# Introduction
**Enabling people to invest in property development and real estate with the power of blockchain.**
What we believe:
We believe in a world where everyone has access to premium financial services, not only the privileged few.
Cryptocurrency is the means to achieve this and our mission is to combine the products and services necessary for the Crypto and real estate world to become the new mainstream. The future of Finance is distributed.
The power is in everyone’s hands. The Crypto economy is here.
# Abstract Introduction
Real estate has traditionally always been one of the biggest industries in the world. Exceeding Hundreds of trillion in locked value, globally. Real estate assets have always been a great way to store and create wealth. In fact, Real estate is such an important industry that it has acted as an anchor for economies. One of the reasons for this deep trust in real estate assets and their future is due to basic human needs, housing and shelter being one of humanity's crucial needs, in the past as in the future. The trust in real estate and its necessity for our economies has been reflected in land and property prices. According to U.S. Census Bureau and the International Monetary Fund, the sales prices of new homes consistently increased in value from the 1960s to 2007, before dipping during the financial crisis. Subsequently, sales prices resumed their ascent, even surpassing pre-crisis levels.
Real estate is one of the best ways to invest and creates long-lasting wealth. With your investment capital locked in the asset provides you with yearly yield in form of rental income and/or capital gains. Whilst investing in real estate is great and can offer a stream of rental income of up to 10-15% APY. There are aspects of real estate that can offer investors even higher profitability whilst working with similar principles as a rental investment. That is the industry of real estate construction where depending on the type of constriction and location, yearly profitability can reach up to %30.
**What are the difficulties that hinder retail investors from becoming a part of this profitability?**
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**1)**Lack of capital.
**2)** Lack of experience and industry know-how.
**3)**The tıme to locate a profitable investment.
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For an Indıvıdual to start real estate investments, they would require tens of thousands of ın capıtal. This requirement may vary depending on the local real estate markets and can go up to hundreds of thousand. While being sufficient to enter the market you have to keep in mind that the lower your ınvestment amount, the lower your return on investment. Whilst still profitable and a great investment you will be at the bottom of the real estate profitability pyramid.\
When considering entering the real estate construction industry. That is a completely different league of its own. Only for the capital requirement, you would require a minimum investment of a Million +, just to get a ‘very small’ company started. Again whiles highly profitable you are positioning yourself at bottom of the profitability pyramid, simply due to lack of capital, therefore, missing out on the big deals. So as you can see there are many hurdles to overcome to be a part of the profitability of real estate.
**So how to share this profitability?**
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The only way to change this structure is by getting the large construction companies on board. This is exactly what we have done with Intelly. With our 35 years of experience in the construction and real estate industry, and Billion worth of assets developed globally. We together with our partner have created a platform where ındıvıduals can invest as low as 50 dollars in large real estate assets and construction projects, all over the globe, ranging from residential to commercial up to infrastructure investment. We share this profitability with everyone with yearly Apy’s up to 30%.
**But who would benefit from such a structure? Let us divide these into groups 4 Groups.**
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**1)**For residents of Less and Least Developed Economies.
**2)**For residents of Advanced Economies
**3)**For residents of Economies that are suffering from high rates of inflation.
**4)**For Construction companies that are listing Assets/Projects with Intelly
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**1)For residents of Less and Least Developed Economies** Intelly with its low entry capital requirements and high APY offers developing nations such as India, Pakistan, brasıl, Nigeria, etc. a way to escape poverty.\
About two billion people have full rights to the property they live in and the land they farm, according to the director of the Lima-based Institute for Liberty and Democracy. For the 5.3 billion who do not have such rights, the implications are stark: people are unable to leverage their resources to create wealth, and their assets become “dead capital” which cannot be used to generate income or growth. As a result, the poor remain trapped by the “tragedy of the commons”, hurting individuals and broader economic development. Legally protected property rights are the key source of the developed world’s prosperity, and the lack thereof is the reason why many nations remain trapped in poverty.
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**2) For residents of Advanced Economie** Intelly with its low entry capital requirements and high APYs and Tokenization infrastructure offers developed nations the possibility to create global and liquid real estate portfolios. \
Particular real estate markets and particular industries might collapse due to many reasons from mismanagement to changes in government. The best way to explain is via an example let's say you're an EU citizen with $5.000 to invest. When ınvesting with ıntelly you can invest $50 in Dubai in a hotel, $200 in a solar energy plan in Germany $150 in a tool road construction project in North America, etc., Whilst this is a great way to create a global real estate portfolio spread across nations and also Industries this also provides the benefit of having distributed risk. In a scenario like the American housing market crash in 2008, your Investment portfolio would be affected mınımaly and your other ınvestment would make up for the loss.
**3) For residents of Economies that are suffering from high rates of inflation,** Intelly with its low entry capital requirements and high APY's offers an escape from inflation.
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**What is Inflation?** \
a sustained increase in the general level of prices for goods and services. In more lay terms, it means as time goes on and inflation goes up, your buying power becomes less and less with the same amount of money. Remember in the mid-90s when $1 million dollars seemed like you were ready to retire for life? Fast forward to 2019 and that same amount seems like it would barely suffice for a few years. Here’s an example. In 1995, what you could buy with $1,000 would now cost between $1,650 and $1,700. That’s a 65% cumulative rate of inflation over 24 years. Doesn’t sound too terrible. Let’s take a bigger item. If you were buying a house for $250,000 in 1995, in 2019 it would require $419,000 — or more. Keep in mind, this doesn’t consider any appreciation that the home has acquired. It solely takes into account the spending power and value of the dollar that has been changed due to inflation.
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The question becomes, how can you fight and even profit from inflation?\
The answer: real estate. First, let’s evaluate how you actually lose to inflation through traditional investments. For many people, we evaluate what we will need to retire based on their current lifestyle. If we’re making $100,000 a year, we might begin investing and set up our accounts based on what we deem will be comfortable. However, if you began a retirement account in 1989 with a $100,000 salary in mind, in 2019, you would actually need $209,910 due to the cumulative inflation rate of 109% over the past 30 years. Beyond that, the fees charged to manage many retirement accounts completely eat up the funds required to keep up with the inflation rate.
**4) Intelly offers big construction companies a steady stream of funding for their project and lets them focus on construction.**
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Sımply explained, they can launch 50 projects at once due to the cash flow offered by the Intelly platform but the main reason is that they fund and sell the asset by/to market at the same time, creating a profitable smooth process for them, Yes, they share the profitability with intelly investors but due to them being able to launch 3X more projects at the same time, therefore, realizing more net Profit. With Intelly, you can invest with other investors by creating a funding pool for the investment, therefore, leveraging your position and achieving higher APYs with the help of Intelly. Intelly archives this by fractionalizing the investment over the blockchain and tokenizing it via I-NFTs, these can then be purchased by investors on the ıntelly platform, who will be given fractional ownership of the Investment. The process is quite simple and doesn’t require costly real estate investment procedures, which makes the industry accessible to a wider range of investors.
Unlike other crypto assets, Intelly I-NFTs are not affected by crypto crashes due to them being backed up with real-world assets, Intelly’s I-NFTs are priced based on the value and profitability of the underlying real estate ınvestment. And the related tokens/smart contract provided/developed by Intelly Ltd. are all regulatory compliant and Intelly Ltd. is a visionary-industry leader company in terms of working with governments and regulators on this basis’.
# Content
* General Information
* Intelly Token Specifications
* Intelly Platform
* INTL Reserve
* Intelly Reward Program
* Intelly Airdrop
* Project IN
* Intelly Exchange
* Intelly Metaverse
* Intelly Credit
* Token Distribution
* Funding Allocation
* Roadmap
* Token Sale Stages
# General Information
**GENERAL INFORMATION**
This whitepaper describes the initial sale in which the INTELLY TOKEN (INTL) is sold. INTL is a crypto token that is designed to be used for all services provided by the INTELLY PLATFORM. INTL also can be used as a Crypto Token to pay for any other services provided by other business entities. Intelly will generally not limit the usage of INTL or the types of business entities that would like to use INTL for their business. INTL is not intended to constitute a security in any jurisdiction. This white paper is not a solicitation for investment and does not pertain in any way to an offering of securities in any jurisdiction. Please note that purchases of INTL are final and non-refundable. Individuals, businesses, and other organizations should carefully weigh the risks, costs, and benefits of acquiring INTL.
**LIMITATION OF THE PURCHASERS**
You are not eligible to and you shall not purchase INTL through its token sale if you are a citizen or resident (tax or otherwise) of any country or state where the purchase of INTL or similar Crypto Token may be prohibited or the token sale is deemed to be not compliant with the applicable laws and regulations.
Purchases of INTL should be undertaken only by individuals, entities, or companies that have significant experience with, and understanding of, the usage and intricacies of Crypto Tokens and blockchain based software systems. Purchasers should have functional understanding of storage and transmission mechanisms associated with other Crypto Tokens. Any entities of Intelly and officers and employees thereof will not be responsible in any way for loss of any Crypto Tokens, INTL or fiat currency resulting from actions taken by, or omissions of the purchasers. If you do not have the required experience or expertise, then you should not purchase INTL or participate in the sale of INTL. You should carefully consider the risks, costs, and any other demerits of acquiring INTL, and, if necessary, obtain your own independent advice in this regard. If you are not in the position to accept nor to understand the risks associated with the token sale of INTL (including the risks related to the non- development of INTELLY PLATFORM) or any other risks as indicated in this whitepaper, you should not acquire INTL, until such that you have received the necessary independent advice.
**RISKS**
The purchase of INTL carries with it significant risk. Prior to purchasing INTL, the purchaser should carefully consider the risks listed below and, to the extent necessary, consult a lawyer, accountant, and/or tax professional prior to determining whether to purchase INTL.
(a) INTL will be stored in a wallet, which can only be accessed with a password selected by the purchaser. If a purchaser of INTL does not maintain an accurate record of their password, this may lead to the loss of INTL. If your password protection is weak and it is cracked or learned by somebody else, this may also lead to the loss of INTL. As a result, purchasers must safely store their password in one or more backup locations that are well separated from the primary location.
(b) The purchaser recognizes that some of the services under the INTELLY PLATFORM is currently under development and may undergo significant changes before release. The purchaser acknowledges that any of its expectations regarding the form and functionality of the INTELLY PLATFORM may not be met for any number of reasons.
**REPRESENTATION AND WARRANTIES BY THE PURCHASERS**
By participating in the token sale of INTL, the purchasers represent and warrant to Intelly as follows:
(a) you are authorized and have full power to purchase INTL according to the laws that apply in your jurisdiction of domicile;
(b) you are solely responsible for determining whether the acquisition of INTL is appropriate for you;
(c) You are not acting as an agent on behalf of any other person or entity who wish to purchase INTL or participate in its token sale;
(d) You have carefully considered the risks, costs, and any other demerits of acquiring INTL and understood such the risks, costs, and any other demerits associated with INTL and its token sale;
(e) you are not acting for the purpose of speculative investment;
(f) you agree and acknowledge that INTL does not constitute securities in any form in your jurisdiction;
(g) you agree and acknowledge that this whitepaper does not constitute a prospectus or offer document of any sort and is not intended to constitute an offer of securities in your jurisdiction or a solicitation for investment in securities;
(h) you agree and acknowledge that no regulatory authority has examined or approved of the information set out in this whitepaper, no such action has been or will be taken under the laws, regulatory requirements or rules of any jurisdiction and the publication, distribution or dissemination of this whitepaper to you does not imply that the applicable laws, regulatory requirements or rules have been complied with;
(i) you agree and acknowledge that this whitepaper, the undertaking and/or the completion of the INTL token sale, or future trading of INTL on any cryptocurrency exchange, shall not be construed, interpreted or deemed by you as an indication of the merits of Intelly or INTL;
(j) the distribution or dissemination of this whitepaper, any part thereof or any copy thereof, or acceptance of the same by you, is not prohibited or restricted by the applicable laws, regulations or rules in your jurisdiction, and where any restrictions in relation to possession are applicable, you have observed and complied with all such restrictions at your own expense and without liability to Intelly;
(k) you agree and acknowledge that in the case where you wish to purchase any INTL, it is not to be construed, interpreted, classified or treated as: (i) any kind of currency other than cryptocurrency; (ii) debentures, stocks or shares issued by Intelly (iii) rights, options or derivatives in respect of such debentures, stocks or shares; (iv) rights under a contract for differences or under any other contract the purpose or pretended purpose of which is to secure a profit or avoid a loss; (v) units in a collective investment scheme; (vi) units in a business trust; (vii) derivatives of units in a business trust; or (viii) any other security or class of securities.
(l) you have a good understanding of the operation, functionality, usage, storage, transmission mechanisms and other material characteristics of cryptocurrencies, blockchain-based software systems, cryptocurrency wallets or other related token storage mechanisms, blockchain technology and smart contract technology; (m) you are fully aware and understand that in the case where you wish to purchase any INTL, there are risks associated with Intelly and its business and operations; (n) you agree and acknowledge that Intelly is not liable for any indirect, special, incidental, consequential or other losses of any kind, in tort, contract or otherwise (including but not limited to loss of revenue, income or profits, and loss of use or data), arising out of or in connection with any acceptance of or reliance on this whitepaper or any part thereof by you; (o) you will not use the token sale for any illegal activity, including but not limited to money laundering and the financing of terrorism; and (p) all of the above representations and warranties are true, complete, accurate and non-misleading from the time of your access to and/or acceptance of possession this whitepaper or such part thereof (as the case may be).
# Intelly Token (INTL) Specifications
**Token Name:**
Intelly
**Code:**
INTL
**Issuance Amount:**
1,000,000,000 INTL
**(burnable and not mintable) Network:**
Binance Smart Chain
**Maximum Token Offered:**
400,000,000 INTL
# Intelly Platform
**Invest in Real Estate with INTL**
The Intelly Platform lists many kinds of real estate investment opportunities, located in different areas around the globe with different estimated ROI, state (land, ongoing construction, residence, commercial property, etc.), and investment size. Ownership is represented by a Fractionalized-NFT.
Intelly has developed relationships with international real estate companies and developers. So that these companies will accept payments via INTL, The investment opportunities of these developers are listed on the Intelly Platform, enabling investors from all around the world to invest easily. This will bring more liquidity and Intelly Reward programe Airdrop income, subsequently increasing the INTL ecosystem's overall volume.
Investors are able to directly invest in the investment option they would like to participate in. The Intelly Platform enables several investment types. From participating in development projects to Real estate tokenization. There is no funding limit for Projects launched on the platform. In case the required amount couldn't be reached for a specific investment option, the amount raised will be delivered back to each investor in USD stable coin.
When the projected profit rate of a particular project/asset has been reached, Intelly will handle the profit realization and distribution of the realized profit to the investors in a USD based stable coin.
**Trade between two parties**
INTL will be the best option for making a real estate trade between two parties. Both the investor and the seller will stay on the safe side of a trade.
How is it working?
With the help of the smart contract infrastructure, both parties will be able to prepare an online agreement on this infrastructure and initiate it by deploying the contract. This process will control and start the token transfer as well. The investor's funds are safe until the asset acquisition is completed. And the seller/developer has full trust and clear understanding about when and how many tokens will be transferred to their wallet at what milestones. The minor INTL fee taken from this process is transferred directly to the INTL Reserve.
# INTL Reserve
The INTL Reserve has been created to keep the Intelly ecosystem healthy. It has been designed to grow and keep the INTL investment secure. From each INTL invested to the projects on the Intelly Platform, 1% amount of the transaction will be transferred to the Intelly Reserve. The percentage will decrease as investment volume on the Intelly Platform increases. This will lead to deflation of INTL.
The INTL Reserve will transfer any Intelly Airdrop income directly back to the Intelly Reward Program. This will lead to significant growth of the Intelly Reward Program, resulting in much better Airdrop income for INTL holders. The INTL Reserve will be used as a backup for any possible loss in a particular investment opportunity on the Intelly Platform.
# Intelly Reward Program
\*Formally known as the Wealth Fund
The Intelly Reward Program has been created to share profitability with INTL holders, which are not participating in any investment opportunity on the Intelly Platform. %3 of the revenue generated on the intelly platform is invested in the Intelly Reward Program. The funds will be re-invested by the Intelly Reward Program in real estate and financial investments all around the world. The Intelly Reward Program might participate in investment opportunities on the Intelly Platform.
Fund management reports will be published on the official website and media platforms. At any date, when the profit is realized, it will be distributed to the INTL holders directly in a USD-based stable coin. The profit distribution to the INTL holders is called Intelly Airdrop.
The Intelly Reward Program may also take part in INTL token buybacks, and the tokens that have been taken out of the market will be burned. This action will stimulate deflation.
After realizing the profit generated by the Intelly Reward Program, half of the net profit will be added to the fund itself. This will lead to exponential growth in the size of the fund, which will result in higher Airdrop income for the INTL holders. The remaining 50% of the net profit will be distributed between the INTL holders regarding their INTL share on the market.
# Intelly Reward Program Airdrops
Airdrops are funded by The Intelly Reward Program and are distributed to the INTL holders in a USD based stable coin. The amount is distributed to the INTL holders corresponding to their INTL amount. The Airdrop amount is half of the net profit generated by the Intelly Reward Program. A single INTL holder should hold at least 50 INTL in their wallet to be eligible for Intelly Airdrop.
Airdrops may take place automatically at any time without any announcements beforehand. Right after the Intelly platform release, the Intelly Reward Program will start its investments. Since the size of the fund will always increase, there will be more investments at a time. Therefore the realization dates will vary, and this will result in a rise of airdrop frequency. The kind of investments the fund is making will vary. Therefore, the estimated income dates will vary as well.
There is no cost or any upper limit to participate in the airdrop program. To be eligible for airdrops, simply holding the required minimum amount of tokens in the wallet is sufficient. No further action is required.
# Project IN
Project IN, refers to the initial investment project which is taking place on the main network before the platform release.
This way, our investors and people seeking our vision will understand how the Intelly ecosystem works and the concept will be proven.
# Intelly Exchange
After a project has been launched and completed on the Intelly Platform, the completed development is put into a holding company and is tokenized in Fractionalized-NFT’s (F- NFT). This can be any real estate investment that generates a profit. From a house to a skyscraper to even an Airport.
After the project selected for tokenization has been successfully launched and completed, the investor will receive a real estate F-NFT associated with the project. This F-NFT enables the investor to collect returns generated from the project while still being able to sell the tokens on the Exchange at a later date. The generated returns will be payout in a USD based stable coin.
Projects not launched on the Intelly Platform will also be able to be tokenized. These projects will be launched directly on the Intelly Exchange.
Fees on the Exchange will be collected in INTL. After deducting operating costs, it will be added to the INTL Reserve and Intelly Reward Program.
As Intelly, we will create a base for a vibrant and profitable tokenized real estate Exchange. This is a key component of our vision for the future of real estate investment.
# Intelly Metaverse
The Intelly Metaverse will generate the Intelly Real Estate Investor with new opportunities to collect rent, modify their Metaverse render and build a real estate dependent market.
The implementation will engulf NFT’s and 3D project renders and generate its own virtual world. This world will cover from open house events for the investors to holding meetings in your own office with your business associates in the Intelly Metaverse. Participants may choose to rent their NFT House in the Metaverse and hold the real-world asset for themselves.
Intelly Metaverse will be an economic and social system where participants may choose to buy or sell new furniture and pay an artist to paint his house with drawings on its ceiling. This socio-economic meta will help humanity to build its second playground.
# Intelly Credit
**A Future Look**
Intelly platform will build a real estate backed credit ecosystem and offer loans for people who choose to take a credit to make real estate investments on The Intelly Platform and present investment opportunities to the people who plans to invest in mortgage-backed securities. Loan offers will be examined face to face in Intelly Loan Offices based on the authenticity of the e-wallet holder, e-wallet history, deep background check, income, education level, citizenship, asset’s location, and country of affiliation. According to the scoring level, the credit taker will be presented with an interest. This will help the platform to build a Credit NFT which will be pooled according to the scoring level. These pools will then be fractionalized as A Pool Credit Securities, B Pool Credit Securities, C Pool Credit Securities, D Pool Credit Securities, and E Pool Credit Securities. These Security holders will earn the right to share the pool's total interest and principal payments. When a loan payment fails, Intelly will prioritize the sale of the asset in the associated marketplace. The Credit System will provide attractive entry points and up-to-mark potential for risk-adjusted returns. Investors will be able to make a combination of a reasonable yield in the base case.
# Token Distribution
# Funding Allocation
# Roadmap
**FEB 2021 - Concept**\
Concept generation and team assemble.
**MAY 2021 - Research**\
Market research & international relations.
**JUL 2021 - Token & Whitepaper**\
Token metrics planning & whitepaper design.
**SEP 2021 - Private Sale**\
Start of private sale.
**NOV 2021 - Media**\
Start of marketing campaigns and media works.
**DEC 2021 - Negotiations**\
Start of negotiations with developers and financial institutions.
**JAN 2022 - Funding**\
Token sale completion & start of Intelly platform development.
**FEB 2022 - Project IN**\
Start of Project IN Phase 1.
**MAR 2022 - NFT**\
NFT Dev start.
**MAY 2022 - NFT Integration**\
Start of Project IN Phase 2 & NFT integration to the system.
**JUN 2022 - Project Announcement**\
First real estate project announcement.
**JUL 2022 - Intelly Platform Release**\
Intelly platform dev. completion, first real estate project launch & Project IN completion.
**AUG 2022 - Intelly Reward Program**\
Establishing the Intelly Reward Program.
**SEP 2022 - Exchange Listing**\
INTL first exchange listing.
**DEC 2022 - Intelly Exchange**\
Intelly Exchange integration.
**JAN 2023 - Major Echange Listing**\
INTL token being listed on a major exchange.
**MAR 2023 - Metaverse**\
Intelly Metaverse development.
**AUG 2023 - Intelly Credit**\
Development of Intelly Credit system.
**MAY 2024 - Intelly Credit Integration**\
Integration of the Intelly Credit system.
# Token Sale Stages
* PRIVATE SALE: 15 Sep - 31 Oct 2021 **($0,49)**
* PRIVATE SALE: 1 Nov - 30 Nov 2021 **($0,61)**
* PRIVATE SALE: 1 Dec - 31 Dec 2021 **($0,76)**
* PUBLIC SALE: 1 Jan - 21 Jan 2022 **($0,95)**
