OppZoneDeFi: Transforming Communities Through Blockchain
A revolutionary investment opportunity at the intersection of real estate, decentralized finance (DeFi), and nonprofit impact. Our mission: restore neighborhoods, create attainable paths to homeownership, and deliver meaningful ROI to investors and token holders.
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Our Vision & Mission
OppZoneDeFi aims to redefine how capital flows into underserved communities by aligning investor incentives with community development. We're building the largest decentralized real estate development and financing platform operating in America's Opportunity Zones, creating a model that can be scaled nationally.
Our dual-entity structure combines a for-profit corporation (OppZoneDeFi, Inc.) with a nonprofit 501(c)(3) arm (OppZoneDeFi Foundation), enabling flexibility in accessing both private capital and public funding.
Real estate acquisitions are primarily funded through our proprietary ERC-20 token ($HMZUSA), which accrues value through daily trading volume and a structured transactional tax. A 2.5% allocation of all token transaction taxes is dedicated to the purchase and rehabilitation of homes.
Strategic Impact & Web3 Disruption
Community Transformation
The purchase and rehabilitation of distressed homes in Opportunity Zones delivers a high-impact investment model with long-term community benefit. Investors can capitalize on government grants, HUD subsidies, and tax incentives while participating in a powerful grassroots solution to urban decay.
First-of-its-Kind DeFi + RWA Model
This project leverages token-based micro-economics to fund real estate at scale. Our ERC20 token creates a dual-revenue engine: transactional tax from global trading activity and real-world cash flows from housing sales and leases.
Financial Innovation
$HMZUSA offers built-in token utility, including weekly reflections to holders, airdropped USDC tied to real estate performance, and a robust swap-and-liquify mechanism to ensure liquidity and token price stability.
This model disrupts traditional financing by proving that blockchain can fund tangible, meaningful community impact while delivering long-term ROI. This is where crypto meets community, and speculation meets substance.
Social Impact & Nonprofit Synergy
OppZoneDeFi is designed not only to disrupt financial markets but to transform the physical and economic landscape of the communities we serve. At its core, this initiative is about community beautification, restoring dignity to distressed neighborhoods, and reigniting economic activity in cities that have long been overlooked by institutional capital.
Our model drives up aggregate property values, encourages responsible homeownership, and reduces crime associated with urban decay. As neighborhoods stabilize, they become magnets for small business growth, educational investment, and new commercial opportunities—paving the way for broader economic revitalization.
Market Opportunity
Housing affordability remains one of the greatest social and economic challenges of our time. Over 19 million renters and homeowners now spend more than 50% of their income on housing, a condition that defines housing insecurity and financial vulnerability.
Meanwhile, in America's Rust Belt and Southeast—regions rich with history and resilience—urban blight has taken root. Tens of thousands of distressed, vacant, or underutilized homes sit empty, deteriorating property values and public safety alike.
Opportunity Zone Advantage
Opportunity Zones, created under the 2017 Tax Cuts and Jobs Act, offer significant tax incentives for private capital invested into economically distressed communities. OppZoneDeFi targets OZ tracts with an abundance of low-cost housing stock—many valued below $100,000 and eligible for municipal support programs, federal grants, and tax credits.
These homes can be purchased at discount, rehabilitated using DeFi-driven liquidity, and offered for sale via a seller-financed model, removing traditional banking barriers.
OppZoneDeFi is uniquely positioned to address a historic confluence of unmet needs in the U.S. housing market through its tokenized, decentralized finance model in six high-potential states: Michigan, Ohio, Indiana, Kentucky, Tennessee, and Georgia.
Real Estate Meets DeFi
Token Trading
$HMZUSA token transactions generate a 4.75% tax that funds real estate acquisition, investor rewards, and operational costs
Property Acquisition
Distressed properties in Opportunity Zones are purchased and rehabilitated using token-generated funds
Community Impact
Renovated homes are sold with seller financing, creating affordable homeownership opportunities and stable communities
Investor Returns
Profits from sales and financing generate returns for investors and token holders through smart contract distributions
What separates OppZoneDeFi from other real estate ventures is its integration with Web3 and decentralized finance. The project uses the $HMZUSA token—an ERC-20 asset with embedded smart contracts that redirect transactional tax revenues into token reflections, real estate acquisition funds, and nonprofit housing initiatives.
Addressable Market
2.3M
Properties
Located within federally designated Opportunity Zones across the United States
250K
Target Properties
Valued below $100,000 in the targeted six-state corridor, offering high-volume, low-cost acquisition potential
11M
Potential Buyers
Renters in the targeted states, many qualifying for first-time homebuyer assistance or desiring alternative financing
1000s
Potential Partners
Nonprofits and municipalities seeking partners to help execute on local housing and anti-blight initiatives
OppZoneDeFi's total addressable market is vast, with few competitors leveraging a tokenized, community-driven approach with built-in reflections, seller financing, and nonprofit partnerships.
Real Estate Strategy
Acquisition Criteria
Distressed single-family homes priced between $50,000 and $150,000, within designated OZs in our six target states. Properties are screened based on proximity to employment centers, infrastructure accessibility, crime rate trends, and local development support.
Home Price Tiers
Tier 1: $50,000 purchase + $50,000 rehab → $150,000 sale
Tier 2: $75,000 purchase + $75,000 rehab → $200,000 sale
Tier 3: $100,000 purchase + $100,000 rehab → $250,000 sale
Seller Financing Model
OppZoneDeFi acts as both developer and lender. We assume 30% of all homes will be sold outright for cash. For the remaining 70%, we offer seller financing on 15-year land contracts with 2% down and 3% annual interest.
This standardized approach supports streamlined budgeting, ensures high-quality renovations, and maximizes resale or seller-financed value while preserving affordability.
Payment vs Rent Comparison
Our model results in monthly payments comparable to or lower than regional rent averages. The OppZoneDeFi model allows the opportunity for home ownership, wealth and equity creation, and appreciating real estate assets—often at roughly the same cost as renting in many Opportunity Zone-adjacent communities.
Acquisition Forecasts
OppZoneDeFi is designed to hand families the literal and figurative key to homeownership, transforming what has often been an unattainable dream into an achievable reality. By channeling a small, consistent portion of our token trading volume directly into real estate acquisitions, we create a self-sustaining pipeline of affordable homes.
242
Year 1
Homes acquired and renovated
523
Year 2
Homes acquired and renovated
833
Year 3
Homes acquired and renovated
1,597
3-Year Total
Total homes transformed
Tokenomics
OppZoneDeFi's native ERC-20 token, $HMZUSA, lies at the heart of the project's capital strategy—functioning as both a value transfer vehicle and a programmable fundraising tool. Its architecture enables a self-sustaining model that funds real estate acquisitions, rewards holders, and facilitates transparent capital flows without relying on traditional intermediaries.
  • Total Supply: 1,000,000,000 $HMZUSA tokens
  • Initial Circulating Supply: ~85% at launch (850,000,000 tokens)
  • Marketing Wallet Reserve: 100,000,000 tokens
  • Founder and Investor Reserve: 50,000,000 tokens
Token Tax Allocation (4.75%)
Real Estate Acquisition
2.50% - Funds direct purchases and rehab of distressed OZ properties
Liquidity & Rewards
0.75% - Ensures trading liquidity (0.25%), token holder reflections (0.25%), and LP funding participant payback (0.25%)
Operations & Treasury
1.00% - Supports project operations and PR (0.50%) and VaultedEX Treasury (0.50%)
Investor & Team
0.50% - Sent to early equity investors (0.25%) and performance-based incentives for team members (0.25%)
Every transaction involving $HMZUSA is subject to a total 4.75% tax, automatically redistributed through a secure smart contract. All tax allocations are automatically collected and dispersed using the Swap-and-Liquify smart contract function that converts collected $HMZUSA into USDC before distribution.
Token Utility & Incentives
Built-in Incentives
  • 0.25% Daily Reflections: All token holders receive a pro-rata share of reflections via USDC on a perpetual basis predicated upon trading volume
  • 10% Airdrop of Net Real Estate Profits: Token holders are entitled to periodic airdrops in USDC representing 10% of the net profits derived from real estate flips or financed note payments
Practical Applications
  • Real Estate Payment Gateway: $HMZUSA can be accepted for home down payments or monthly land contract payments
  • Access to Pre-Sales: Token holders may be given first access to home purchases or presale NFT-deeds tied to homes
  • Merchant Discounts: Preferred pricing on title services, home inspections, and contractor bids in tokenized communities
Investor Economics & ROI
166%
Year 1 ROI
Projected return on initial investment
612%
Year 2 ROI
Cumulative return by end of second year
1065%
Year 3 ROI
Cumulative return by end of third year
1844%
Total 3-Year ROI
Projected total return over initial three years
We are seeking $3,000,000 in investment capital in exchange for a 15% fully diluted equity stake in OppZoneDeFi, Inc. Investors will also receive 15% of net profits from real estate operations, as well as 0.25% of the transactional tax wallet revenue distributed on an automated, daily basis in perpetuity in USDC.
The OppZoneDeFi model delivers more than just strong returns—it offers a scalable, self-reinforcing growth engine that multiplies investor capital across both blockchain and real estate markets.