Six steps from your
morning coffee to secured cash flows.
No lump sums. No landlord hassles. Just your everyday spending, automatically redirected into property-backed cash flows.
Your card swipe → earns cashback → becomes real estate mortgage cash flow. Monthly.
Reserve Your Waitlist Spot
Browse our curated portfolio of automatically vetted, property-backed secured cash flows. Each deal is a performing mortgage note — real debt backed by real property — organized into accessible participation series. Spots fill in pledge order and each series is capped, so the earlier you reserve, the sooner your cash flow starts.
- Performing 1st-lien mortgage notes — property-secured
- Automatically scored for LTV, borrower quality & market conditions
- Organized into participation series — spots are limited per series
- Pledges are fulfilled in order — early members get called first
Connect Your Funding Sources
Link your bank account via Stripe Financial Connections and your credit or debit card via Fidel. We track your spending round-ups and automatically capture card-linked cashback from brands you already shop — all directed to your chosen series.
- Bank-linked round-ups (nearest $1, $5, or fixed %)
- Card-linked cashback from participating brands
- No receipts to scan — cashback is automatic
- Optional: set a monthly auto-invest amount
Your Commitment Stays Liquid
You reserve your spot with a commitment amount to the series — but your money stays in your own bank account until capital is called. No funds are pooled or held waiting for a fundraising goal. Your round-ups and cashback rewards accumulate toward your commitment, but uncalled money never leaves your account. You're not handing money to an outsider — you're pledging to build equity in your own company, on your own terms. Keep your funding source active, though: if it's not ready when your spot is called, your place passes to the next member.
- Your commitment stays in YOUR bank account until a capital call is issued
- No pooled escrow waiting for a fundraising threshold to be met
- Round-ups and cashback draw down your called amount — never more than needed
- Uncalled money is never held by MTX — zero risk of stranded funds
- Keep your funding source active so your waitlist spot holds
Capital Called → Note Acquired
When MTX identifies a performing mortgage note that passes the series' minimum yield gate, a capital call is issued. Your round-ups and cashback rewards draw down your called amount automatically — only what's needed for that specific acquisition. The called capital wires directly to acquire that note, secured by its own real estate. Each note must meet the series yield gate before any capital is deployed.
- Capital is only called when a specific note is ready to be acquired — never pooled waiting
- Each note must clear the series minimum yield gate before capital is deployed
- Called capital wires directly to the note acquisition — traceable, transparent
- Title search and title insurance on every acquisition to protect your position
You Receive Electronic Membership Units
Once the property is acquired and your KYC is approved, your participation is recorded on-chain. You receive Electronic Membership Units (EMUs) on the Polygon network, proportional to your total contribution.
- EMUs issued to your custodial wallet
- Proportional to your EMUs
- On-chain record via Polygon blockchain
Earn Monthly Cash Flow & Watch It Grow
Once the note is acquired, monthly borrower payments flow back to EMU holders, proportional to their holdings. Hold for long-term passive income, or redeem through the platform when you need liquidity.
- Monthly income distributions to EMU holders
- 8–12% projected annual yield
- Redeemable through the platform when you need liquidity
- No property management — we handle the servicing
Who is MTX Direct for?
Built for everyday Americans who want property-backed income without needing $50,000 and a financial advisor.
The Everyday Spender
You spend money every day. Round-ups mean you're investing with every swipe — automatically.
The Cashback Earner
You already earn cashback on your credit card. Now those rewards automatically fund secured cash flows.
The Long-Term Builder
You don't want to manage properties, but you want property-backed income in your portfolio. This is that.
Frequently Asked Questions
Ready to join?
Connect your bank, choose a secured cash flow, and start building wealth with your everyday spending.
⏳ Spots fill in pledge order — reserve yours early so you're near the front of the line.