ConstructKoin (CTK), a Real Estate Financing (ReFi) protocol, has unveiled a major roadmap update focused on integrating ReFi with real-world asset (RWA) lending, positioning itself as a central player in the Web3 financing transformation. The protocol aims to re-engineer property development and asset-backed financing using blockchain technology, creating an ecosystem where developers access transparent funding and financial participants benefit from efficient, data-driven lending infrastructure.
The next phase involves merging ReFi and RWA lending to enable broader on-chain financing use cases, including commercial property development loans, infrastructure project financing, and renewable energy funding. This expansion into both regulated and unregulated asset-backed lending could open new financing categories, serving private developers and institutional lenders alike.
To support this, ConstructKoin is developing smart contract–based loan management systems for automated verification and payments, institutional compliance gateways for KYC/AML standards, and cross-chain interoperability layers for scalability and global adoption. The protocol's emphasis on technology and compliance ensures adaptability and security within traditional finance frameworks.
Funding for the expansion comes from a structured presale divided into 10 phases, starting at $0.10 and increasing to $1, with a target of raising $100 million. Capital will be allocated toward protocol development, licensing, and partnerships with real estate and financial entities. Analysts describe CTK as a bridge protocol connecting ReFi and RWA, highlighting its potential to address capital flow inefficiencies in the real-world economy and establish a next-generation financing layer for Web3.
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