# Welcome to 0xequity 0xequity is a blockchain-based Mobile and Web application that empowers its users to invest in Real World Assets and DeFi and collect its yield, all on-chain. These assets include Residential Properties, Commercial Properties, Business, Gold, Bonds, Stocks and other DeFi strategies. 0xequity also offers the best-yielding DeFi strategies for users to lend, borrow, and earn on their crypto assets. 0xequity is striving to revolutionize the way personal finances work. Our novel state-of-the art technology enables us to provide an unparalleled investing experience that is safe, transparent, legally compliant, easier to onboard and fully customizable to every user’s individual investment threshold. # Trust & Security At 0xequity, we prioritize safeguarding your investment and fostering a secure environment for your assets. Our focus is wealth building over long term that requires a certain level of Trust to operate. Here's how we achieve that: * **Experienced Partners:** We collaborate with established and reputable asset managers to ensure the safe acquisition and custody of your investment holdings. * **Transparency Through Oversight:** We partner with independent auditors to conduct regular financial audits, information security audits, and smart contract audits. These comprehensive reviews provide complete transparency and assurance regarding the safety of your assets. * **Regulatory Compliance:** We prioritize a conservative legal approach, adhering to regulations and working closely with legal counsel to ensure a fully compliant investment experience. We believe a strong foundation in regulatory compliance is essential for building a sustainable and trustworthy platform that delivers long-term value for our investors. * **Secure Technology:** We invest in robust security measures to safeguard your assets and data. This includes employing industry-leading practices for information security and smart contract development. # Property Validation All properties listed on 0xequity are legitimate, and backed by legal documentation. Future listings will also have verified legal documents, ensuring no chance of scams. To view the property details go to the "Listings" section.

Users can view basic property details here, and for more in-depth information, they can click the "View Listing" button to access comprehensive details about a specific property.

In the "View Listing" section, users can access a comprehensive overview of all the details related to a specific property. Additionally, the analytics section allows users to visualize key metrics like ROI, total price, and expected income through visually appealing charts. By scrolling down, users will find a section containing all the legal documents attached to the property. Here, they can verify that 0xequity purchased the property from a different party and also view its location.

The analytics section also provides information on recent property activities, including total yield paid, shares sold, and the number of shareholders. This data serves as a valuable resource for users to understand the current status of a property when making investment decisions.

0xequity ensures secure investments and a smooth user experience. With the tokenization of assets, users can invest in US-based properties from anywhere in the world, making it easy to access high-quality investment opportunities no matter where they are located. # RewardX Points based rewards program to build and grow the 0xequity community

0xequity's [RewardX](https://rewardx.0xequity.com/) program is a points based incentive program that allows for us to build and grow our community, whilst being passionate about our mission: > ***democratise investment in fractional real world assets powered by DeFi*** 0xequity will run the RewardX program for the community on an ongoing basis, split into multiple campaigns. Earn points to redeem towards future incentivization provisioned on the 0xequity platform. ### Campaigns :scroll: **Details of the campaigns are as follows:** {% tabs %} {% tab title="1. Social Connect" %} The **Social Connect** campaign allows us a chance to build, grow and get to the know the community. We'll start off simple engagements to ease us in to getting to know each other :clap: * Follow us on twitter (10 points) * Like & share a recommended tweet (5 points) * Join Telegram (10 points) * Subscribe on Instagram (10 points) * Like & share an insta post (5 points) * Know our community (15 points) {% endtab %} {% tab title="2. Customer Connect" %} :loudspeaker: **Coming Soon** :loudspeaker: The *Customer Connect* will provide our early users a sneak peek into our assets, and an opportunity to buy a share of our tokenized properties whilst being amazingly incentivised. Look out for announcements on telegram and Twitter - get ready for some of the best returns on real estate deals :house: and passive income :money\_with\_wings: {% endtab %} {% endtabs %} :eyes: Keep an eye out for announcements on campaigns and opportunities to collect points over the coming weeks ### Referrals Community members will be able to use their referral link to refer other community members within their network. ### Rewards factors below0xequity has a meaningful allocation for our community ecosystem, whilst details of this are underway and will be made public in due course. RewardX points collected until then will be weighted and calculated based on the below factors. * join us early * complete as many engagements as possible * refer as many in your network * Community-to-customer engagement # 0xEquity Ecosystem The 0xequity Ecosystem: A Collaborative Force The 0xequity ecosystem thrives on the following participants, each playing a vital role in driving innovation and opportunity : **0xequity Protocol:** The primary smart contract of 0xequity that oversees all operations on the platform, including managing the liquidity pools and collecting fees. **0xequity DAO:** It has complete control over every aspect of the 0xequity Protocol. It serves as the governing body that makes decisions, determines fees, and represents the stakeholders in the ecosystem. **0xequity Liquidity Pools:** These smart contracts allow users to deposit their assets, either single-sided or double-sided, and earn yield. Some of these liquidity pools are exclusive to 0xequity and offer secure returns to investors without the risk of impermanent loss. **Assets:** At 0xequity, we offer fractional ownership of various assets, which are derivatives of their Real World Value. These assets include: * Residential Real Estate * Commercial Real Estate * AirBnB's * Real World Businesses * Gold * Stocks * Solar Farms * DeFi Yield Farming Strategies By expanding the range of assets available, 0xequity provides users with greater investment opportunities and diversification. # How Can I ? This section provides a comprehensive guide to the various operations available on the 0xequity platform. It offers detailed explanations of each operation to help users fully understand how to navigate the platform. By clearly outlining the procedures, the guide aims to facilitate a smoother investment experience and ensure users can efficiently carry out their investment activities with ease. * [Create An Account](/how-can-i/create-an-account) * [Verify My Account](/how-can-i/verify-my-account) * [Add Recovery Emails](/how-can-i/add-recovery-emails) * [Recover My Account In Case Of Loss](/how-can-i/recover-my-account-in-case-of-loss) * [Deposit Fund](/how-can-i/deposit-funds) * [Withdraw Funds](/how-can-i/withdraw-funds) * [Buy Property Tokens](/how-can-i/buy-property-tokens) * [Claim And Redeem Rent](/how-can-i/claim-and-redeem-rent) # Create An Account {% tabs %} {% tab title="Web App" %} 0xequity uses passkeys for account creation instead of traditional web3 wallets, making it easier for non-technical users to understand. We’ve included a dedicated section to explain our wallet creation solution. Learn more[ here](/innovations/xwallet-the-crypto-wallet-innovation). To create an account, navigate to the 0xequity platform's homepage and click the "Launch App" button.

* **Launch App:** Launch 0xequity app. Users will be directed to a page where they can perform various operations, but first, they need to create an account. To do so, click the "Connect" button.

1. **Connect Wallet:** Connect to your preferred wallet to interact with 0xequity. Users will have the option to create a wallet using either their Apple ID or Google account. In this tutorial, we'll be using a Google account.\ \ After selecting the Google account, users will be prompted to register their account by first choosing the wallet type

In this guide we are choosing Passkeys, Upon clicking on the "Register "a request popup will appear, allowing users to choose their preferred device for setting up the Passkey. In this tutorial, we'll be using the connected Infinix Note. 1. **Register:** Initiate the process of setting up passkeys 2. **Windows Hello or external security key:** Use any external security key to create an account 3. **Infinix NOTE:** Connected device with platform (User can connect any device) 4. **Use a different phone, tablet, or security key:** Scan the QR code to use any other device A notification will be sent to the connected device, allowing users to choose their passkey method, which can be a pattern, PIN, or even fingerprint. And that's it! By following this straightforward process, users can create their accounts and access the various operations available on the 0xequity platform.

1. **Start KYC Verification:** Initiate verification. 2. **Not Verified:** Shows that the specific account address is not verified In the next tutorial, we will walk through the process of verifying identity on the 0xequity platform. {% endtab %} {% tab title="Mobile Browser" %} 0xequity makes it easier to use passkeys in browser for account creation instead of traditional web3 wallets. We’ve included a dedicated section to explain our wallet creation solution. Learn more[ here](/innovations/xwallet-the-crypto-wallet-innovation). To create an account, navigate to the 0xequity platform's homepage and click the "Launch App" button.

Users will be directed to a page where they can perform various operations, but first, they need to create an account. To do so, click the "Connect" button.

Users will have the option to create a wallet using either their Apple ID or Google account. In this tutorial, we'll be using a Google account.

After selecting the Google account, you will be prompted to register your account by first choosing the wallet type.\

0xequity currently supports two types of wallets. 1. **Passkey**: We recommend this option for its advantages. Want to learn more? Click [here](/innovations/xwallet-the-crypto-wallet-innovation). 2. **Web3 Wallet**: This includes traditional Web3 wallets like MetaMask, Trust Wallet, and others. 3. **Passkeys + Web3 Wallet:** We will be introducing another option in the future that will be the combination of both Passkey and Web3 Wallet. In this guide we are choosing Passkeys, Upon choosing this option a request popup will appear, allowing users to choose their preferred device for setting up the passkey. In this tutorial, I'll be using the connected Infinix Note. A notification will be sent to the connected device, allowing users to choose their passkey method, which can be a pattern, PIN, or even fingerprint. And that's it! By following this straightforward process, users can create their accounts and access the various operations available on the 0xequity platform.

In the next tutorial, we will walk through the process of verifying identity on the 0xequity platform. {% endtab %} {% endtabs %} # Verify My Account After creating your account, you'll need to verify your identity on the 0xequity platform. To begin the verification process, click the "Start KYC Verification" button.

Upon clicking on the button a modal will be open asking for basic information.

1. **Given Name:** Enter your given name 2. **Last Name:** Enter your last name Once you've provided your information click on the "Start Verification" button, you'll be directed to a new screen.

1. **Prepare a valid document:** Prepare a valid document, such as an ID card or passport, for scanning. 2. **Use a smartphone:** Use your smartphone to scan the QR code mentioned in order to continue After scanning the QR code with a smartphone, the user will be prompted to upload an image of their valid document. Once the document's authenticity is verified, the user will see their account marked as verified.

# Add Another Passkey 0xequity lets users add multiple passkeys which help them access their account from multiple devices.\ \ In this guide, we'll go through the steps of adding a passkey.\ \ Navigate to the profile section where users can view a passkey option.

Upon clicking on it, a page will open containing information related to the available passkeys,

* **Add Passkey:** Use to add another passkey. Once the user clicks on the "Add Passkey" button a modal will open containing the pairing code and the instruction to register a new device.

1. **Step 1:** Enter the pairing code from the below user wants to register. On a new device click "Connect" and then click "Having a problem?", Then select the option "Register new device" 2. **Step 2:** Simply scan the QR code from your new device. In this guide, we will follow Step 1.\ \ Now open 0xequity on a new app, click "Connect" and then click "Having Problems?"

then select the "Register new device" option.

Users are now asked to provide the required information.

1. **Email:** Users can enter their email 2. **Pairing Code:** Paste the pairing code we just received from the previous steps After providing the required information click on the "Create Passkey" button a prompt will open up asking their permission to create a new passkey on their specified device where the user will be able to create their new Passkey. That's it, by following these simple methods users can create a new passkey. # Add Recovery Emails 0xequity offers social recovery, allowing users to designate 3 "recovery emails" from trusted individuals like friends or family. If a user's wallet is lost, they can start the recovery process, which requires at least 2 out of the 3 recovery emails to approve the account recovery for it to succeed.\ \ In this guide, we'll see how we can add recovery emails. \ First, navigate to the wallet section where we have to choose the profile section.

In the profile section, you'll find the social recovery option. Click on it to add your recovery emails.

Here you can add 3 emails of trusted persons.

After adding emails you have click on the "Update" button to process the transaction through passkeys. It will send the notification to your device which you have to sign to complete the transaction

Once the user signs the transaction the recovery email will be added

# Recover My Account in Case of Loss This guide provides a step-by-step walkthrough for recovering an account using recovery emails. To make the process clearer, we've divided it into three sections: 1. Initiating the recovery process 2. Voting for account recovery 3. Checking recovery status # Initiating the recovery process Go to the "Connect" section and look for the "Having Problems?" link below the "Sign In With Google" option.

Once you click on it you can see the option to "Start Recovery".

Tap on it to navigate to the start recovery page. To begin the recovery process, enter an email, which the platform will first verify.

Once verified, you can then provide the recovery emails you have previously set up.

After you provide the correct recovery emails, the platform will confirm them, allowing you to create a new passkey. To start this process, click the "Create Passkey" button to initiate a new transaction.

When you click the "Create Passkey" button, a notification will be sent to the connected device prompting you to create a new passkey.

Once a new passkey is created, you must send recovery proof to each of their designated recovery emails for confirmation. To complete the recovery process, at least 2 of the recovery emails must approve the request.

Click on the share button to individually sent out the recovery proof to each email.

Copy the URL from here and send it to a specific friend who will vote for your account. # Voting for account recovery Share the URL with each of your recovery email contacts separately. Your recovery contacts will need to open the link and enter your email address on the page.

Once your contacts enter your email and click "Validate," they'll be taken to a voting page.

To start the transaction, your contacts will need to click the "Vote" button. After clicking, they'll see a summary of the transaction.

To confirm the transaction, your contacts will need to click the "Confirm" button and use their passkey to sign the transaction.

The vote will be cast once the transaction is finalized on the Arbitrum mainnet.

. # Checking recovery status Once at least two of your recovery contacts have voted, you can check your recovery status on the 0xequity platform Go to the wallet section and re-enter your email and recovery email addresses, just like you did when you started the recovery process. This is done for security purposes. After you enter all the necessary information, the 0xequity platform will verify it and display your recovery status.

Click on the "Check Status" button to view your recovery status. This page provides details about the remaining time for your recovery and the exact time when your wallet recovery will be completed

After the cooldown period ends, you can recover your wallet. # Deposit Funds 0xequity streamlines the process of depositing funds into your account with easy-to-follow steps. {% tabs %} {% tab title="Web App" %} There are two methods to add funds on the 0xequity platform: 1. Use the 'Receive' button located in the wallet section. 2. Utilizing the 'Add Funds' button available on the Buy/Sell page. In this guide, we will explore both options, starting with the first one. \ Go to your account tab, where you'll find a 'Receive' button.

When you click the receive button, a modal will pop up, allowing the user to scan the QR code and copy the address.

Users can send funds from any wallet; in this guide, we're using Binance to scan the QR code and complete the transaction. Be sure to select 'Arbitrum' as the transaction network. After the transaction is processed from Binance, the funds will appear in your account, and you can view the details in the "Recent Transactions" timeline below.

Now, let's see the 2nd option.\ \ Click on the 'Add fund' button available on the 'Buy/Sell' page

A model will open containing two methods that are available. 1\) Crypto 2\) Bank Transfer

This cryptocurrency option functions similarly to what we just covered with the 'Receive' button. On the other hand, bank transfers allow users to purchase USDC directly using fiat currency.

1. **Fiat Currency:** Choose the fiat currency supported by the 0xequity platform to purchase cryptocurrency. 2. **Cryptocurrency:** In exchange for fiat currency user will receive cryptocurrency 0xequity supports several fiat currencies that users can choose from when buying cryptocurrency.

In the next guide, we'll go through the process of withdrawing the amount from our 0xequity account {% endtab %} {% tab title="Mobile Browser" %} There are two methods to add funds on the 0xequity platform: 1. Use the 'Receive' button located in the wallet section. 2. Utilize the 'Add Funds' button on the Buy/Sell page. In this guide, we will explore both options, starting with the first one.\ \ Go to the account tab, where users can find a 'Receive' button.

Upon clicking the receive button, users will routed to a page allowing them to scan the QR code and copy the address.

Now, let's see the 2nd option.\ \ Click on the 'Add fund' button available on the 'Buy/Sell' page

A model will open containing two available methods. 1\) Crypto 2\) Bank Transfer

This cryptocurrency option functions similarly to what we just covered with the 'Receive' button. On the other hand, bank transfers allow users to purchase USDC directly using fiat currency. Choose the bank transfer to open the page for buying USDC.

1. **Fiat Currency:** Choose the fiat currency supported by the 0xequity platform to purchase cryptocurrency. 2. **Cryptocurrency:** In exchange for fiat currency user will receive cryptocurrency. 0xequity supports several fiat currencies that users can choose from when buying cryptocurrency.

In the next guide, we'll go through the process of withdrawing the amount from our 0xequity account {% endtab %} {% endtabs %} # Withdraw Funds Withdrawing funds from 0xequity is just as simple as depositing them. Let's walk through the step-by-step process to see how it works. {% tabs %} {% tab title="Web App" %} Go to the account tab, where users can find a 'Send' button.

After you click the 'Send' button, a pop-up window will appear where you can choose the currency you want to withdraw. In our example, we'll be withdrawing USDC.

After selecting the currency, you'll be asked to enter the address of the account where you want to send the funds and the amount of USDC you wish to withdraw.

1. **Address:** The address user who wants to send cryptocurrency 2. **Amount:** The amount the user wants to send to a specific address 3. **Available Balance:** Available balance in the sender's wallet. When you click 'Withdraw,' a modal will appear summarizing your transaction. Review the details carefully, then click 'Confirm' to proceed with the withdrawal.

1. **Network**: The blockchain network from which the user is sending cryptocurrency. 2. Recipient: The address of recipient. 3. Amount : The amount of USDC user is sending. After confirming the transaction a pop-up will appear asking us to sign the transaction using our passkeys. If this is your first time using the 0xequity platform, you'll need to sign twice: once to create your account in the smart contract and again to confirm the withdrawal transaction.

After signing the transaction, your withdrawal will be complete. Within a few seconds, user should see the funds in your designated wallet.

Upon clicking on "View Transaction" button user can view the details of their transaction on Arbiscan. {% endtab %} {% tab title="Mobile Browser" %} Go to the account tab, where users can find a 'Send' button.

Upon clicking the receive button, users will routed to a page allowing them to choose the currency they want to withdraw. In our example, we'll be withdrawing USDC.

After selecting the currency, you'll be asked to enter the address of the account where you want to send the funds and the amount of USDC you wish to withdraw.

1. **Network**: The blockchain network from which the user is sending cryptocurrency. 2. Recipient: The address of recipient. 3. Amount : The amount of USDC user is sending. After confirming the transaction 0xequity will ask us to sign the transaction using our passkeys. If this is your first time using the 0xequity platform, you'll need to sign twice: once to create your account in the smart contract and again to confirm the withdrawal transaction. After signing the transaction, your withdrawal will be complete. Within a few seconds, you should see the funds in your designated wallet.

{% endtab %} {% endtabs %} # Buy Property Tokens 0xequity offers a seamless way for users to purchase property tokens effortlessly. In this tutorial, you'll be guided step-by-step through the process of buying a property token on the 0xequity platform, highlighting how simple it is without diving too deep into technical details. Navigate to the main page of the 0xequity platform, where you'll find the option to purchase the "WXRWA 1" property token. Currently, only one property is available, but more will be added in the future, offering users a range of investment choices.

1. **WXRWA1:** This refers to a physical asset for which users can purchase tokens. 2. **Shares Available:** The available number of tokens available to buy of each specific property. 3. **Cryptocurrency:** The cryptocurrency users are paying to buy property tokens. 4. **Cryptocurrency Balance:** The available cryptocurrency balance in a user's wallet. In this tutorial, we will be purchasing 4 "WXRWA1" tokens. You'll be able to view all investment details, such as ROI, monthly earnings, and yearly earnings, based on the number of tokens purchased — in our case, 4.

0xequity offers multiple options for users to purchase property tokens. At present, the platform supports: * USDC * USDT * WBTC * WETH * ETH In this tutorial, we are using USDC to buy property tokens. On this page, users can see important information related to their investment including: 1. **ROI/Year:** The annual return percentage users will get on their investment. 2. **Total Price:** The total price of the property users are investing. 3. **Rent Per Month:** The rent per month for the property. 4. **Earn Per Year:** The amount the user will earn each month depending on their investment 5. **Earn Per Year:** The exact value users will earn depends upon their investment value. Next, click the green "Buy WXRWA1" button to start the purchasing transaction. Once clicked, a modal will appear on the screen displaying the transaction overview, including the transaction network and the tokens being sent and received.

After clicking the "Confirm" button, a request popup will appear, prompting the transaction process. We'll use the passkey previously saved when creating the account. In this case, I'll select the Infinix Note option, and a notification will be sent to the mobile device.

Since this is the first transaction on the platform, two permissions will be required from the phone. The first is for creating an account on the backend smart contract, and the second is for purchasing the property. The account creation is a one-time transaction, so it won’t need to be repeated in the future. Once both transactions are completed, the property tokens will be added to the wallet. You can view the transaction details by clicking the "view transaction" option.

# Claim And Redeem Rent Once users purchase property tokens, they can claim and redeem rent in real-time, with earnings accumulating every second. In this tutorial, we will guide users through the steps to claim and redeem rent. Start by selecting the "Claim/Redeem Rent" option on the 0xequity App's main page. Users can see the available rent to claim here

When the user clicks on the "Claim" button to initiate a transaction, a request popup will appear, prompting the transaction process.

After granting permission for the transaction, a modal will appear displaying the transaction overview. It provides details about the network, the property from which rent is being claimed, and the tokens being received.

1. Network: The blockchain network from which the user is sending cryptocurrency. 2. **Claim Rent**: Displays the property for which the user is claiming rent. 3. **Receiving Value**: Indicates the amount the user will receive.
Click on the "Confirm" button to complete the transaction.\ \ Now you can see the transaction is completed.

After you claim your rent, you'll receive a yield NFT. This NFT shows how much rent you've earned from a particular property. However, you might have to wait for up to two weeks before you can exchange this NFT for an actual USDC. Once the waiting period is over, you can redeem the NFT. In this demo, the NFT is named "Yield #12." To get the USDC from this NFT, you'll need to click the "redeem" button.

1. **NFT**: Represents the NFT the user receives after claiming rent. 2. **Amount**: Denotes the value the user will receive upon redeeming the NFT.
When the user clicks on the "Redeem" button to initiate a transaction, a request popup will appear, prompting the transaction process.

Once permission is granted for the transaction, a modal will pop up showing an overview of the transaction. This overview includes information about the network, the property from which the rent is being claimed, and the tokens being received.

1. Network: The blockchain network from which the user is sending cryptocurrency. 2. **Redeem Rent**: Displays the property NFT for which the user is redeeming rent. 3. **Receiving Value**: Indicates the amount the user will receive. Click on the "Confirm" button to complete the transaction.\ \ Now you can see the transaction is completed but can see the transaction details from the "View Transaction" option.

We have now successfully redeemed our rent and received USD, which is reflected in the balance of our wallet. # 0xequity Tokens 0xequity platform has 2 type of tokens: 1\. 0xequity Fractions XRWA/WXRWA (Wrapped XRWA) 2\. 0xequity DAO Governance tokens XEQ/veXEQ (Coming soon) # what is XRWA/WXRWA? 0xequity **XRWA** is the token ticker for 0xequity Fractions. ***WXRWA or wrapped XRWA is simply a version of XRWA on-chain and represents its underlying real world asset on the blockchain. WXRWA is an ERC20 standard token which is liquid and transferable. It can be bought and sold at 0xequity marketplace or secondary marketplaces.*** # How XRWA works? XRWA is the primary investment function of 0xequity platform. Once a user has paid for their investment, their digital wallet will be credited with WXRWA\*\* (\*\*a suffix with designated code of the selected property). For example, a single family real-estate is listed on 0xequity marketplace with a code 1, the user making an investment in the same will get WXRWA1 in their digital wallet as a representation of their investment stake. (XRWA is the legally binding unit of its corresponding real world asset and due to regulatory compliance and ease of transfer, the user will always hold WXRWA in their wallets for smooth transaction experience) #### Legal **Proof of Equity** #### XRWA represents your equity or the portion of total shares that you own in a certain RWA (real world asset). Technically, you are holding digital shares of an LLC company which is the sole owner of your investment (property, shops, etc.). **How XRWA are created and priced?** Each 0xequity asset is held by a Delaware LLC. For example, a single family real-estate in Detroit is bought for 100,000 USD, a Delaware LLC will be created to buy this property and will be its sole owner. Each XRWA represent the 10% ownership in the company 1 XRWA = 10% of LLC Shareholding Hence, 1 XRWA for this property will be priced 10,000 USD. The same ownership structure shall be followed for each 0xequity asset. XRWA are not ordinary Ethereum tokens, they are programmed and each token set is unique (similar to an NFT). They contain legal information about the asset, its location, its owner, date of transfer, payment information, etc. For example, XRWA for asset code 011 will be different from XRWA for property 013. Currently, XRWA (legal equity) can only be claimed by redeeming your WXRWA tokens # How WXRWA works? #### Collecting Yield Holding WXRWA in your digital wallet will make you eligible to collect the yields generated by its underlying assets which is rental income in case of properties. #### Transfer of Ownership WXRWA tokens will only be transferred to KYC'ed addresses. **Redeeming your WXRWA** In case of properties, if the user wanted to claim their share in the asset in the country where the asset is registered they can redeem their WXRWA for XRWA. Currently this feature is not available but to claim 1 XRWA you need to have minimum 10% of total supply of WXRWA. While redeeming your XRWA your WXRWA will be locked in your digital wallet. Also you need to have USA ITIN (Individual Taxpayer Identification Number) or USA LLC or C-corp with EIN. #### Trading (with **WXRWA**) Users are allowed to trade WXRWA freely on the secondary market. **Collateral (DeFi)** In future, **WXRWA** could be used as collateral at 0xequity marketplace for lending/borrowing USDT/USDC loans. Due to its low volatility, these loans hardly ever liquidate and will be a valuable addition to the ecosystem. # Innovations In the Web3 space, one of the primary challenges in user onboarding is the often subpar user experience. To address this, 0xequity is committed to pioneering innovative solutions that significantly enhance the onboarding process. By focusing on seamless and intuitive interactions, 0xequity aims to redefine how users engage with decentralized platforms. In this section, we will explore the various cutting-edge functionalities and improvements that 0xequity has implemented to streamline user experience, ensuring it is as smooth and effortless as possible. Through these innovations, 0xequity continues to push the boundaries of what is possible in Web3, making the space more accessible and user-friendly for everyone. # xWallet: The Crypto Wallet Innovation Say goodbye to the hassle of managing complicated private keys! The 0xequity xWallet is here to transform your experience with its innovative passkey technology. **Introducing Passkeys: The Key to Security and Convenience**
Passkeys are the next generation of login credentials, offering significant advantages over traditional methods They represent the evolution of login credentials, offering a significant leap forward in security and user experience. Here's why: 1. **Unbreakable Security:** * **Phishing-Proof:** Unlike passwords, passkeys cannot be phished. Public-key cryptography ensures your private key never leaves your device, rendering it immune to scams that steal login details through fake websites. * **Uncompromising Strength:** Cryptographically generated and unique, passkeys eliminate the risk associated with weak passwords. 2. **Effortless User Experience:** * **Lightning-Fast Logins:** Say goodbye to the struggle of remembering complex passwords! Passkeys leverage your fingerprint, face scan, or PIN for a seamless login experience. * **Freedom from Password Managers:** With unique passkeys for each service, the need to manage multiple passwords in a password manager might become a thing of the past. ## **xWallet Advantage:** The 0xequity xWallet seamlessly integrates passkey technology, providing a superior experience: * **Enhanced Security:** Enjoy the peace of mind that comes with unparalleled security measures * **Effortless Management:** Manage your digital assets easily, eliminating the burden of private key storage. * **Streamlined Experience:** Experience the convenience of secure and swift logins. ## Seamless Wallet Recovery: #### What happens if you ever lose your phone or cannot access your wallet? Don't worry 0xequity have you covered here as well. We’ve developed a seamless wallet recovery system that ensures you can regain access to your wallet even if you lose it. **How Does It Work?** When creating your account, you can add recovery emails belonging to trusted friends or family members. If you ever lose access to your web3 or passkey wallet, you can create a new wallet and start the recovery process. Your trusted contacts will be able to support your recovery. Once they verify the request, your new web3 or passkey wallet will take over the ownership of your account. The best part is, that everything stays the same—you just use your new wallet to access all your digital assets on the 0xequity platform that were associated with your old web3 or passkey wallet. In simple terms, ownership transfers from your old web3 or passkey wallet to your new one, so be sure to add a trusted person as your recovery contact. # xID: A New Identity Before explaining 0xequity xID, it is necessary to understand the concept of SoulBound Tokens (SBT) proposed by Vitalik Buterin. ## **What are SoulBound Tokens (SBT) ?** Soulbound tokens are digital tokens that cannot be transferred and signify social identity within a decentralized society. The concept of SBTs being issued by "Souls", which represent blockchain accounts or wallets. These "Souls" will manage or distribute these tokens (SBT's). These tokens might represent different features of a person’s identity, including their employment history, health records, or educational qualifications. For example, a “Credentials Soul” could issue SBTs for someone’s job history, while a “Medical Soul” could issue SBTs for their medical records. This system could enable individuals to create a verifiable digital Web3 reputation based on their previous actions and experiences. > You may read the detailed article by Vitalik Buterin here ## **What is xID ?** xID is a function of 0xequity Protocol. Each xWallet account (or any wallet integrated with protocol) is an xID which stores the account user's KYC (Know Your Customer) information. All KYC credentials are stored in the form of SBTs with "Soul" as xID here. 0xequity Protocol uses xID to whitelist users. Only the whitelisted users will be able to fully use the protocol. **Why all this effort?** 0xequity sorts and utilizes this data in its social engineering to provide an enhanced and personal investing experience. xID's could be sorted and grouped using their matching SBTs. 0xequity's RETs (Real Estate Tokens) could be programmed to be only held, bought and sold within a specific set of xID's. **Usecase?** An Organization could allot their employees a specific number of RETs in a specific location. Now, only the xID's with a credential SBT of that organization will be able to hold and trade that RET and collect its yield. Similarly, group of people of matching family credentials or interest could make group investment choices. e.g. buying and holding RETs of specific properties at specific time and selling them all at the time of their choice. The possibilities with xID's are endless !

A simple representation of how 0xequity xID framework identifies and sort groups for inclusive financial features

*(xID is a work in progress and has not been implemented yet, keep up with our social channels for an update regarding its integration)* # On-Chain Rent Calculation At 0xequity, token holders of a specific property receive monthly rent proportional to the number of tokens they own—the more tokens they own, the higher the rent they receive. The rent per month is being calculated on-chain using the formula provided below.
## Average Number of Days in a Month To accurately compute the average number of days in a month, accounting for leap years in the Gregorian calendar, follow these steps: ### Understanding Leap Years The Gregorian calendar has two types of years: * **Common years**: These have 365 days. * **Leap years**: These have 366 days, occurring every 4 years, except for years divisible by 100 but not divisible by 400. ### Calculating Average Days Per Year The Gregorian calendar system we use cycles every 400 years, which is 4800 months. In a cycle, there are 7 x 400 = 2800 months of 31 days, there are 4 x 400 = 1600 months of 30 days, there are 300 +3 = 303 months of 28 days, and there are 100 - 3 = 97 months of 29 days. Taking the weighted mean, the average number of days in a month is (2800 x 31 + 1600 x 30 + 303 x 28 + 97 x 29) / 4800 = 30.436875 days exactly. We rounded the days from 30.436875 days to 30.43684 days. So in 1 Month (30.43684 days) = 2629743 Seconds approximately Finally we calculate [**`rentPerSecond = rentAmount / 2629743`**](#user-content-fn-1)[^1] **Why On-Chain Rent Calculation** Calculating rent on-chain offers numerous advantages compared to off-chain methods. 1. 1.**Transparency:** On-chain calculations allow all transactions and computations to be publicly verified, building trust among investors. 2. 2.**Accuracy:** Automated smart contracts eliminate human error in rent calculations, ensuring accurate distribution of rental income. 3. 3.**Security:** Blockchain technology provides robust security, safeguarding the integrity of rent calculations against tampering or fraud. 4. 4.**Efficiency:** Smart contracts simplify the process, reducing administrative workload and enabling quicker, real-time rent distributions. 5. 5.**Immutable Records:** The blockchain’s unchangeable ledger guarantees that all calculations and transactions are permanently recorded, offering a dependable audit trail. [^1]: # FAQ # Tokenized Equity #### 1. **What is tokenized equity?** Tokenized equity refers to the creation and issuance of digital tokens that represent an equity stake in a company, asset, or organization. A tokenized equity helps users own a small share of ANY real-world asset. For example, if a business has 100 shares that represents its 100% equity. They could create 100 (1:1) or even 1000 tokens on a blockchain that will represent those 100 shares. So if X owns 500 of those tokens, it means they own 50% equity of that company. Similarly it works for properties, businesses etc. #### **2. What are the benefits of Tokenized Assets?** **Increased liquidity:** Tokenizing assets enables fractional ownership, which means that users can buy and sell smaller portions of an asset, making it easier to enter and exit investments. **Reduced costs:** Asset tokenization can reduce the costs associated with traditional asset trading, such as broker fees or transfer taxes. This can make investing more accessible and cost-effective for a wider range of users/investors. **Enhanced transparency:** Transactions on a blockchain are recorded immutably and transparently, providing greater visibility into asset ownership and transaction history. This increased transparency can improve trust and confidence in asset trading. **Improved security:** Blockchain technology offers enhanced security features, such as cryptographic authentication and tamper-proof records, which can reduce the risk of fraud or theft in asset trading. #### 3. Why does it require Blockchain technology? In order to harness the power of pooled funding, disbursement of collected yield, global customer engagement and to keep the system decentralized and transparent, we developed 0xequity using Blockchain technology. This not only helps us reduce the paper work and long procedures (in comparison to owning these assets in traditional way), but also saves hassle for our customers. Also; * Being on-chain makes everything and every process super transparent and auditable. All our financials will be visible on-chain for customers to assess. * Decentralization makes us approachable for literally anyone around the globe. Anyone with a valid KYC and a blockchain wallet, is able to use our platform and make an investment. #### **4. How does 0xEquity Work?** 0xEquity allow users to buy/sell fractional stake in real estate and other real-world assets (AirBnB's, Businesses, Solar technology, Gold, Stocks, Bonds etc) from our partners and earn rental income as well as capital gains, all on-chain. It also offers Lending/Borrowing and earning yield through its various Liquidity Pools. #### **5. Is it safe to work with 0xEquity?** 0xequity only works with verified and vetted partners for acquisition and management of real-world assets. Our smart contracts are all audited by industry-leading auditors. Hence, the system is designed with the highest security measures at its core. #### 6. How is it a better investment than keeping my money at the bank? With global uncertainties and strict government financial policies, keeping your money at the bank is not at all safe anymore, also the margins are getting thinner each day and in most jurisdictions the bank interest rates are less than 5% (after all the deductions). However, the key difference 0xequity offers is, you own something substantial as Real Estate which is earning you a passive income, as well as capital gains at the end of the term. For example, you bought 5000 USDT worth of 0xequity shares in X property that yields 9% annual rental income. At the end of the year you get 450 USDT passive income and you still own the property and its rights (rental income may actually go higher than that). At the end of designated term lets say, 1 year, the property is sold and you get your initial investment back. You will have 6350 USDT which is substantially higher and safer than what Banks could offer you in that 1 year. Also, 0xequity investments are flexible and your money is not locked for a term. # Assets #### 1. **Who holds the deed to 0xequity assets? Who owns these listed properties?** 0xequity partners with verified individuals and real estate dealers for enlisted properties. 0xequity legally do not own all the assets and is only licensed to sell limited equity of these assets. Assets purchased with 0xequity seed pool money will be legally owned by 0xEquity Delaware LLC and their 90%-95% of equity will be available for sale on the platform. #### **2. What happens if 0xEquity no longer exists?** Whatever happens to 0xequity, its JSC's (Joint Stock Company) assets and 0xequity XEFR tokens will remain independent. 0xequity XEFR tokens will continue to represent and prove ownership of the assets contained in the JSC and may be transferred in the market if desired, as long as applicable securities transfer rules are followed. Therefore, YOU remain the owner of the token (representing underlying asset). #### **3. Who manages the Properties?** 0xequity partners with licensed Real estate management firms in every region to manage properties on their behalf. #### **4. What happens if the property is idle and does not have a tenant?** You will only receive rental income when the property is on rent and rental income is collected. #### **5. What happens if the tenant does not pay rent** In case, the tenant is not paying the rent. The property management fee shall also not be charged to the investors and will be only applicable to the months when the property is on rent and rent is collected. If a tenant defaults on their rent, they will be removed from the property and replaced with a paying tenant. #### **6. Is the 0xequity Platform only for listing and selling residential properties?** No. We will be adding Commercial Real estate, Air BNB's, Businesses, Solar technology and US Stocks/Bonds in future. #### **7. Does the platform only have properties in the US?** 0xequity will expand its operations to every lucrative Real Estate market on the planet. Turkey and Middle east shall be added in near future. # Eligibility #### 1. Who can Invest, Redeem, and Trade XEFR? Ensuring responsible participation in the 0xequity ecosystem is a top priority. Here's a breakdown of eligibility for acquiring, redeeming, and trading XEFR tokens: **Restricted Locations:** To safeguard compliance and adhere to regulations, certain geographical limitations apply. Individuals or organizations (depending on the investor) residing in the following locations are ineligible: * The United States (including its territories and possessions) * Crimea, Cuba, Iran, North Korea, or Syria * Belarus, Burma, Burundi, Central African Republic, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Libya, Mali, Nicaragua, North Korea, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, and Zimbabwe. * Any country, territory, or region subject to international sanctions **Onboarding Requirements:** To invest in or redeem wXEFR through 0xequity, completing our onboarding process is mandatory. This process incorporates standard Know Your Customer (KYC/AML) checks to ensure transparency and prevent financial misconduct. **Additional Considerations:** Please be aware that additional restrictions may be implemented. We recommend staying updated with our platform's terms and conditions. **On-chain Liquidity:** XEFR liquidity will be available on the Arbitrum & BASE blockchains. Work is in progress to bridge it to other chains. # Onboarding & KYC 1. **What to expect during onboarding and KYC at 0xequity?** Here's a breakdown of what to expect during our onboarding and KYC (Know Your Customer) process: For individual investors, the process is very simple and streamlined. You'll need to provide: * Basic personal information * Valid ID verification (driver's license, passport, or national ID) * The wallet address associated with your wXEFR tokens * Completion of required legal agreements Our user-friendly UI guides you through each step. The system even auto-populates legal forms for your convenience. 2. **How long does it take for 0xequity to Review & Approve KYC?** Once you submit your onboarding materials, you'll receive an email notification upon completion of the review. You can also check the status anytime by logging into your 0xequity account. If your account shows successful submission and you haven't heard back after 2 weeks, reach out to our support team at 3. **Do KYC's get rejected and for what possible reasons?** Beyond verifying your eligibility based on our geographical restrictions, we also screen applicants against prominent sanction lists. Anyone flagged will be unable to complete onboarding. 0xequity reserves the right to accept/reject KYC's based on several factors due to legalities involved. 4. **I made a mistake during the KYC process. How do I go rectify?** Unfortunately, currently, due to security protocols, you cannot navigate back within the onboarding process. If you make a mistake, you'll need to restart. Feel free to contact us at , and our team will assist you in resetting your application. # Investing & Redeeming #### 1. **How do I invest with 0xEquity? What does the purchase procedure look like** * You must hold either USDT, USDC, ETH, BTC in your wallet to make an investment. * Go to "Swap page" and select the asset of your choice from available options. * After selecting enter the amount of WXRWA you wish to buy. The protocol shall display its corresponding price in USDT, USDC, etc. * Press “Buy” button and then confirm the transaction. * After your purchase, go to “Wallet ” and then and "Portfolio" on the left side panel and you will be able to see your investment shares and its rental earning in real time. * Rental earnings are calculated in USDC which may be redeemed in your wallet. #### **2. How do i receive my** WXRWA **token**s? You will receive tokens in your Digital Wallet registered / whitelisted with 0xequity i.e. xWallet). #### **3. How do I receive my rental incomes?** Once you have made an investment (actively on rent), you will start receiving its rental income in USDC calculated at every second. You can claim your rent in USDC any time. This will be in the form of a lock-NFT. This lock-NFT represents your rental USDC and will be redeemable after a certain period (set differently for each asset). Once it becomes redeemable, you may redeem its underlying USDC. These lock-NFT will also be traceable and transferable in future.

#### **4. What fee is applied by 0xEquity? What it is used for ?** 0xEquity charges 1% fee only on primary market purchase transactions. There is no fee for buying and selling on secondary market. #### **5. How to sell** WXRWA **token?** You can sell WXRWA tokens in multiple ways. 1. You can sell / transfer your tokens directly to you friend or family or anybody but they first need to do KYC on our platform in order to receive the token. 2. You can instant sell WXRWA token on platform by paying an Instant Sell commission which is up to 3.5% to the pool of liquidity providers (Instant Sell liquidity pool coming soon). 3. You can sell WXRWA token on 0xEquity marketplace with no fee or commission by creating a limit order (0xEquity marketplace coming soon). #### **5. How much do I need to invest?** You may invest for as low as 10$. #### **6. What is Expected income?** 0xequity marketplace will offers investment options from different parts of the world e.g. UAE, Turkey, USA, etc. Hence, the rental income varies in every region. Currently we are offering properties from USA and the yield income is between 9-10% p.a. #### **7. How does the Property token price evolve?** All the properties listed at 0xequity marketplace are evaluated quarterly in a year and the prices are updated accordingly. For example, if you purchased 10 WXRWA01 for 50 USD each, and, in next year evaluation, its price is set at 60 USD each, the same will be reflected in your digital wallet holding WXRWA01. # Liquidity Pools #### 1. What is Secondary market Pool? Secondary market pool is used as the liquidity provider if somebody want to sell their property instantly and when a new Buyer on the marketplace wants to buy a property token, 0xEquity Marketplace automatically take the property from Secondary market pool and sell it to the user and transfer the purchase amount to the Secondary market charging no fee as the platform for this operation. #### 2. What if the Price of Property drop if the property own by Secondary market Pool? In case of loss to the liquidity pool. Protocol will distribute the loss to the all users. In case of profit in future transactions, the protocol automatically settle previous loss amount and then distribute the remaining profit to the liquidity providers. e.g If the user sold the property when the price of the Property token was 600 USD. Due to market situation the price of Property fell to 500 USD then Liquidity providers will get a distributed loss of 100 USD. If another property token held by Secondary market pool gets 200 USD as revenue. Then the protocol automatically distribute 200 USD revenue over the pool. #### 3. Does Secondary market pool have Lock Period? No there is no lock period but in order to receive the full reward amount you have to keep the liquidity for at least 14 days since your previous deposit. This is to protect the existing liquidity providers and stop getting an unfair portion of the revenue earned. #### 4. Does Secondary market pool legally own the property? The Secondary market pool will not legally own the property. It is only providing liquidity to the instant buyer/sellers. #### 5. How Secondary market pool liquidity provider will get the Reward? You may navigate to the Reward page to claim the Secondary market pool Reward. #### 6. How i can withdraw money from Secondary market pool? To withdraw money from Secondary market pool. You need to withdraw it from the Pool . #### 7. How much i can invest in Secondary market pool? There is no limit and you may invest as much as you want in Secondary market pool. #### 8. What is reward for providing the liquidity to Secondary market Pool? Secondary market pool liquidity providers will earn multiple rewards. 1. They will get 3.75% instant sell commission. 2. They also receive the Property rental and capital gain for the time the property is held in the pool.