### Disruptive Improvement
Blockchain is by it's very nature, disruptive technology and has incredible potential to improve business and governance in every aspect of life where it is applied. Understandably, there has been a lot of hype and FUD written about Bitcoin and the Crypto world over the last six months, mostly by journalists who know very little about it, leading to much confusion as to what the underlying technology is and how it will actually improve everyone's lives in the very near future.

![blockchain.jpg](https://steemitimages.com/DQmReWw9s3NAzFeuAWTM4X5hDZ3mqjvbtxdxsgGdS1LDUqi/blockchain.jpg)


### The Year of the Token
2018 is not a year about speculation and accumulation so much as a fundamental change in the way we begin to frame and utilise this new and powerful technology. The *Crypto Sphere* is not going to *fizzle out*. It's the **Killer App** which the internet has been waiting for and like the meteoric rise of the *World Wide Web* in less than a generation, Blockchain technology will be a major engine of growth over the next one, increasing the life chances of many people across the globe with improved access to healthcare, education, banking for all, investment, infrastructure resourcing  and reliable asset management.


![iat logo page.jpg](https://steemitimages.com/DQmbiNqFvnwHYAp19TaBWJEt38HFqWZMVeti1ZjTpEVrriX/iat%20logo%20page.jpg)

### Compelling Use Cases for Blockchain
There are a certain class of industry sectors where the use case for this relatively new technology is compelling. It's perfect for recording the open transfer of ownership of any number of high value goods; commodities, *objets d'art*, precious metals, stocks, shares, bonds and property. These industries have already taken naturally to the technology for a host of obvious and immediate benefits including the ability to develop new and interdependent communities of shared expertise. 

![faberge egg 2.jpg](https://steemitimages.com/DQmPqTkVTGCJsSt7CwafEYW56d7GKnwDxsaiJQudY5A9NYR/faberge%20egg%202.jpg)
**objets d'art - Faberge Egg** [source](https://www.artsy.net/article/artsy-editorial-history-faberge-egg)

### Ecosystem
The development of whole new ecosystems have begun to emerge from flexible systems such as Ethereum, providing tokenised solutions for more than the watertight transfer of *ownership of things* from one individual to another. Transactional economies with high fees attached, relying heavily on commissioned intermediaries, sales agents and proof of ownership at their core (often with very long paper trails), are particularly able to benefit immediately from a plethora of blockchain benefits and where integrated in a web based portal, become open to global communities, producing dynamic new approaches to how business is conducted in various business sectors. Disruptive. Yes, in the best possible way. This large scale disruption is wholly facilitated by the innovative consensus of distributed ledger technology, combined with the most pioneering thinking around a subject. It's what humans do best.. Solve Problems.

![Marine_ecosystem.jpg](https://steemitimages.com/DQmVbntt2vYUfL9y9NQBVKseNGthNWGfkWDDzLTqbVWRbTe/Marine_ecosystem.jpg)
**Marine Ecosystem** [source](https://wiki.seg.org/wiki/Marine_ecosystem)


### Resource Management
Any resource management requires much patience and plentiful organisational resources. This is an area in which Blockchain can prove it's worth as an efficient, cost saving, immutable and reliable technology which saves everyone time, errors and money. Time being the one thing which you cannot actually buy, only save. Who doesn't need a bit more time in their life ? 

### Security
Because the basis of blockchains are encrypted and decentralised networks, it's technology that can mitigate very strongly against fraud, money laundering and the hacking of systems by criminals, which is a considerable advantage to any large organisation with high value business who rely on their client's trust as central to a business offering.

![cyber-security.png](https://steemitimages.com/DQmZZPm4McofLtRpSPae2jAQVbFeiowBVph77xzeLFL3X1j/cyber-security.png)
[source](https://www.your-itdepartment.co.uk/news/common-security-threats/)

### Property management 
Ownership transfer from one individual (or business) to another, is fraught with long drawn out processes, duplication of paperwork, often involving and relying on specialist lawyers and agents, with the onus on the individual to provide legally required documentation, with often high costs, fees and surcharges involved.


### Smooth & Efficient
This also applies to property management in the rental market, where many businesses rent office space on a flexible cost basis as they expand, open branches or move to more competitive locations. *Smart contracts* can automate many human (and error prone) processes in these chains of activity, which can ordinarily and be routinely delayed because of staff vacations, sick days and backlogs of paperwork. Doing nothing or waiting for approval eat up lots of costly time. Time, which you as a landlord or tenant are both paying for. Smart Contracts rely on nobody to fulfil. They operate with a near zero time delay. 

![Paperwork.jpg](https://steemitimages.com/DQmbhc3wBBSDNEvDaygPz6N8NRuxmpcrYUy8oxvXxJNxyY6/Paperwork.jpg)
[source](https://www.hungryshredder.co.uk/wp-content/uploads/2017/10/Paperwork.jpg)

Because they are trustless, smart contract transactions don't require arbitration. One day *smart legislature* may replace lawyers and perhaps AI accountancy services will replace routine book keeping. Smart Contract enabled Blockchain is the perfect accountant. 


Imagine an ecosystem where the native token of the blockchain is used to facilitate the secure and pain free payment of services from inventories and deposits to renovations, property improvements, furnishings, regular rental payments, even legal advice services or door to door laundry service with significant discounts offered to all users of the ecosystem. Where everything runs smoothly and efficiently with the lowest costs possible and the most secure accountability. (That's future now.) 

![ikea-of-sweden_rectangle.jpg](https://steemitimages.com/DQmRuXruaUg3bhopvBdMzm3JM2i4fjKmYGa6JxpXW188F9s/ikea-of-sweden_rectangle.jpg)
*furnishings by IKEA*

### Instant Assets and the AI Token
Instant Assets aims to do just that and a lot more. Primarily aimed at the burgeoning property market in the Philippines, (which if you aren't familiar with), is a South East Asian country in the Western Pacific, comprised of over 7,000 islands and a population of 103m people, it will leverage the digitisation of property to tear down the barriers to property investment for the masses. By using smart contracts, transaction terms for buying or renting property will be pre-agreed and become immutable and actionable only on completion. It adds a layer of safety, fairness and integrity to a market fraught with inherent risks. They have identified and carefully planned how to maximise the benefits blockchain offers in a game changing, highly disruptive and well thought out plan. 

![825px-Labelled_map_of_the_Philippines_-_Provinces_and_Regions.png](https://steemitimages.com/DQmZVGFnWPka1foDqaffKyHZQycMAcb17MCtHekMhkLfJa6/825px-Labelled_map_of_the_Philippines_-_Provinces_and_Regions.png)
[source wiki & for more information about The Philippines](https://en.wikipedia.org/wiki/Philippines)

## Attractive Investment Location
Gross property yield in the Philippines are the highest in all of Asia and is one of the most attractive investment location for foreign investors. Office space yielded 7.7% in 2017, compared to 3-5% across Asia. (according to property management consultants and research agency, Colliers International.) This growth is fueled by a continuous expansion of IT & Business process outsourcing in the Philippines. Infrastructure plans by the administration to ensure optimum growth is met are in place and a continued, steady rise in output in the economy is forecast to continue in the near to mid term. [tradingeconomics.com](https://tradingeconomics.com/philippines/gdp-growth) 

![007_GREEN_SHELLS_-_BIRD'S-EYE_VIEW.jpg](https://steemitimages.com/DQmYfG3k8q4GWmC3gjSbqGBbdutU9p6mZk687qMfdah26Aa/007_GREEN_SHELLS_-_BIRD'S-EYE_VIEW.jpg)
*Vincent Callebaut Envisions Shell-Inspired Eco-Tourism Resort in The Philippines* 
[source](https://www.archdaily.com/country/philippines)

### An Expensive Business 
Similar to many other countries, buying and selling a property in the Philippines attracts a slew of transactional costs; regulatory fees & agents commissions can amount to between 17 - 24% of a property sale's price. For buyers, sales tax of 12% for properties of a certain value add to the overall costs, often making affordable dwellings less so. These are hefty premiums and makes buying or selling a property an expensive and exclusive activity. A simple proposition of this well organised and tightly road mapped Blockchain project, as a primary goal is to *reduce transactional fees drastically*.  Round of applause, Blockchain Revolution right there.  By reducing fees to nominal, (which is unprecedented) everyone benefits and the market is roundly supported, growth encouraged. it also makes IAT a very competitive business propostion and an attractive investment.

### A Bold Proposition
IA's proposal is bold and ambitious but it is also based soundly in reason with the capital raised from their ICO used to purchase an expansive property portfolio and digitise these assets into legal holding structures. A combination of residential and business premises will be secured. This gives the token a firm backing as a store of value for the ecosystem. Attractive for even small investors in my opinion. The real estate will represent the initial assets which can be transacted on the blockchain. It will be managed by an existing (and profitable) property management company, further adding to the proposition's credibility. Purchases of property in the portfolio using the IA token will benefit from discounted prices. This also provides further impetus to make the token an attractive tradeable asset.

![Utilities and benefits.jpg](https://steemitimages.com/DQmRZMFyCbVDakkMiwNScVuC2gb4wm3heatWTSB7ERfLAcg/Utilities%20and%20benefits.jpg)

### Building Trust 
A familiar aspect of new blockchain ecosystems and a valuable asset to any community is trust and this can be achieved by rateable partners. The system will encourage participants; agents, brokers, landlords and tenants to rate each other in the spirit of transparency and to encourage by default, ethical practices. Use of the token will be encouraged by providing discounts for asset management fees and rental reduction, so not only will the token be used to lower fees for sellers and purchasers but also for renters and landlords of properties. It's got a distinct **Win3** aspect to it. *I win, you win, they win* and it's becoming a familiar story with Blockchain projects. It's a natural quantum evolution of *Win-Win: a mutually benefiting arrangement* which has an added dimension, making it irresistible. Why ? Because it's fair, ethical, accountable and reliable. Everybody benefits from lower costs by being part of the 'community'. Qualities which sum up the very definition of the word, "community." 

![iat uses.jpg](https://steemitimages.com/DQmRAivN4cjVDzDN7DcbF76CNiE2uWFJFaPk8y3viAiuVbo/iat%20uses.jpg)

### Airbnb
Instant Assets aims to disrupt the leisure rental market with it's innovative vision, so part of the web portal will directly challenge companies like *Airbnb* with a blockchain version of a similar offering, enabling much lower fees. A 5% flat fee for rental commission will be standard, much lower than the 15% - 20% charged by established businesses. That's Blockchain disruption in it's most simple and elegant form. It enables landlords to offer more competitive rental rates so everyone benefits, except perhaps competitors, who inadvertently may have to examine their own business model or be outmoded in quick succession.

![Airbnb-Branding-in-Asia.jpg](https://steemitimages.com/DQmbfugR7EEb86ncGzfhMEUw2yjPhRd9oYb7WWDyDdJ17XV/Airbnb-Branding-in-Asia.jpg)

### Bricks & Mortar
The big property portals will also be challenged. Realising that there's a new wealth created by crypto markets, real estate companies have already begun to accept crypto for property. Instant Assets will aim part of the portal at the long term lease and sales market, figuring that crypto investors may soon begin diversifying their gains into property. Bricks and Mortar is a solid investment with much less volatility than cryptocurrencies. It can also provide a passive income. It's a no brainer.  

![crypto is money.jpg](https://steemitimages.com/DQmVzthaaka2DM8KdwZBtDnYNa8dtCvzhJXDCf77zJ3s4eW/crypto%20is%20money.jpg)

### AirDrops
Airdrops have become a familiar and effective way to seed tokens in new ecosystems. It gives a system an initial boost of motivation to explore the functions of the community and instant liquidity, encouraging others to get involved. IA will use an initial airdrop to onboard the first *1,000 community members*; brokers, agents, landlords and tenants who will all be eligible to use their tokens for discounted services. This also seeds the environment with a user community who can begin to build the backbone of the community, help refine the system in it's initial configuration and begin to develop trusted partnerships as they rate each other's performance in transactions.     

![airdrop1000.jpg](https://steemitimages.com/DQmWyx7E9fVrdttm5vwCAB5tQZgcDXP84pRPvrxGUAb4vN5/airdrop1000.jpg)

### The Tokens 
IAT The Instant Access Token is an ERC20 token distributed on the Ethereum Blockchain and will be initially distributed via an Initial Coin Offering or ICO. Capital raised will purchase a real estate portfolio. Assets will be managed by the existing and operational management company. Realty Beacon Philippines Inc  (RBPI). The company's founders have already handled over 1 billion pesos ($20m) worth of properties in the last five years. In comparison to many ICO's which have recently raised double figure millions of $dollars with no proven track record or a workable product, IA is an example of an existing and proven company utilising the power of Blockchain to expand, grow and future proof it's already profitable business, bringing the inevitable benefits of the technology to an existing business community.

![token allocations.jpg](https://steemitimages.com/DQmYRwyLfwvsv7o1NgVprWMKPKye4psGFnnHehLrExDYZ4s/token%20allocations.jpg)

### NIAT
Native Instant Access Tokens will be a local equivalent to the IA token for each real estate regional market. Each country will have it's own NIAT pegged to their own local currency. NIAT will only be available by purchasing IA tokens. This limits exposure to cryptocurrency market volatility. it's a novel and clever solution to global market challenges and one that really sets it apart.  This is Blockchain. Decentralised global networks require new thinking to accommodate the limits and effectively overcome the obstacles and barriers of the existing *real world*. 

### The Team
The team is passionate about Blockchain. The Board is led by CEO *Raymond Lim*, a business coach with more than 20 years experience in business consulting, sales and marketing and founder of RBPI  (who is also of a crypto expert & founder of Digitokens Inc), the team is a real working team with a solid structure and track record in the property business which they have already been running for five years. *Brian Chiew* is a property investor and former corporate banker with *Standard Chartered* who has invested in property across the globe. He also has a true passion for Blockchain. *Jovelle de Guzman* their Marketing Director is a former property consultant in real estate investment and marketing events executive. 



![team.jpg](https://steemitimages.com/DQmYJSTRhaWZBwNzdtLzrsY5kY93FmEzRWgJMB7VxXETdPj/team.jpg)

### Advisors
An international team of advisors includes *Reuben Godfrey, Maury G & Malcolm Tan* with many years of experience between them, helping steer businesses and blockchain startups through roadmap planning and ICO's into successful working phase projects. 

![advisors.jpg](https://steemitimages.com/DQmdomg41zjVp8BHwjAL15XhcWDYgSwMKGwrqwfwUjRfsRK/advisors.jpg)

### RoadMap
A good indicator for the provenance of any business, project blockchain or otherwise, is the length, detail and realistic objectives of the roadmap. [iatokens.com](www.iatokens.com) leads up to Q3 2021 and expansion into a third business territory, which suggests they have a well developed, ambitious and carefully thought out plan.

![roadmap.jpg](https://steemitimages.com/DQmPqG2W5JjBrWbRUo9KTMkRyHxCUSPMcGpR1ai93Q3xXQ3/roadmap.jpg)

 *As a business mentor I always tell my mentees - "You need a Roadmap, it's your path to the future... and you'd never go into unknown territory without a map would you ?"*


### For More Information
about iatokens.com, to explore their detailed *ROADMAP* and read the whitepaper 

 

[website](https://www.iatokens.com/)

[whitepaper](http://www.iatokens.com/whitepaper/)

[twitter](https://twitter.com/ia_tokens?lang=en)

[medium](https://medium.com/@IATokens)

[linkedin](https://www.linkedin.com/company/instant-assets-tokens/)


*disclaimer - this article is not an endorsement of [iatokens.com](iatokens.com) I recommend all potential investors to conduct their own research and due diligence and not rely solely on the advice of others. Remember investments can go up as well as down.*