02 — Infrastructure for Banks

The Deposit Flight Problem

Banks are losing deposits. Not to other banks — to platforms that offer what banks can't.

Fundrise has attracted billions from retail investors seeking real estate exposure. Crypto platforms have captured younger demographics looking for yield. Alternative asset platforms are growing while traditional deposit accounts stagnate.

The customers aren't wrong to leave. They're seeking returns that savings accounts can't provide. They're seeking asset classes that traditional banking relationships don't offer.

Banks have two choices: watch deposits flow to competitors, or offer what customers actually want.

The Build vs. Buy Decision

Building tokenization infrastructure internally is theoretically possible. Practically, it's a multi-year, multi-million dollar undertaking requiring expertise in blockchain development, securities law, custody solutions, and real estate operations.

Most banks aren't equipped to build this. They shouldn't have to.

AVKI provides turnkey infrastructure that lets financial institutions offer tokenized commercial real estate to their existing customers — without building the technology, navigating the compliance complexity, or sourcing the properties themselves.

We handle:

• Tokenization architecture and smart contract deployment

• Regulatory compliance (Reg D, Reg A+ pathways)

• KYC/AML integration with your existing systems

• Property sourcing and underwriting

• Investor onboarding and ongoing reporting

• Custody and settlement

You handle:

• Customer relationships

• Brand and distribution

• Product positioning within your existing offerings

White-Label Deployment

AVKI deploys as white-label infrastructure. Your customers see your brand, not ours.

The experience integrates with your existing digital banking or wealth management platform. Customers access tokenized real estate offerings through interfaces they already trust, with compliance handled invisibly in the background.

Deployment timeline: 30 days from contract to live.

This isn't a years-long integration project. It's infrastructure designed for rapid deployment because we've already solved the hard problems.

The Economics

Platform access is structured as SaaS with volume-based components. Pricing scales with success — we grow when you grow.

Enterprise tiers include:

• Base platform fees

• Volume fees on transactions

• Premium features: custom integrations, advanced analytics, dedicated support

The unit economics work for regional banks, neobanks, and wealth platforms. We're not building for the largest institutions with internal development capacity. We're building for the 4,000+ US banks and thousands of wealth platforms that need infrastructure partners.

What We're Building Toward

Imagine a future where your customers check their commercial real estate allocation alongside their checking balance. Where "alternative assets" aren't alternative — they're a standard part of the product suite every financial institution offers.

That future requires infrastructure. We're building it.

If you're a bank, brokerage, or wealth platform interested in offering tokenized real estate, we should talk.