1. B L O C K C H A I N T R A N S PA R E N C Y
P O W E R E D B Y FA C T O M A P O L L O ™
2. $17 Billion Fine
T + 0 T R A N S PA R E N T M O R T G A G E S
FA C T O M : P R A C T I C A L U S E C A S E
3. $17 Billion Fine
$ 1 3 T R I L L I O N I N U S M O R T G A G E S
M A R K E T S I Z E : A T E N D O F Q 4 2 0 1 5
( A N D A H I T H O L LY W O O D M O V I E )
4. F U L L D O D D - F R A N K C O M P L I A N C E
FA C T O M A P O L L O ™ : C O M P L E T E A U D I T E D M O R T G A G E F I L E W I T H
Factom Apollo™
Factom Publishing Layer
Time Stamped
Signatures
Underwriting Compliance Verified Documents Future Record Keeping
Underwriting
Events
+
Appraisal, Title
Survey, etc.
Final Signed
Loan Package
+
Transparent Mortgages by Factom
+
Payment
History
Foreclosure
Proceedings
5. D I G I TA L E N V E L O P E
T R A N S F E R : C O M P L E T E M O R T G A G E D O C U M E N TA T I O N B E C O M E S A
Factom Apollo™
Factom Publishing Layer
Time Stamped
Signatures
Underwriting Compliance Verified Documents Future Record Keeping
Underwriting
Events
+
Appraisal, Title
Survey, etc.
Final Signed
Loan Package
+
Digital Envelope of Complete File
+
Payment
History
Foreclosure
Proceedings
6. B L O C K C H A I N B A C K - E N D
S O F T WA R E : E A C H B A N K M A I N TA I N S M O R T G A G E R E C O R D S W I T H
bitcoin blockchain
Bitcoin Blockchain
Factom Data Layer
Mortgage Record Systems
FNMA CITI BoABlackrock Pimco
7. VA L I D AT E D I N FA C T O M
I N S TA N T T + 0 : E N V E L O P E I S E L E C T R O N I C A L LY T R A N S F E R R E D A N D
bitcoin blockchain
Blockchain
Blackrock Pimco
Factom Directory
Mortgage
Validate Records in Factom
Add to Chain
8. T + 0 L I Q U I D A S S E T
S O L U T I O N : T + 4 5 N O N - L I Q U I D A S S E T B E C O M E S
bitcoin blockchain
Blockchain
Blackrock Pimco
Factom Directory
Mortgage
Validate Records in Factom
Add to Chain
9. $17 Billion Fine
T R A N S PA R E N T S E C U R I T I E S
O P P O RT U N I T Y: T R A N S PA R E N T M O R T G A G E S L E T Y O U C R E A T E
10. $17 Billion Fine
B L O C K C H A I N S C A L A B I L I T Y
C H A L L E N G E : H O W FA C T O M T E C H N O L O G Y A P P R O A C H E S
11. D ATA L AY E R O N B L O C K C H A I N
FA C T O M : S O LV E S T H E M A J O R S C A L I N G L I M I TA T I O N S W I T H A
10 minutes
of data
Merkle
Tree
Factom
“Merkle Proof”
Bitcoin Blockchain
12. R E D U N D A N C Y A R C H I T E C T U R E
FA C T O M : A N C H O R I N G I N T O M U LT I P L E B L O C K C H A I N S C R E A T E S :
10 minutes
of data
Merkle
Tree
Factom
“Merkle Proof” Anchored in multiple blockchains
Bitcoin Blockchain
Ethereum Blockchain
Ripple Blockchain
Private Bankchains
13. M A S S I V E S C A L I N G B E Y O N D
FA C T O M H E R A ™ : P R I VA T E B L O C K C H A I N T O O L S F O R
10 minutes
of data
Merkle
Tree
Factom
“Merkle Proof” Anchored in multiple blockchains
10 minutes
of data
Merkle
Tree
Factom Hera™
Bitcoin Blockchain
14. $17 Billion Fine
R E G U L AT O RY C O M P L I A N C E
C H A L L E N G E : H O W T O D O C U M E N T D U E D I L I G E N C E F O R F U L L
15. P R I VAT E D ATA S TAY S P R I VAT E
P R I VA C Y C O N C E R N S : G R A M M – L E A C H – B L I L E Y R E Q U I R E S
Digitized
Mortgage Records
Mortgage Application Hash of
Mortgage Records
Private Application Public Record
16. P R O O F O F P R O C E S S
G A R B A G E I N C O N C E R N S : D O D D - F R A N K R E Q U I R E S
Compliance
Verification
Colateral
Verification
Credit
Verification
Valuation
Confirmation
chain of process
Factom Publishing Layer
Factom Apollo™
17. $17 Billion Fine
I N M AT H W E T R U S T
FA C T O M : B L A C K B O X E S B E C O M E T R A N S PA R E N T B O X E S
20. PA U L S N O W
C H I E F A R C H I T E C T
P E T E R K I R B Y
C E O
D AV I D J O H N S T O N
C H A I R M A N
T I A N A L A U R E N C E
C M O
J A C K L U
C T O
B R I A N D E E RY
C H I E F S C I E N T I S T
A N D R E W YA S H C H U K
V P P R O D U C T S
T E A M : FA C T O M H A S 2 4 F U L L T I M E E M P L O Y E E S . A U S T I N , T E X A S H Q .
A B H I D O B H A L
V P B U S I N E S S D E V E L O P M E N T
T E C H N I C A L T E A MB U S I N E S S T E A M
22. PAY S T H E H A R D WA R E
T H E FA C T O M P R O T O C O L S O F T WA R E
federated server federated server federated server federated server federated serverfederated server
F F F F F F
32
federated servers
F F F F F F
Factom Protocol
audit server audit server audit serveraudit server audit server audit server audit server32
audit servers
23. O N LY U S E D F O R E N T R I E S
FA C T O I D S A R E C O N V E R T E D I N T O E N T RY C R E D I T S
FF EC
Factoid Entry Credit
onewayonly(cost $0.001 each)(fluctuating price)
x Exchange Rate
24. S I M P LY PAY F O R E N T R I E S
S Y S T E M A L L O W S I S O L A T I O N F R O M C RY P T O C U R R E N C Y
FF EC
Factoid Entry Credit
onewayonly
(cost $0.001 each)(fluctuating price)
x Exchange Rate
Banking Customer
Isolated from Cyrpto
