📘What is Zona

Zona is a RWA-focused lending platform, allowing over $15B in RWA TVL to unlock onchain utility and capital efficiency. No longer does your tokenized real estate need to sit idle in your wallet, you can deposit it as collateral in Zona and take out the first onchain mortgage.

Zona consists of two core products:

1. ZonaLend: Zona's lending platform specialized in supporting both in-house and third-party RWAs. It allows listed RWAs that have passed our due diligence to be approved as collateral, thereby unlocking further capital efficiency. For onchain real estate in particular, our proprietary price indexes track property prices changes of different cities, allowing collateralized real estate to be valued accurately and frequently. As a result, our purpose-built real estate oracles unlock an exciting product for the first time - the onchain mortgage, revolutionizing property-backed lending.

2. Zona Parkhub: Zona's in-house tokenized real estate, starting with parking spaces. Although often overlooked, parking spaces in major cities provide some of the best risk-adjusted yield on the market due to favorable demand-supply dynamics, ranging from 5-10% depending on the location. Note that this is from rental income alone, and does not factor in ever-rising property prices yet.

Zona aims to support all RWA asset types, including but not limited to: treasury bills, money market funds, equities, commodities, foreign currencies, ETFs, and more. The first asset to be supported is the Zona Parkhub, which offers a curated portfolio of tokenized parking spaces located in prime locations of Hong Kong, offering users with the best risk-adjusted returns in the market.