Turn your Cashback & Roundups into
Monthly Residual Income
Fractional membership in professionally-vetted, real estate-backed notes. Secure, automated, and built for your future.
Two things. That's it.
Everything MTX Direct does boils down to two core actions.
We Source the Cash Flows
Our platform identifies and acquires performing mortgage notes that meet strict criteria — vetted for LTV, borrower quality, and market potential. Each secured cash flow is organized into a Series, broken into accessible participation units anyone can join.
- Automated Power Notes sourcing & scoring
- Strict acquisition criteria (LTV, FICO, market)
- Organized into participation series
- Full transparency on each cash flow
We Call Capital As Notes Are Acquired
Every time you shop, small amounts — your cashback and round-ups — draw down your called commitment automatically. No lump sum. No manual transfers.
- Round up every purchase automatically
- Card-linked cashback from brands you already use
- Round-ups draw down called capital automatically
- Electronic Membership Units delivered on-chain
How it works
Three steps. Start today.
Reserve Your Spot
Browse available series and reserve your waitlist spot. Spots fill in pledge order and each series is capped — the earlier you join, the sooner your cash flow starts. Your money stays in your bank until capital is called.
Connect Your Bank & Card
Link your bank for round-ups and your card for cashback — choose one or both (both is recommended). Nothing moves until a capital call. Keep them active so your spot holds.
Your Spot Gets Called → You Earn
When a note is acquired, members are called in pledge order — your round-ups draw down your commitment and you receive Electronic Membership Units.
Micro-Investing vs. Note Scale Simulation
To see how small user inputs (round-ups and cash-back) scale up to purchase cash-flowing mortgage notes over time, you can test different user adoption and yield metrics below.
Micro Membership Units
Pledge Queue
first come → first served
Collective
Note Series
#0 served
Mortgage Note
Note Scalability Simulator
Visualize how micro-savings pool to acquire cash-flowing mortgage notes.
Total Monthly Capital
$30,000
Notes Bought / Year
7.2
How $100 Compares
Let's say you contribute $100 to a series with 7 secured cash flow notes averaging a 6–7% annual yield (based on the actual performing notes in our pipeline). Here's how that stacks up against popular "safe" options like Acorns or a savings account.
$100
Spread proportionally across 7 property-secured mortgage notes
MTX Direct (7 notes, 6–7% avg yield)
Annual Return
$7.00
7% yield
Monthly Cash Flow
$0.58/mo
5-Year Value (with reinvestment)
$140.26
Property-backed · Monthly cash flow · Principal secured by real estate
Acorns Conservative Portfolio
Annual Return
$4.00
4% yield
Monthly Cash Flow
$0.33/mo
5-Year Value (with reinvestment)
$121.67
Market-volatile · Can lose value · ETF/bond mix
High-Yield Savings (avg)
Annual Return
$4.50
4.5% yield
Monthly Cash Flow
$0.38/mo
5-Year Value (with reinvestment)
$124.62
No asset backing · Rates fluctuate · Bank-controlled
The Bottom Line
Your $100 in MTX Direct earns 1.75× more than Acorns' conservative portfolio and 1.5× more than a high-yield savings account — every single year. And unlike stocks or savings, every dollar is backed by real property with a recorded lien.
- Property-secured — your principal is collateralized by real estate, not market sentiment
- Monthly cash flow — income hits your wallet every month, not just at year-end
- No market volatility — note yields are contractual, not speculative
Projections are illustrative based on a 6–7% average annual yield across a 7-note series, reflecting the actual performing mortgage notes currently in our pipeline, and assume reinvestment of monthly distributions. Actual returns vary based on note performance, borrower payments, and market conditions. MTX Direct EMUs are platform participation interests, not securities. Past performance does not guarantee future results. Acorns and high-yield savings rates are approximate market averages for comparison purposes only.
Ready to start?
Spots fill in pledge order and each series is capped. Reserve yours now — your money stays in your bank until a note is acquired.
⏳ Waitlist is open. Early pledgers get called first.
Reserve My Spot