Semua Insights

Do Not Release the Cash Until the Asset Moves: What Tokenised Deposits Reveal About Mortgage Settlement

The UK's tokenised-deposit remortgage pilot makes conditional cash release concrete. But a payment event, repayment of the old loan, discharge of a charge and registration of a new one require different evidence. In a remortgage, the property owner can remain the same while the financing changes.

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The Home Is Not the Receivable: How Ijarah Turns Property Finance Into an Institutional Asset

Egypt’s Nawy Now and Synergy Capital have closed a second EGP 633 million issuance of an Ijarah-based fixed-income fund, taking the programme above EGP 1 billion in less than a year. Nawy says the fund buys mortgage receivables from its home-finance portfolio, freeing balance-sheet capacity for new financing. The structure is a useful reminder that property, the Ijarah contract, the customer’s payment obligation, the receivable, the portfolio transferred to a fund and the investor’s fund...

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