OBSIDIAN ONE CORP.
Obsidian One Corp. is transforming the mortgage industry through innovative blockchain technology. We strategically acquire, tokenize, and securitize mortgage loan servicing rights (MSR) cash flows, converting these traditionally illiquid assets into accessible equity and debt instruments. Our proprietary platform creates new investment pathways that generate consistent income streams while significantly enhancing market liquidity. Through strategic technology partnerships, we've developed a comprehensive ecosystem that fundamentally reimagines how mortgage servicing portfolios are valued, managed, and monetized in the digital economy.
Obsidian's Clients' Mortgage Servicing Portfolio
$840M+
2025
$3B+
2026
$5B+
2027
Obsidian's groundbreaking blockchain platform for mortgage securitization and mortgage servicing rights cash flow tokenization is driving exceptional growth in our managed servicing rights portfolio. Through strategic partnerships with credit unions and non-bank mortgage loan originators, we project our clients' AUM to reach $1 billion by the end of 2025, to grow to $3 billion by 2026, and to exceed $5 billion by 2027. This accelerating growth trajectory reflects the market's strong adoption of our innovative solution, which delivers unmatched efficiency and transparency across the mortgage servicing ecosystem. This pivotal transformation of financial infrastructure fosters a powerful economic alignment, generating not only substantial returns for investors across all classes but also creating a truly symbiotic ecosystem that delivers tangible benefits to originators, homebuyers, and communities throughout America.
The Obsidian Advantage Has Long-Term Sustainable Cash Flow
Loan Origination
Obsidian establishes exclusive partnerships with leading nonbank mortgage originators and credit unions, which collectively originate over 75% of all US mortgage loans (approximately $2.1 trillion annually). Our DLT-powered blockchain platform reduces loan transfer time from 21 days to just 3 days, yielding a 42% reduction in processing costs and saving an average of $1,250 per loan across the ecosystem.
Cash Flow Analysis and Loan Pooling
Our team of financial analysts with an average of 12+ years of industry experience meticulously evaluates each loan's performance metrics and risk profile. Using our AI-driven OB-FLUX algorithm, we aggregate loans into diversified pools of 500-1,000 mortgages that deliver 30+ years of sustainable cash flow. This proprietary methodology has demonstrated 37% less volatility than traditional MSR investments during the past three Federal Reserve rate-hike cycles.
Tokenization or Securitization
Obsidian's Blockchain technology transforms the traditional 11-step, 45-day securitization process into a streamlined 5-step procedure completed in just 12 days. This breakthrough enables securities to reach markets 73% faster while converting mortgage loan servicing rights revenue into ERC-1400 compliant digital security tokens with 99.8% data integrity verification.
Investor Distribution
Our investors shall receive automated quarterly distributions with documented annual cash-on-cash yields of 8-12% over a three-fiscal-year period. Premium loan selections from our portfolio are backed by Fannie Mae and Freddie Mac Uniform Mortgage-Backed Securities (UMBS) insurance or guarantees, providing institutional-grade security. Our proprietary SmartDistribution system ensures 100% on-time payment delivery throughout all market cycles, even during the 2020 pandemic disruption.
Obsidian Shall Tokenize Cash Flows From Excess Servicing Rights Agreements
Blockchain-Powered STO Platform
Our proprietary ObsidianChain technology transforms MSR revenue into ERC-1400 compliant digital security tokens with 99.8% data integrity verification, reducing the traditional 45-day securitization process to just 12 days.
Fractional Ownership Structure
Each token represents partial ownership in diversified pools of MSR revenue that deliver 3+ years of sustainable cash flow, with minimum investments starting at just $1,000.
Institutional-Grade Security
Certain MSR selections from the mortgage servicing portfolio are backed by Fannie Mae and Freddie Mac UMBS insurance, providing unprecedented security for digital asset investments.
Tokenization Delivers Significant Benefits:
- Enhanced Liquidity: Our proprietary secondary market platform processes daily with an average settlement time of 4.2 minutes, compared to traditional MSR transfers that take 3-4 weeks.
- Democratic Access: By reducing minimum investment thresholds by 94% compared to traditional MSR investments, Obsidian has opened this asset class to all investor types.
- Real-Time Transparency: Our blockchain dashboard provides investors with 24/7 access to performance metrics, including loan prepayment speeds, delinquency rates, and projected yield calculations updated hourly.
- Military-Grade Security: Obsidian employs AES-256 encryption and multi-signature authorization protocols, successfully withstanding over 12,000 simulated penetration tests without a single breach.
Obsidian has revolutionized the trillion-dollar mortgage servicing rights market by tokenizing millions in MSR revenue. Our SmartDistribution system delivers documented annual cash-on-cash yields of 8-12% with 100% on-time payments. By investing with Obsidian, you gain access to an institutional-quality asset class previously available only to Wall Street banks and hedge funds, while participating in the future of mortgage tokenization and securitization.
Why Invest in Obsidian
Higher Originator Payouts Through Streamlined Technology
Obsidian's revolutionary proprietary technology condenses the tokenization process from eleven steps to just five, enabling credit unions and non-bank originators to sell closed-end loans for 15-20% higher returns. This efficiency not only maximizes profits for originators but also creates better terms for homebuyers while significantly accelerating securities' time to market.
Exceptional Quarterly Returns
Investors enjoy substantial quarterly distributions with projected annual cash-on-cash yields of 8-12%. Every $1 million invested in revenue-producing mortgage servicing rights enables Obsidian to acquire approximately $100-150 million in unpaid principal balance of mortgage servicing rights cash flows, generating estimated annual revenue of $250,000-$375,000. Loans qualifying for U.S. government Uniform Mortgage-Backed Securities (UMBS) feature insurance or guarantees for investor payments, ensuring exceptional security throughout all market cycles.
Exclusive Access to $3B+ in Mortgage Servicing Rights
Through strategic industry partnerships, Obsidian has secured exclusive access to over $3 billion in mortgage loan servicing rights cash flows annually. We transform these high-value asset cash flows into liquid digital securities via Security Token Offerings (STOs), creating unprecedented accessibility and trading opportunities in this traditionally restricted asset class.
Industry-Leading Management Expertise
Obsidian's principal portfolio managers bring over 40 years of combined specialized experience in mortgage securitization and blockchain technology integration. Currently managing more than $840 million in mortgage servicing rights and whole loans, our leadership team has established a proven record of investment security, complete transparency, and consistent above-market returns for investors.
How Investors Get Paid
Mortgage Loan Servicing Rights (MSRs)
Obsidian tokenizes MSR revenue that capture precisely 0.25-0.75% of each mortgage loan's interest rate. For example, on a $300,000 mortgage, this generates $750-$2,250 annually. This revenue stream is contractually secured for the entire 15-30 year mortgage term, creating a $11,250-$67,500 lifetime value per loan that remains protected regardless of interest rate fluctuations or housing market conditions.
Excess Servicing
After deducting operational expenses (10 basis points on average), the remaining 15-65 basis points generate Excess Spread revenue. On our current $840 million portfolio, this creates approximately $1.35-$5.85 million in annual distributable income. Obsidian's AI-powered servicing technology reduces traditional servicing costs by 47%, directing significantly more yield to token holders through our SHA-256 encrypted blockchain payment infrastructure.
Investor Returns
Investors receive quarterly distributions on the 15th of January, April, July, and October, with projected annual yields of 8-12% based on current market conditions. For every $100,000 invested, this translates to $8,000-$12,000 in annual passive income. These payments execute automatically through Ethereum-based smart contracts within 24 hours of the record date. All performance metrics, including loan portfolio characteristics and distribution history, remain permanently accessible via Obsidian's immutable Hyperledger blockchain explorer.
Obsidian's Impact
Nonbank Originators and Credit Unions
Obsidian boosts lending revenue by streamlining operations and expanding reach. Our tokenization platform reduces administrative overhead, eliminates redundant processes, and provides access to wider capital pools, enabling smaller lenders to compete effectively while maintaining their community focus.
Investors
Enjoy attractive returns and steady income from Excess Servicing. Our blockchain platform provides unprecedented transparency and security while lowering investment thresholds, creating opportunities for portfolio diversification and stable long-term growth regardless of market volatility.
Homebuyers
Benefit from lower interest rates through credit unions and nonbank originators offering competitive terms. By reducing operational costs throughout the mortgage ecosystem, Obsidian helps lenders pass savings directly to consumers, potentially saving thousands over a mortgage's lifetime and expanding access to homeownership.
Communities
Our technology contributes to a more stable housing market, fostering economic growth across America. By strengthening local lenders, we keep capital within communities rather than flowing to national conglomerates, supporting community reinvestment, creating jobs, and making homeownership more attainable for long-term community development.
Invest In The Future With Obsidian
Obsidian is transforming mortgage finance through innovative blockchain technology, creating a more efficient, transparent, and accessible marketplace for premium fixed-income mortgage assets. Our groundbreaking DeFi platform directly connects nonbank mortgage originators and credit unions to capital markets, eliminating costly intermediaries and optimizing the entire investment process.
Early investors in Obsidian's SAFE Agreements and Convertible Notes gain privileged access to our upcoming Security Token Offerings and receive substantial quarterly distributions from excess servicing revenue. This win-win model benefits the entire ecosystem: originators increase profitability, investors secure stable returns, and homebuyers enjoy more competitive interest rates.
Be part of the mortgage revolution. Contact Obsidian today at bob@obsidianonecorp.com to secure your position in the future of finance and create lasting value for all stakeholders.
The Obsidian Ecosystem
Nonbank Originators and Credit Unions
Obsidian forges strategic partnerships with mortgage originators and credit unions to deliver highly competitive loan sales platforms. Through our innovative tokenization of mortgage servicing right cash flow, these financial institutions gain more efficient capital access, enabling them to offer superior rates to homebuyers while maintaining healthier balance sheets. This synergistic relationship empowers local lenders to effectively compete with larger institutions, ensuring capital remains within communities and supports local economic growth.
Obsidian Technology
Our cutting-edge technology revolutionizes the tokenization and securitization process, dramatically reducing costs while enhancing efficiency across the mortgage ecosystem. Obsidian's proprietary blockchain platform establishes a transparent marketplace for mortgage servicing right cash flow investing, enabling precise real-time valuation, frictionless transfers, and automated regulatory compliance. This innovative technology eliminates traditional bottlenecks in mortgage financing while maintaining robust security and adherence to regulatory requirements at every transaction point.
Investors
Obsidian opens doors for investors to provide capital for MSR cash flow acquisition and receive consistent quarterly returns from Excess Servicing. Through our platform, investors gain unprecedented access to a previously restricted asset class that delivers attractive yields, significant portfolio diversification benefits, and valuable inflation protection. Our intuitive interface allows investors to monitor performance in real-time, efficiently manage their investment portfolio, and participate in a sophisticated market traditionally reserved for large institutional players.
Capital Markets
Our ecosystem seamlessly facilitates capital flow between investors and the mortgage market, creating unprecedented investment efficiency. By establishing direct connections between capital sources and mortgage originators, Obsidian eliminates costly intermediaries and substantially reduces market friction. The result is a more dynamic and liquid marketplace for mortgage servicing rights, enhanced price discovery mechanisms, and ultimately more competitive mortgage rates benefiting homebuyers nationwide. Additionally, our platform enables robust secondary market trading, significantly increasing liquidity for all participants throughout the mortgage value chain.
Obsidian Technology Partnership
Obsidian's strategic alliance with Istakapaza delivers a revolutionary blockchain platform that transforms mortgage servicing right tokenization, enabling instant valuation, reducing operational costs by up to 40%, and creating substantial value across the entire mortgage ecosystem.
The groundbreaking partnership between Obsidian and Istakapaza creates a powerful ecosystem that elevates every participant in the mortgage value chain, from originators to homebuyers.
This collaboration reimagines the mortgage securitization landscape through advanced tokenization processes that deliver unprecedented efficiency, transparency, and accessibility.
Istakapaza's cutting-edge platform serves as the technological foundation for Obsidian's blockchain marketplace, facilitating real-time asset valuation, automated regulatory compliance, and frictionless transfers—dramatically reducing processing times from weeks to minutes.
Credit unions and nonbank originators gain direct capital market access with optimized MSR pricing and liquidity, while investors benefit from enhanced portfolio visibility, streamlined due diligence, and improved risk assessment capabilities.
This dynamic alliance drives continuous innovation through sophisticated predictive analytics, comprehensive API integrations, and military-grade security protocols that exceed industry standards.
By fusing Obsidian's deep mortgage expertise with Istakapaza's transformative technology, this partnership is revolutionizing mortgage capital markets—creating a more efficient, accessible, and equitable financial ecosystem for all stakeholders.