Non-bank originators now account for 84.1% of all U.S. single-family mortgage originations (Source: CHLA 2025 IMB Report, January 2026) — yet most lack direct access to secondary and capital markets, forcing them to sell their loans to big banks and investment funds at deep discounts. Obsidian One Corp. changes that. Our proprietary blockchain ecosystem eliminates the middleman, giving non-bank originators direct, streamlined, and cost-efficient access to capital markets — savings that flow directly to American homebuyers in the form of lower mortgage payments and reduced costs of homeownership.
IMPORTANT: This presentation is for informational purposes only and does not constitute an offer to sell or solicitation to buy securities. Investing involves risk, including possible loss of principal. Securities offered through Wefunder Portal LLC, Member FINRA. Please review all legal disclosures before investing.
Non-Bank Originators Are Locked Out of Full Market Value
Non-bank originators, also known as Independent Mortgage Bankers, now represent 84.1% of all U.S. single-family mortgage originations (Source: CHLA 2025 IMB Report, January 2026) — yet they lack the infrastructure, resources, and direct access to secondary and capital markets that big banks and institutional investment funds enjoy. As a result, many are forced to sell their mortgage loans at deep discounts to large financial institutions, forfeiting recurring revenue streams, repeat customer relationships, and the full realized market value of their loan portfolios. This systemic disadvantage costs non-bank originators — and ultimately American homebuyers — billions of dollars every year.
Obsidian Eliminates the Middleman
Obsidian One Corp.'s proprietary blockchain ecosystem gives non-bank originators and credit unions direct, frictionless access to secondary and capital markets — no big banks, no investment fund intermediaries, no deep discounts. By tokenizing mortgage loan servicing rights (MSR) cash flows and pooling them for re-securitization on our platform, originators retain the full realized market value of their loans, preserve recurring revenue streams, and maintain repeat customer relationships. Our streamlined, blockchain-powered infrastructure is faster, more transparent, and significantly more cost-efficient than traditional channels.
Lower Costs for American Homeowners
When non-bank originators stop losing value to middlemen, those savings don't just stay on their balance sheets — they get passed on to borrowers. Obsidian's model directly reduces the cost of mortgage origination, translating into lower mortgage payments and a meaningfully reduced overall cost of homeownership for families across America. Our solution is not just a financial innovation — it is a structural reform that creates a more equitable, efficient, and accessible mortgage market for every American.
Revolutionizing Mortgage Finance
Obsidian is a startup revolutionizing mortgage finance with blockchain. Obsidian can now purchase an originator's loans directly through its ecosystem, often paying the originator more. Investing in mortgage servicing rights cash flows is made easy, transparent, and direct by connecting originators to capital markets, cutting costs, and speeding up the process — say goodbye to the middleman and hello to smarter investing.
2018
Founded by Emile Auguste Jr. as a capital markets consulting firm in Beverly Hills, CA.
2022
Blockchain pivot: Founder ventured into blockchain development consulting, creating a proprietary technology stack in a JV with Istakapaza Technology.
2025
Technology validation: Proprietary technology stack chosen as core infrastructure for a Wyoming Special Purpose Depository Institution.
2026
Scale & expansion: Grew to manage over $1B in UPB of mortgage loan servicing portfolio; boosted one client's annual revenue by $3M; incorporated Obsidian One Capital Corp. (May 2026).
2026
Capital momentum: $2M bank commitment secured to acquire mortgage servicing rights.
Obsidian's Clients' Mortgage Servicing Portfolio
2026 $1.1 Billion
2027 $2 Billion
2028 $4 Billion
Obsidian's groundbreaking blockchain platform for mortgage pooling resecuritization 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 $1.1 billion by the end of 2026, to grow to $2 billion by 2027, and to exceed $4 billion by 2028. 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.
Projected AUM figures of $1.1B (2026), $2B (2027), and $4B (2028) are forward-looking estimates based on current assumptions and are not guarantees of future performance. Actual results may differ materially. Past performance is not indicative of future results.
The Obsidian Advantage Has Long-Term Sustainable Cash Flow
Loan Origination
Obsidian establishes exclusive partnerships with leading non-bank mortgage originators and credit unions, which collectively originate 84.1% of all U.S. single-family mortgage loans (approximately $2.12 trillion annually) (Source: CHLA 2025 IMB Report, January 2026). Our DLT-powered blockchain platform reduces loan resecuritization 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.
Loan Origination
Non-bank originator closes loan
OB-FLUX Analysis
AI-driven cash flow analysis & pooling
Tokenization
ERC-1400 compliant digital security tokens created
Re-Securitization
Pooled loans reach capital markets in 12 days
Investor Distribution
Quarterly smart contract distributions
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 resecuritization process into a streamlined 5-step procedure completed in just 12 days. This breakthrough enables resecuritized 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
Through smart contract automation, our investors receive quarterly distributions with documented annual cash-on-cash yields of 10%–12%. 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.
All performance metrics, processing time reductions, cost savings, and yield figures cited herein are estimates or based on historical data and are not guarantees of future results. Projected annual cash-on-cash yields of 10%–12% are forward-looking and subject to market conditions, interest rate fluctuations, prepayment speeds, and other factors. Investing in mortgage servicing rights involves risk, including possible loss of principal.
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 10%–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.
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 resecuritization and blockchain technology integration. Currently managing more than $1.1 billion 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.
Higher originator loan returns
Projected annual cash-on-cash yield
MSR access annually
Years of combined leadership expertise
MSRs currently under management
All statistics, projected yields, and financial figures presented on this slide are forward-looking estimates and are not guarantees of future performance. Projected annual cash-on-cash yields of 10%–12% and originator return improvements of 15%–20% are based on assumptions that may not prove accurate. Actual results may differ materially. Investing involves risk, including possible loss of principal. Past performance is not indicative of future results. Securities offered pursuant to Regulation Crowdfunding through Wefunder Portal LLC, Member FINRA.
How Investors Get Paid
Mortgage Loan Servicing Rights (MSRs)
Obsidian tokenizes MSR revenue that captures precisely 0.25–0.55% 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 $22,500–$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 $1.1 billion portfolio, this creates approximately $1.605–$6.955 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 10%–12% based on current market conditions. For every $100,000 invested, this translates to $10,000–$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.
Projected investor returns of 10%–12% annually and the example of $10,000–$12,000 per $100,000 invested are forward-looking estimates based on current market conditions and assumptions. These figures are not guaranteed and may differ materially from actual results. Distribution dates are targets and subject to change. The securities described are illiquid and there is no established secondary trading market. Investing involves risk, including possible loss of principal. Minimum investment amounts and share prices are subject to change. Please review the Company's Form C on SEC EDGAR before investing.
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 cash flows. 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.
$1,250
Average savings per loan across the ecosystem
84.1%
Of U.S. mortgages originated by non-bank lenders Obsidian serves (Source: CHLA 2025 IMB Report, January 2026)
47%
Reduction in servicing costs via AI-powered technology
42%
Reduction in processing costs via DLT blockchain platform
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.
This presentation does not constitute an offer to sell or solicitation to buy securities. SAFE Agreements and Convertible Notes involve significant risk, including possible loss of principal. Early investors may not receive the same terms as later investors. Securities offered pursuant to Regulation Crowdfunding through Wefunder Portal LLC, Member FINRA. Past performance is not indicative of future results.
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 excess 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 resecuritization 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.
Regulatory Compliance
Obsidian's ERC-1400 security tokens are structured under applicable federal and state securities law exemptions. Our platform maintains automated regulatory compliance at every transaction point, with military-grade security protocols and SHA-256 encrypted blockchain payment infrastructure — exceeding industry standards for institutional-grade asset management.
Obsidian Technology Partnership
Obsidian's strategic alliance with Istakapaza delivers a revolutionary blockchain platform that transforms excess mortgage servicing right cash flow tokenization, enabling instant valuation, reducing operational costs by up to 42%, 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 resecuritization 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.
Important Legal Disclosures
Not an Offer to Sell
This presentation is for informational purposes only and does not constitute an offer to sell, or a solicitation of an offer to buy, any securities in any jurisdiction. Any offer or sale of securities will be made only pursuant to a formal offering document. No offer or sale may be made in any state where such offer or sale would be unlawful prior to registration or qualification under applicable state securities laws.
Regulation Crowdfunding Disclosure
Obsidian One Corp. is offering securities pursuant to Regulation Crowdfunding (17 C.F.R. § 227) under the Securities Act of 1933, as amended, through Wefunder Portal LLC (CRD No. 283503), a registered funding portal and FINRA member. These securities have not been registered under the Securities Act or any state securities laws. Investors should review the Company's Form C on SEC EDGAR at www.sec.gov before investing.
Blue Sky — All 50 States
Securities offered under Regulation Crowdfunding are federally preempted from state registration requirements under Section 18 of the Securities Act of 1933 and Section 28(f)(2) of the Securities Exchange Act of 1934. However, state anti-fraud laws and notice filing requirements may still apply. Residents of all 50 states and U.S. territories are eligible to invest subject to applicable Reg CF investment limits. Investors are encouraged to consult a licensed securities attorney in their state before investing.
Investment Risk & Suitability
Investing in early-stage companies involves a high degree of risk, including possible loss of your entire investment. These securities are illiquid — there is no established secondary trading market. Under Reg CF, non-accredited investors are subject to investment limits based on annual income and net worth. You should not invest funds you cannot afford to lose. Consult your own legal, tax, and financial advisors before investing.
Forward-Looking Statements
This presentation contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Projected yields of 10%–12%, AUM growth figures, cost reduction percentages, and processing time improvements are estimates based on assumptions that may not prove accurate. Actual results may differ materially due to market conditions, interest rate changes, regulatory developments, prepayment speeds, credit losses, and other factors. Obsidian undertakes no obligation to update forward-looking statements.
Blockchain & Digital Asset Regulatory Risk
ERC-1400 security tokens have not been registered under the Securities Act or any state securities laws and are offered pursuant to applicable exemptions. The regulatory landscape for digital assets and blockchain technology continues to evolve at the federal level (SEC, CFTC, FinCEN) and in all 50 states. Changes in law or regulation could materially affect the Company's business, token value, and investors' ability to transfer or liquidate their investment.
No Guarantee of Returns
Projected annual cash-on-cash yields of 10%–12%, AUM projections, per-loan savings, and all other financial performance figures are forward-looking estimates only and are not guarantees of future performance. Past performance of mortgage servicing rights is not indicative of future results. Fannie Mae/Freddie Mac UMBS guarantees apply only to qualifying loans and do not guarantee investor returns.
No Professional Advice
Nothing herein constitutes legal, tax, accounting, or investment advice. Prospective investors should consult their own advisors. The Company's counsel does not represent prospective investors.
© 2026 Obsidian One Corp. All rights reserved. | Incorporated in California | Securities offered through Wefunder Portal LLC, Member FINRA (CRD No. 283503) | FINRA BrokerCheck: www.finra.org/brokercheck | SEC EDGAR: www.sec.gov | Investor Education: www.investor.gov | This document is confidential and for informational purposes only. Obsidian One Corp. is not a registered broker-dealer, investment adviser, or funding portal. Wefunder Portal LLC is the registered funding portal for this offering.
OBSIDIAN ONE CORP.