Homes For All leverages tokenisation to enhance the purchasing power in the social housing sector, while also employing it as an incentive for service users affected by homelessness. This approach fosters a sense of ownership, motivating service users to confront the underlying reasons for their homelessness and offering them a modest income source.

The process involves dividing properties into smaller, tokenised shares, enabling multiple individuals to own parts of the same property. This model allows those otherwise excluded from the housing market to engage in micro-investments by purchasing tokens representing partial property ownership.

Once a property is tokenised and integrated into the network, it’s leased to a third-sector organisation, such as a homelessness charity. The rent generated is distributed among token holders as a dividend, providing them with a recurring income and a stable, long-term investment in property. Homes For All, as a community interest company (CIC), also acquires tokens in each property, creating revenue streams and accumulating assets in the form of property tokens on its balance sheet.

The CIC’s strategy includes acquiring struggling homeless charities, thereby gaining control of their assets, including housing and staff. This acquisition enables the removal of unnecessary high-paid leadership, replaced by more social workers to directly address the roots of homelessness, typically linked to social or mental health issues. The administrative roles within these charities can be efficiently consolidated under the Homes For All leadership team, maintaining a streamlined central leadership structure. Additionally, to promote decentralised decision-making, token holders will be empowered to have a voice in key decisions.

By controlling service provision, the CIC can develop new incentive mechanisms that use property tokens to reward service users for progress toward recovery and independence. This approach instils a sense of ownership, a known catalyst for change, and provides a steady revenue source and valuable asset in the form of property tokens. Over time, service users can use these incentives to acquire more tokens, aiding their escape from homelessness and addressing their social challenges. This cycle of recovery aims to reintegrate service users into society, enabling employment and reducing dependence on welfare.

The concept is appealing due to the historical stability of property investment. The blend of tokenisation and micro-investment, coupled with its social benefits, makes it an attractive proposition. Homes For All represents a fusion of capitalist and socialist principles, driving social change for the collective good.