During the real estate crisis, OPSAP makes rental investment accessible through blockchain technology.

The company OPCAP aims to make investing in rental real estate accessible to everyone. Using the Polygon blockchain, the startup allows anyone interested to invest in real estate in France with just 100 euros. The results of a study conducted by Virgil earlier this month are alarming: to buy a 40-square-meter apartment in Paris, one needs to earn 114,000 euros a year, or 56,000 euros for a two-room apartment in Lyon (+49% over 9 years). With rising prices and rates (the depreciation rate is 5.55% as of October 1, 2023), individuals are often forced to reconsider their plans.

To address this situation, the company OPCAP decided to take action by providing everyone access to rental investment with a minimum amount of 100 euros. To achieve this, Stéphane Brousse and his team combined the best of both worlds - real estate and new technologies - to create a platform that allows individuals to acquire a share in real estate. The first property, located in Villeurbanne (69), is offered for 309,700 euros on the OPCAP website. Thanks to blockchain technology, this amount has been divided into tokens worth 100 euros each. Individuals can invest a minimum of 100 euros in this project, which reportedly has a net income of 5.5% per year.

Currently, the bonds issued by OPCAP have a maturity period of 10 years, which corresponds to the standard investment horizon for real estate. However, OPCAP plans to provide its participants with the opportunity to sell their tokens before this maturity date through a secondary market on the platform. With a declared yield of 5.5%, it is guaranteed throughout the investment period. Upon resale of the asset after the maturity date, any potential profit will be shared with investors. OPCAP aimed to simplify the investment process to the end: income is taxed at the source, so everyone will receive a payment to their wallet that will be "tax-free".

The company takes care of remitting the tax to the tax administration directly (30% tax, including 12.8% income tax and 17.2% social contributions). Exemption is granted to those whose tax income for the previous year was less than 25,000 euros for a single person, which entitles them to an exemption from the mandatory 12.8% indefinite provisional tax.

It is important to remember that any investments carry risks and can result in both profits and losses. Before starting to invest, investors should consider their financial situation and consult with their financial advisors to understand the risks before beginning to invest. Past performance does not guarantee future results, and no statements are made regarding future outcomes.