Brightvine Portal

The Mortgage Supply Chain ON-CHAIN

The Brightvine Portal integrates seamlessly with the current technology systems of lenders and originators to create mortgage and MBS tokens, enabling seamless sharing, transfer, and securitization of mortgage data and documents via blockchain

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Brightvine Portal

Fixed Income Supply Chain,
ON-CHAIN

The Brightvine Portal is a secure management platform for conducting primary offerings of fixed income products. Loan originators, asset managers, and broker dealers write the asset and security-level data to Brightvine’s distributed ledger, enabling the seamless, real-time sharing of validated data and documents with all stakeholders and investors in the offering.

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"Brightvine offers a real world application of the potential of blockchain to transform the mortgage industry"
Sreeni Prabhu
Co-CEO and managing partner at Angel Oak

Features of The Brightvine Portal

Asset Tokenization & Transfer

Tokenization allows investors, issuers, and borrowers to experience increased efficiency in creating, issuing, and managing assets. All origination information and changes to an asset are written to Brightvine, ensuring an exhaustive history, accelerating diligence, and increasing transfer and execution speed.

Instantly Verifiable Document Repository

Loan documents are converted to encrypted alphanumeric strings, called hashes. These hashes are instantly validated against our immutable records and become Brightvine Certified, signifying fully accurate and up-to-date data.

Blockchain Validated Digital Loan Tapes

Asset information is audited for completeness upon import to the Portal. This ensures that loan tapes are not only complete, but all changes pertaining to an asset are recorded, stored, and updated across Brightvine.

Securitization and Loan Pool Sales

Tokenized assets can be easily pooled, securitized, and transferred within Brightvine. Servicer and trustee integrations allow for real-time reporting on asset performance. Validated data is seamlessly shared across all permissioned stakeholders.

Asset Tokenization
& Transfer

All origination information and changes to an asset are written to the blockchain, ensuring an exhaustive history. Once tokenized, these asset tokens can accelerate diligence and can be easily transferred to new owners.

Instantly Verifiable Document Repository

Loan documents are converted to encrypted alphanumeric strings, called hashes. These hashes are instantly validated against our immutable records and become Brightvine Certified, signifying fully accurate and up-to-date data.

Securitization &
Loan Pool Sales

Tokenized assets can be easily pooled and securitized within Brightvine. The resulting security tokens can be sold and easily transferred to prospective investors via the Portal. Distributions are automatically allocated to security token holders.

Better. Faster. Smarter.

Lower Audit Costs

Faster Time To Close

Better Pricing

Better Data

Safety and Security

More Transparency

Solving Mortgage Industry Challenges

Many Stakeholders

Intercompany communications during the mortgage closing process is difficult.Manual transmission of important data and documents can lead delays and can be opaque and laden with errors.

Digital loantapes cointain validated information that allows the most complete and up-to-date data to be easily shared between parties.

Significant Audit Costs

Loan files are manually audited to validate incomplete loan tapes during securitizations or sales.

Creating mortgage tokens with mortgage data and hashed documents reduces audit costs and makes sharing and selling mortgages seamless and easy.

Paper Intensive

Paper loan files must be transferred, reviewed, and stored by document custodians and reprocessed every time a mortgage changes hands.

Pooling and transfer of mortgage tokens can be done digitally, eliminating the need to transfer physical paper documents.

Solving Industry Challenges

Inter-company communications during the closing process are difficult. Manual transmission of important data and documents can lead to delays and can be opaque and laden with errors.

Digital loantapes cointain validated information that allows the most complete and up-to-date data to be easily shared between parties.

Significant Audit Costs

Loan files are manually audited to validate incomplete loan tapes during securitizations or sales.

Creating mortgage tokens with mortgage data and hashed documents reduces audit costs and makes sharing and selling mortgages seamless and easy.

Paper Intensive

Paper loan files must be transferred, reviewed, and stored by document custodians and reprocessed every time a mortgage changes hands.

Pooling and transfer of mortgage tokens can be done digitally, eliminating the need to transfer physical paper documents.

Efficiencies Realized Through
Brightvine Portal

1st
Angel Oak debuted the Brightvine Portal in the first bank sub-debt securitization leveraging blockchain technology
$139m
Subordinated notes totaling $139mm onboarded, tokenized and pooled via the Brightvine Portal
$700b
Official documents and data for $148mm CLO shared via Brightvine Portal’s distributed ledger with investors representing $700bn+ of AUM
4x
Using the Portal to coordinate data and documents across stakeholders resulted in 4x faster time to close

"The Brightvine Portal gives us quick access to all of the latest blockchain-validated information associated with each note all in one place; we see it as a huge driver of efficiency for our team, our investors and our securitization process going forward."

Johannes Palsson
Senior Portfolio Manager AngelOak Capital Advisors