GUIDEBOOK BUSINESS PROCESS FOR ONE-STOP REAL ESTATE SOLUTION PLATFORM BY COMBINING MULTIPLE BEST-PRACTICE INITIATIVES. February 2023 VERSION 1.0 X-TEAMAbout This document will provide comprehensive guidance for all stakeholders on how to develop and operate the business, including the pre-development, development, and post-development processes. All processes will be integrated in parallel with all related divisions and will be bound to the business's standard operating procedures. Our goal is to become a technology-based platform focused on developing a sustainable property-based ecosystem. With this vision, we will develop an integrated hybrid system to provide a total solution by incorporating blockchain technology into conventional business management. Every statement made in this document is subject to change and correction in accordance with the business strategy of the organization. Adjustments will be carefully considered before being put into effect in accordance with internal business consensus. To accomplish the purpose of the organization, a complete analysis, study, and implementation of this document are required. There will be detailed standard operating procedures that cover the business model, data input, information management, system mechanism, use case diagram, activity diagram, and other operational supporting data as part of a complete system for internal communication. Each process shall be thoroughly documented and used as a strategic monitoring and reporting mechanism, and all company stakeholders must be obligated by and implied with it. ‘Asset-based NFTS are a type of non-fungible token that represent ownership of a specific asset, such asa piece of real estate. In the real estate industry, asset-based NFTs can be used to digitize the ownership and transfer of property titles, making it easier and more efficient to buy, sell, and trade real estate. By creating an NFT that represents ownership of a particular property, the asset can be more easily subdivided and traded in smaller portions, potentially opening up new investment opportunities for smaller investors who may not have been able to purchase the entire property outright. ‘Asset-based NFTs can also provide a permanent and tamper-proof record of ownershi which can help to prevent fraud and ensure the integrity of real estate transactions. Additionally, the use of blockchain technology can help to streamline the real estate transaction process, reducing the time and cost associated with buying and selling real estate. While the use of asset-based NFTs in the real estate industry is stil in its early stages, it has the potential to disrupt traditional real estate markets and create new opportunities for investors and property owners alike. Please get in touch with divineasetdigital@gmail.com or call +62 8212979 3057 for more information if any discoveries need to be changed to improve the procedures.Contents ‘About .. Glossary... Business Model. Value Proposition. Market Segmentation... Channel Distribution. Customer Relationship. sesssesee Error! Bookmark not defined. Revenue Generator ..... Key Partnership. Key Sources. Key Activities. Cost Structure... Integrated Products & Services. Token. Exchanger Marketplace... Property Management. Business Process Flowchart. ‘Asset On-boarding. Operational On-boarding.....r.-- Investor On-boarding.... Use Case Diagram. Activity Diagram. 4 14 Error! Bookmark not defined. Error! Bookmark not defined.Business Model Review “Experience the Ultimate in Real Estate Ownership with Asset-Based NFTs — Invest, Own, and Trade with Confidence" Our new product is a cutting-edge platform that allows you to invest in real estate assets using asset-based NFTs. By using blockchain technology to represent ownership of specific real estate assets, our platform enables you to own and trade portions of valuable properties with ease and confidence. With our platform, you can experience the ultimate in teal estate ownership, enjoying the security, transparency, and efficiency of asset- based NFTS. Our platform provides a permanent and tamper-proof record of ownership, and allows you to subdivide and trade properties in smaller portions, opening up new investment opportunities. By investing in our platform, you can unlock the power of real estate ownership, revolutionizing the way you invest in and benefit from the real estate market. Asset-based NFTS (non-fungible tokens) have a range of benefits in the real estate industry. Here are some of the key benefits: 1. Fractional Ownership: Asset-based NFTs enable fractional ownership of real estate assets, allowing investors to own a percentage of a property or properties. This enables more investors to participate in real estate investment, making it more accessible and affordable. 2. Liquidity: Asset-based NFTs are traded on blockchain-based marketplaces, which can provide greater liquidity for real estate investments. This means that investors can more easily buy and sell their shares in real estate assets, providing greater flexibility and control over their investment portfolio. 3. Transparency: Blockchain technology provides a tamper-proof and transparent record of ownership, enabling investors to trust the authenticity and accuracy of their asset-based NFTS. This can provide greater confidence and trust in real estate investment. 4. Diversification: Asset-based NFTs provide the opportunity to invest in a range of real estate assets, allowing investors to diversify their investment portfolio and manage risk more effectively. 5. Accessibilty: Assetbased NFTs can be bought and sold with smaller denominations, which can make real estate investment more accessible to a wider range of investors. This can enable more people to invest in real estate and benefit from potential returns. Overall, asset-based NFTS provide a new and innovative way to invest in real estate, offering greater flexibility, accessibility, and transparency. They have the potential to unlock new investment opportunities and provide a new avenue for real estate investment.1. Business Model The company is made up of an integrated ecosystem that, in essence, improves the property management industry and incorporates blockchain technology. The primary goal is to develop a brand-new, cutting-edge solution for the real estate industry and to utilize the property business to increase Its liquidity and sales and construction time efficiency. 4. Ownership NET Trading transaction between investor and property owner 2. Project management, data updating, and supervision 3. Trading platform, profit sharing calculation, redeemable process 4, Integrated Hybrid Marketplace & Property Management 1.1. Value Proposition This company's key value proposition is its integrated property management service, which includes: Property marketplace based on blockchain technology. Fractionalized NFT that mirroring with real property asset. Property Asset Management Dashboard. Project Development and Operation Supervision & Management. Project Legal & Permit Documentation, Audit, & Depository. Project Financing and Accounting System. Project Rebranding, Marketing, 8 Sales Initiatives. Construction Management, Supervision, & Turnkey. @NODRENE 1.2. Market Segmentation This proposition will be suitable for: Property Owner Property Investor Property End-user Property Broker & Agent NFT Trader & Investor gRone1.3. Channel Distribution There will be 2 main channel distributions: 1. Online Channel: a. Marketplace b. Website & social media c. External Exchanger 2. Offline Channel: a. Community Development b. Investor Roadshow c. Exhibition 1.4. Customer Relationship Property owners will receive specialized customer service as part of enhanced property management to achieve the greatest results. Gamification & staking mechanisms will be offered for the investor to provide the greatest retention program. Investors who want to convert digital assets into real estate assets will have access to NFT Redeem as well. These programs will be offered to uphold trust, reliability, and loyalty. 1.5. Revenue Generator There will be different types of revenue generator based on the nature of the transaction: Pre-Listing | Commitment payment required for system | One-time | Calculate based Fee entry and the completion of the due Payment | on the size of the diligence process project Technical | Payment to executing pre-operating One-time | Caloulate based Assistance | activities and setting up complete Payment | on the size of the Fee management team project System Payment for implementing an integrated | One-time | Calculate based Registration | property management system includes | Payment —_| on the size of the Fee sales, project management, legal project administration, and accounting. NETS Payment to administer real assets One-time | Caloulate based Metadata _| metadata, design NFT, Gas-fee calculation, | Payment —_| on the size of the and server usage. project Sales Fee | Payment that will be deducted fromthe | Recurring | Calculate based total sales on each transaction for sales on realization of cost including cost of reward. transaction Transaction | On-going payment that will deduct each | Recurring | Calculate based Fee transaction due to gas-‘fee payment and on realization of server usage. This payment will be paid transaction from the investor. Platform Fee_| Paid yearly by the investor who already __| Recurring _| Calculate by owned NFT for server usage fee and server usage additional features capacity divided by total user1.6. Key Partnership Seven key strategic partnerships will support the business as an integrated property management provider: Token provider Token Exchanger Property Appraisal & Auditor Property Operator & Contractor ‘Supporting system infrastructure provider Hedging Fund Provider/Turnkey Investor Government Nogsene 1.7. Key Sources These are the primary key sources to utilize in order to succeed in the process because this firm needs a robust and reliable network: Integrated Property Management System Blockchain System Property-based professional team Sales force & Community Bene 1.8. Key Activities To complete the entire process, there are five strategic activities: ‘System Development Community Development Property Operating Management NFT Sales NFT Redeem and Legal Process gaepe 1.9. Cost Structure Cost calculation is based on: 1. System Development Cost 2. Community Development Cost (Including Seles & Marketing) 3. Operating Cost (Variable Cost & Fixed Cost) 4. Cost for Rewards2. Integrated Products & Services 1. Investor exchanging FIAT and Token to cenabling transaction within the ‘matkotpace 2. Exchanger and marketplace establishing ppaiing currency to enabling investor flexibiity 3, Thete wil be specialized Utity Token that wll be used as a trading tool 4, Each NET will be well curated and ‘supervised by property management ‘and miroring with the exact property condition 2.1. Token A utility token called "NPL TOKEN" is currently being developed as a component of the ecosystem. This token’s value and user base are already beginning to grow. Only 8.000.000 NPL Tokens were minted, and it uses the Binance Protocol (BEP-20). Other tokens that might be implemented as utilities include ETH, BNB, BUSD, USDT, and other stable coins or tokens that fulfil the business model. Pairing2.2. Exchanger In blockchain, there are many exchangers that consist of 2 types: Decentralized Exchanger ("DEX") and Centralized Exchanger (“CEX"). The objective of listing NPL Token into CEX/DEX is to pair it with FIAT Currency and to invite broader online market for crypto trading. BID/ASK EXCHANGER 2.3. Marketplace Marketplace is the primary platform for facilitating investor-to-investor asset-based NFT trading activities. This market is designed to accommodate fractionalized NFT and has a dedicated dashboard for investors to track their ownership of NFT, including reward/profit and redeem processes. UsTING TRADING | REDEEM2.4. Property Management Since property management will take on a major position inside the company, this process will be the main focus of the business. The goal is to oversee the investor, operational, and asset onboarding processes. ona] — TO) |_| nearer [ verano | moNrToRNe upoarine fT3. Business Process Flowchart ae 1. The system willbe used by the property owner to input and exchange information about the property (including the progress), and there will be ongoing supervision and analysis to ensure the project will be completed as planned, including updating legal and permit papers and sales inflow and project use of fund. 2. To guarantee that all documents are correctly registered, managed, and administered, Internal Operation will collaborate with third parties such as property management, appraisal & auditor, trustee, and government institutions, 3. Data will be deployed in the marketplace in a form of NFT, each NFT will consist of exact real data based on the result of process in point 1 and point 2. 4. Investor will be able to purchase NFT via a fractional mechanism after NFTs are deployed and available, As a trading instrument, a special cryptocurrency token will be employed. 5. The rental end-user market is @ distinctive segment that will be closely related to property management. In essence, the system will keep track of any prospective inflows and outflows and the resulting net income, which will then be distributed proportionally among NFT owners.3.1. Asset On-boarding l= ] aan) sna Lm) am 5 @( Sera (mars 3) (Rearamemrmaona— Y) ot Sera ep Ung : 1. Property owner registering into the system and submit preliminary data, This is the process of the initial KYC 2. Intemal Operation along with Third Party validating the submitted data, Both will verity the data internally and through external source. 3. Third party will send the initial analysis, a summary to strengthen the internal team towards analyzing a specific project. 4, Internal team will communicate with property owner for every process to update the listing process. Internal team wil also present the analysis, along with the findings about the project. Once property owner understands and decided to move along, in-depth due diligence will be processed, and internal team will create more comprehensive analysis based on the provided data and project survey. 5. Internal team will be finalizing the process by presenting and negotiating the project findings together with the proposed strategy. Resulting both parties with signing of partnership agreement. 6. In the process of partnership, both property owner and intemal will conduct daily operation management that consist of full project supervision. And property owner will be obliged with submitting all updated documents. Third party supporting team will also collaborating to ensure al the process are monitored professionally. 7. The property owner will be required to provide ongoing updates on the progress of the project. As part of the agreement, the property owner will receive income, and the usage of the funds will be closely scrutinized to guarantee that every aspect of the project's completion properly reflects the current condition.3.2. Operational On-boarding ranean mer mat ea! >| (——ararnoroannenntsReat (8) (——rmemmaraes ——| C——errmr YX) 1. Once data is completely restored and validated, internal team will deploy NFT along with the metadata to the marketplace. 2. NETs are now available to be traded, every successful transaction will be updated and send it back to the internal team and to third party team. This process will continue to until NFTs are sold completely. 3, Intemal team will be updating every NFTS sold to the supporting team. Every income from the NFTs sold will be allocated proportionally to property owner. 4, Asa part of the service, both internal team and third party team will start to operate and supervise the project. Ensuring the property is developed as plan and generating income from the rental market. 5, Rental revenue will be managed by intemal team to calculate and distribute according to the portion of ownership from each property unit. 6. If there's a redeem request from the market, intemal team will re-validate the request and communicate with the requester to check updated information. 7. Once the request is clear, internal team will be collaborating with third party and property owner to start executing the request after all terms, conditions, and fequirements are met.3.3. Investor On-boarding = = _ as > |e —Y) O(a) (eee 1. There will be 2 options for the investor upon entering the system, whether they want to choose connect with KYC or without KYC. The benefits of KYC are: 1. Investor will be able to see the documentation of each owned NFTS, 2. Investor will be eligible to request redeem process. » Each database from the KYC later then will be restored by the intemal team. This process is to ensure security on the latter process. 2 Investor will be able to access investor dashboard and start trading NFTs. > Every change upon successful sales, Internal team will then update the data and distribute the income to the property owner according to the usage of fund. 2 Internal team will manageevery incomereceived from the rentalactivities and distribute it to the rightful NFTs owners proportionally. This income received to the NFTs owner will be in the form of NET Profit after Tax. ° Investors can monitor the accumulation of the profit as a staking reward. Investor can also withdraw the reward with certain simple terms & conditions. One of the most important requirements upon withdrawis that all investor must follow the KYC Process. 7. Once Investor holds 100% of ownership of a particular property, they are allowed to request NFT Redeem. This process allows investor to own, change title, and hold the property. However, once they redeemed the asset, the system will no longer manage the property and will be removed from the system. Internal team will validate and verify the request along with the existing data from the property owner. The redeem process consist of changing of title’s name ownership and there will be additional cost for tax and administration cost.