Why Vesta Equity Chose Provenance Blockchain: A Strategic Move to Redefine Home Equity

Why Vesta Equity Chose Provenance Blockchain: A Strategic Move to Redefine Home Equity

In the rapidly evolving intersection of fintech and real estate, one critical truth continues to assert itself: legacy infrastructure is a bottleneck to innovation. At Vesta Equity, our mission is to unlock the equity trapped in residential real estate and make it a dynamic, tradable, and accessible asset class. To accomplish this, we needed a blockchain platform that wasn’t just theoretically capable of supporting financial products, but one already battle-tested in the institutional trenches. That’s why we chose Provenance Blockchain.

This wasn’t a decision made lightly. It came after extensive analysis of many L1s and L2s, evaluating the demands of tokenizing home equity, aligning that with investor expectations, and identifying the technological backbone that could support complex regulatory, legal, and financial flows without compromising on cost, transparency, or performance. Provenance was the only blockchain that met — and exceeded — these expectations.

Provenance: Built for Institutional Finance, Not Hype

Most blockchains claim decentralization. Provenance delivers decentralized financial infrastructure tailored to institutional finance. Initially designed and developed by Figure, Provenance Blockchain and ProvLabs’ services were purpose-built to handle the nuanced requirements of regulated asset origination, servicing, financing, and securitization — all recorded immutably on-chain. This isn't Web3 wishful thinking. It’s already operational at scale.

The first clearest demonstration of this? The FLOC 2020-1 securitization — a $149 million transaction backed by loans originated, serviced, financed, and sold on-chain using Provenance. This wasn't a simulation or isolated proof-of-concept. It was a full production deal involving top-tier partners like Jefferies and Nomura, showcasing real-world cost savings, reduced counterparty risk, and a more transparent, streamlined securitization process. Thirteen more have followed!

Why This Matters for Vesta Equity

Vesta Equity is reimagining home equity by enabling homeowners to sell a fractionalized interest in the equity of their homes to investors, without taking on debt. This creates a unique new financial product: Home Equity Investments (HEIs) — an asset class that requires trust, transparency, compliance, and efficient servicing to scale.

Here’s how Provenance strengthens our business across every dimension:

1. Immutable Registry of Ownership

In traditional real estate or lending transactions, data is siloed, delayed, and often error-prone. With Provenance, every home equity transaction — from the original tokenization to secondary sales and servicing — is immutably recorded on a shared ledger. This provides a single source of truth for homeowners, investors, regulators, and platform operators.

This eliminates reconciliations, reduces audit risk, and streamlines investor reporting.

2. Smart Contract-Driven Servicing

Provenance is also unique in that much of the needed smart contract logic is built directly into the core of the protocol, which (a) reduces time and effort to go live on Provenance (reducing the number of smart contracts to manage), (b) removes attack surface (smart contracts are often seen as points of vulnerability), and (c) reduces costs associated with operating on-chain. This architecture is particularly valuable for asset originators and financial institutions looking to participate in the $3 trillion global securitization market—including residential and commercial mortgage-backed securities, auto loans, credit card receivables, and other asset-backed products. Provenance’s built-in functionality allows issuers to streamline the complex processes involved in structuring, issuing, and servicing these instruments, while benefiting from greater transparency, efficiency, and automation compared to legacy systems.

We move closer to "zero marginal cost" servicing — something legacy platforms can’t offer.

3. Frictionless, Bilateral Asset Exchange

Provenance doesn’t just store data — it serves as an exchange layer, enabling the real-time transfer of both HEI tokens and the stablecoins (e.g., USD or YLDS) used to buy them. For investors, this means real-time trade settlement with no counterparty risk or post-trade reconciliation delays.

This is vital for institutional capital allocators who demand speed, precision, and settlement finality.

4. Compliance Certainty and Risk Mitigation

Every smart contract on Provenance is auditable, transparent, and rule-enforcing. This means underwriting logic, investor eligibility, regulatory disclosures, and asset-level restrictions are all baked into the code, not buried in documents.

We don’t just meet compliance requirements — we encode them.

5. Capital Efficiency and Securitization Readiness

Provenance already supports the digitization and securitization of loans, and Vesta intends to eventually aggregate HEIs into a securitizeable pool. With Provenance, this becomes feasible without introducing intermediaries or operational drag.

We inherit a tested path from origination to securitization, enabling rapid scale and liquidity.

Quantifiable Impact

The Provenance and Figure case study on the FLOC securitization demonstrated over 100 basis points of measurable savings across origination, servicing, financing, and securitization. Extrapolated to the broader $3 trillion debt securitization market, this translates into $30 billion in potential savings annually. 

For Vesta Equity, those same mechanics apply to the home equity market — a multi-trillion-dollar asset class with limited  liquidity today due to legacy issues. By eliminating intermediaries and automating compliance, the Provenance ecosystem helps Vesta Equity compress costs, increase transparency, and enhance investor confidence, making HEIs an investable product for institutional capital and eventually retail investors. 

A Platform That Matches Our Vision

At its core, Vesta Equity isn’t just about tokenizing equity. It’s about redefining home ownership and providing liquidity to an illiquid market through a secure, scalable, and transparent infrastructure. Provenance isn’t just a blockchain — it’s an operating system for modern finance.

We chose Provenance because it aligns with our core values of efficiency, trust, and accessibility — and because it’s already proven capable of scaling regulated, real-world financial products. It gives us the rails not only to move capital more efficiently, but to create an entirely new asset class in the process.

As we continue to digitize and democratize access to home equity across the world, Provenance will remain central to our infrastructure. Not because it’s trendy — but because it works.

We are in market raising capital! Click the video below to learn more about our opportunity: