Conflicts and Affiliations Disclosure

Version 1.0 - Last Updated May 1, 2026

This page describes Fabrica's roles in connection with the lending pools accessible through fabrica.land, the relationships and economic interests that may give rise to conflicts, and the limits of Fabrica's involvement. It is a companion to our Terms of Service and Privacy Policy.

Summary

Fabrica operates a website that lets you interact with autonomous lending pools deployed on public blockchains. Fabrica is paid by property owners, not by depositors. Fabrica does not control the pool contracts, does not select borrowers, and does not guarantee returns.

This summary is provided for clarity and is not legally binding. Please read each section in full.

Fabrica's Roles

Fabrica may act in any of the following capacities. Each is independent of the others.

Tokenization service. Fabrica operates the smart contracts and the legal trust framework that property owners use to wrap their property as a digital token. Property owners pay Fabrica a one-time fee at the time of tokenization. Property owners are the legal Grantors of the trust; Fabrica is not a party to the trust.
Valuation oracle publisher. Fabrica publishes signed reference values (the "Fabrica Price Oracle") and provenance signals for tokens. The oracle is a published data feed comparable to a property valuation index. It is paid for by token holders as an annual subscription. The oracle is consumable by anyone, including third-party lending protocols, with no fee or permission from Fabrica.
Interface operator. Fabrica operates the fabrica.land website, including the lending interface at fabrica.land/pools. The interface lets users connect to autonomous lending pool smart contracts. Fabrica is not the operator of the pool contracts and does not custody user funds.
Possible depositor. Fabrica may, from time to time, deposit its own treasury funds into the same pools that the interface surfaces. When Fabrica deposits, it does so as one depositor among many, on the same terms as any other depositor.

Fabrica is not a broker-dealer, an investment adviser, a fund manager, or a lender. Fabrica does not match borrowers to lenders, does not approve or underwrite loans, and does not take fees from any pool.

What Fabrica Does Not Control

The lending pools surfaced through this interface are autonomous smart contracts. Fabrica does not control them.

Pool contracts. The lending pools are smart contracts deployed on public blockchains. Once a pool is deployed with renounced ownership, no party (including Fabrica) can modify its parameters, freeze deposits, or alter how loans are originated, repaid, or liquidated. Pool behaviour is determined entirely by the contract code.
Pool deployment. Fabrica may deploy pools that point to its oracle. Other parties may also deploy pools that consume the same oracle. The interface is configured to surface a specific set of pools via environment configuration; surfacing a pool is not an endorsement of its parameters.
Borrower selection and loan terms. Borrowers self-select. The pool's contract sizes loans according to its immutable parameters and the oracle's published reference price. Fabrica does not approve specific loans, set borrower-specific terms, or select borrowers.
Liquidations. When a borrower defaults (and any pool grace period has passed), the pool's collateral can be auctioned through an autonomous auction contract. Anyone can trigger the start of an auction; this is a permissionless contract call. In practice Fabrica typically triggers it for pools surfaced in the interface, and may automate the trigger, but Fabrica has no duty to do so and any other party can do it instead. The auction itself runs autonomously and Fabrica does not control its outcome.
Returns and yield. Returns to depositors come from borrower repayment behaviour, market conditions, and pool dynamics. Returns are variable and not guaranteed. Fabrica makes no representation about the returns any depositor will receive.

Economic Interests and Possible Conflicts

Fabrica's revenue comes from the property side, not the depositor side. Fabrica may also deposit into the pools using its own treasury.

Tokenization fees. Property owners pay Fabrica a one-time fee when a property is tokenized.
Annual oracle subscription. Token holders pay Fabrica an annual fee for ongoing publication of the price oracle and provenance signals for their property.
Per-loan service fees. Borrowers may pay a flat per-loan fee to Fabrica at origination, comparable to a traditional appraisal fee. The fee does not vary with loan size or pool yield.
Interface fees. Fabrica may charge flat, route-agnostic fees for use of the interface. Interface fees do not vary by pool, by route, or by counterparty, and Fabrica does not take a share of any depositor's yield.
Treasury participation. Fabrica may deposit its own treasury funds into pools. When it does, it earns variable returns on the same terms as any other depositor.

Fabrica does not earn fees from the pools, does not take a share of borrower interest paid into pools, and does not earn performance-based compensation from depositor returns.

The combination of these roles creates the following potential conflicts:

Because Fabrica publishes the oracle and operates the interface, the same entity that supplies the price signal also surfaces the pools that consume it. Fabrica mitigates this by publishing the oracle as open data and by accepting that any third party may publish a competing oracle or build an alternative interface to the same pools.
Because Fabrica may deposit using its own treasury, Fabrica's interests as a depositor may align or diverge with the interests of other depositors over time. Fabrica's deposits are subject to the same pool terms as any other depositor's; Fabrica has no preferential terms.

Independence of the Interface

The lending pools can be accessed through any compatible interface, including direct interaction with the smart contracts. fabrica.land is one of multiple ways to interact.

The interface at fabrica.land/pools is provided for convenience. The same lending pool contracts can be accessed through:

A blockchain explorer (for example, Etherscan)
Any third-party interface or aggregator that supports the relevant smart contract standards
Direct interaction from a wallet or development environment

Fabrica makes no representation that fabrica.land/pools is the safest, fastest, or most accurate way to interact with the pools. Users may choose any interface they prefer.

No Investment Advice

Nothing on fabrica.land is investment advice.

Information provided through the interface, the oracle, the documentation, or any other Fabrica surface is informational only. Fabrica does not provide investment advice, legal advice, tax advice, or any recommendation regarding whether to deposit, withdraw, or hold any position in any pool. Users are solely responsible for their own decisions and for any tax, legal, or other consequences thereof.

Sanctions, Eligibility, and Use Restrictions

Use of the interface is subject to the Terms of Service, including its eligibility, sanctions, and prohibited-activity provisions. Sanctioned addresses, sanctioned persons, and users in restricted jurisdictions may not use the interface.

Updates to This Disclosure

Fabrica may update this disclosure from time to time. Material changes will be reflected by the version number and date at the top of the page.

For questions, contact info@fabrica.land.