Buying a Property

Buying a property on Fabrica is straightforward. Browse available listings, evaluate properties using the provided data and Property checks, and complete your purchase using your preferred payment method.

Finding Properties

Browse properties at fabrica.land. Each listing includes:

• Property Details: Location, size, legal description, and parcel information
• Property checks: What each check tests and whether it passed, a starting point for your own research, not a title search or title insurance
• Valuation Data: Third-party estimates and assessed values
• Documents: Recorded deeds and trust documents attached to the token
• Maps and Media: Satellite imagery, parcel boundaries, and photos

The homepage is a map of US land with the properties for sale listed beside it: pan or zoom and the list follows the map, filter by state, and sort by price or acreage; on a phone the properties for sale come first. Every state, county and place has its own page (for example fabrica.land/us/arizona or fabrica.land/us/arizona/coconino-county) that opens the marketplace on that area, and a property's county and state link to those pages. Property cards show how many active offers a property has. On a property page, the map can be expanded and its flyover played or paused.

On a property page, one Marketplace card carries the decision: whether the property is for sale, the asking price, the estimated value with the sources behind it (see Property Valuation), and the Buy now and Send offer actions. When a listed property cannot be bought at the moment, the card says that buying is paused and why (for example, the asking price does not cover the seller's loan payoff), and offers a way to message the owner. When the property backs a loan from the DeFi lending pool, the card says so and that the sale pays the loan off at closing, so the buyer never takes it over. A Records card shows the legal description, the deed into the trust, the trust and its agreement, and the token, and the property's history is told as a short account of what the land has been through on Fabrica: listings, sales, transfers, and each loan from start to finish.

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Evaluating a Property

Before purchasing, review:

Property checks give a quick summary, but reviewing the underlying data helps you make an informed decision.

Duplicate claim warnings

When more than one token references the same county parcel (the same assessor parcel number and holding entity), Fabrica surfaces a duplicate claim warning so buyers are not misled. Because a single deed can belong to only one owner, at most one of those tokens represents the real property. The warning appears on the property page, as a ribbon on the property's marketplace card, on the map, and again in the purchase flow. If you see it, confirm the deed and current ownership before buying, since purchasing a duplicate may leave you without the underlying property.

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Payment Options

Checkout runs on Fabrica's own payment screens. You choose how to pay, and each option shows its processing fee and the date by which the property becomes yours before you choose; totals include processing fees.

Bank, card and wire payments are processed by Coinflow, Fabrica's payment provider, which is named on the screen. Fabrica turns each of these options on per network; an option that is switched off or paused is not offered, and the checkout says so (for example, that bank payments are paused and account funds still work). Each option has its own limit, and an option that cannot take the amount says so.

Identity verification. Bank transfers and wires always need identity verification, and card payments above a threshold do too; account funds never do. Verification happens once: your name, home address, date of birth and the last four digits of your Social Security number are checked by the payment provider (occasionally with a photo of your ID and a selfie), and Fabrica keeps only whether you are verified. The same verification covers cashing out. Linked banks and cards and your verification status are managed from the Payment methods section of your profile.

All prices are displayed in USD. Payments are processed and settled in stablecoins. Buyers paying directly from their own crypto wallet pay the Ethereum network fee for the purchase transaction; bank and card buyers never touch it.

While a bank payment clears. The token stays with the seller until the bank clears the payment: the property page and its cards show "Sale pending" for the whole time, the expected date is shown, and you are emailed when ownership moves. If the property is sold to someone else before your bank payment clears, the app tells you that your payment is being returned to your bank. A card payment completes the purchase shortly after it goes through. A declined or returned payment is explained in plain words with what to do next, and nothing is charged for a declined card.

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Making an Offer

If a property isn't listed for sale, or if you want to negotiate:

1. Submit an Offer: Specify your offer amount and expiration
2. Owner Reviews: The property owner sees your offer on their dashboard, with the marketplace fee and the amount they would receive (marked as estimates until the fee is final)
3. Acceptance: If accepted, the sale completes onchain and the seller's dialog finishes as soon as the sale transaction is mined
4. Expiration: Unaccepted offers expire automatically

You can submit offers on any property, whether or not it's actively listed for sale. An owner whose property is still being set up can accept an offer only once setup is complete.

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Buy with Financing

Financing a purchase by paying only a down payment, while a loan covers the rest and initiates automatically at the sale, was offered through the former NFTfi integration (now shut down) and depended on lenders having active offers. It is not currently offered in-app; for external venues see Peer-to-Peer Lending.

Today, the supported route is to acquire a property and then borrow against it through the pool-based lending integration (Pool-Based Lending), which provides instant liquidity against the token you hold. See Lending for the current options.

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Completing the Purchase

When you buy a property:

1. Transaction Executes: Payment and token transfer happen atomically onchain (for a bank-funded purchase, once the payment clears)
2. Token Received: The property token appears in your Fabrica account
3. Ownership Transfers: You become the beneficial owner of the trust and property
4. County Notification: Where required by the local jurisdiction, Fabrica assists with notifications

Right after a purchase, listing or removing the property is held for a moment until Fabrica's records show you as the owner. If you own properties through several linked accounts, a property page tells you which of your accounts owns it and offers to switch.

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After Purchase

As the new owner, you have full property rights:

• Use the Property: Access, develop, or enjoy as permitted by local regulations
• Sell or Transfer: List for sale or transfer to another account
• Borrow Against It: Use as collateral for lending
• Remove a Property: Convert back to traditional title ownership by removing the property

You also inherit property obligations including taxes and compliance. See Property Obligations for details.

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Buying on External Marketplaces

Properties can also be purchased on OpenSea and other ERC-1155 compatible marketplaces. When buying externally:

• You'll need a compatible wallet with sufficient funds
• Property context and Property checks may not be displayed
• Financing options are not available
• Transaction fees vary by marketplace

The token functions identically regardless of where you purchase it.

Representing a buyer? See For Real Estate Professionals.

Step-by-step help: What's the process for purchasing a property on Fabrica?