
Tailor-made, selectively structured — for industrial and corporate clients
What D-3 Is
D-3 is designed as a tailor-made short-term solution with a planned holding period of around three months. It is not promoted as a mass-market product, but is structured selectively and in response to specific requests from industrial and corporate clients with particular liquidity needs. D-3 can generate additional liquidity peaks and revenue streams and deepens FinanceFarm's integration into the ecosystem of non-bankable assets.
Key Characteristics
Target Holding Period
~3 months
Positioning
Tailor-made, selective
Repurchase Premium
10%
Net Buyer Bonus
+8.5%
Repurchase Premium Split
“Based on an example of CHF 100,000 sale price:”
Total Premium (10%)
CHF 10,000
FinanceFarm (15%)
CHF 1,500
Buyer (85%)
CHF 8,500
Typical Use Cases
- Industrial clients with short-term liquidity requirements
- Corporate partners requiring fast asset monetisation
- Special situations requiring rapid execution
- Custom structured deals for qualified partners with specific requests
Buy Back Option
Short-term structure — maximum 4 months
What the Buy Back Option Is
The Buy Back Option is a four-month structure that makes use of the existing rotation rhythm, opens up an additional source of income and at the same time keeps the risk profile manageable. The term is limited to a maximum of four months. Buyers receive a predictable return of 6% for the period.
Return for Buyers
Predictable Return
6%
for the 4-month period
Key Features
- Predictable return of 6% for the four-month period
- No pro-rata scaling or tiering based on time
- Capital flows routed through predefined escrow and wallet structures on blockchain
- Distributions only made once sale payment is confirmed on-chain
- Buyer triggers their return claim directly in the app; smart contract allocates funds automatically
Who the Buy Back Option Is For
- Buyers who want short-term capital deployment with a predictable return
- Users seeking diversification alongside D-6 and D-9 rotations
- Those who prefer lower exposure to market timing
For Buyers
How FinanceFarm protects your capital and delivers transparent returns
Conservative Acquisition
Every asset must meet a minimum 61% safety margin versus its most recent reliable transaction price before FinanceFarm acquires it.
Full Transparency
All payments confirmed on-chain. Every deal has its own segregated cash account. Buyers see live status, documents, payment progress and maturities in the app.
Controlled Liquidity
Capital is not locked randomly. Rotation strategies D-6, D-9 and the Buy Back Option define clear exit timelines from the outset.
How Your Capital Flows
- All capital flows through predefined escrow and wallet structures mapped in smart contracts
- Funds are only released after legal and financial completion of the purchase transaction
- Distributions happen only once the sale proceeds are received and confirmed on-chain
- Every deal has a segregated cash account — inflows and outflows strictly separated from the rest of the company
- Subscriptions are made exclusively through the app, processed in compliance with KYC/AML requirements
KYC and Compliance
If a buyer reaches or exceeds USD 1,000 in daily NFT investments, a KYC/AML process is automatically initiated before any further investments are enabled.
This ensures regulatory compliance and buyer protection throughout the platform.
How Returns Are Paid
“Once an asset is sold and the payment is confirmed in an audit-proof manner on-chain:”
1
You trigger your payout claim directly in the app
2
The smart contract in place automatically allocates the corresponding amount to your wallet
3
Subscription, settlement and distribution are technologically consistent, audit-proof and transparent
Repurchase Premium Summary
Net bonus paid to buyers' wallets at the repurchase event (85% of the premium)
| Strategy | Repurchase Premium | FinanceFarm (15%) | Net Buyer Bonus (85%) |
|---|---|---|---|
| D-3 | 10% | 1.50% | 8.50% |
| D-6 | 20% | 3.00% | 17.00% |
| D-9 | 25% | 3.75% | 21.25% |
*Examples are for illustrative purposes only; the contractually agreed percentages are decisive.
What FinanceFarm Offers Sellers
A formally lean and time-efficient sales process that quickly leads to the disbursement of liquidity
Fast liquidity for non-bankable assets
A fully digital process from onboarding to payout
Transparent, evidence-based valuation and exit logic
Access to a structured buyer base via NFT co-participation
The Seller Journey
Two clearly separated phases ensure full compliance before buyers are enabled and funds are released
A
Buyer Enablement
The seller onboards digitally — submitting asset details, uploading provenance documents, completing KYC and signing declarations. After compliance review, physical inspection and contract signing, the listing goes live and the investment window opens.
B
Seller Payout
Once funding reaches 100% and proceeds are confirmed received, a strict three-approval process is triggered — Compliance Maker plus both Co-CEOs independently approve before payout is executed.
Buyer enablement only after contract and inspection
Listing goes live only once Compliance Approved + Purchase Contract Signed + Object Inspection Confirmed
Evidence-Based Valuation
FinanceFarm uses a multi-stage, strictly evidence-based process. Provenance, condition, transaction history and relevant market segments are systematically recorded. Market information is analysed and transferred into a consistent valuation framework.
Auction results
Dealer quotes
Comparable transactions
Liquidity indicators
Volatility models
Seasonality analysis
All combined into a conservative fair value — then discounted further by the 61% safety margin versus the most recent robust transaction price.
“This ensures:”
- Buyers enter with a clearly defined buffer
- Sellers get realistic, executable prices
- The platform stays sustainable long-term