The housing market has always favoured the few who control the money. If you wanted a first‑charge position on a development loan, you needed a banker’s balance‑sheet, endless paperwork, and months of due diligence. Construct Koin ($CTK) flips that script on 15 May 2025.

Imagine opening your wallet, pressing “Stake,” and suddenly earning lender‑grade yield—8 to 12 percent—from bricks‑and‑mortar projects vetted by an AI that never sleeps. That’s what CTK’s presale unlocks. It isn’t hype around a new chain or meme: this is the oldest business on Earth—lending—rebuilt with neural networks, smart contracts, and a community treasury.


How the Idea Was Born

Construct Koin’s founders watched builders stall while banks deliberated. Each fortnight lost to underwriting pushed construction costs higher, sometimes killing the project entirely. They asked a simple question: what if a machine could crunch land comps, material inflation, and contractor history overnight, then hand that analysis to a seasoned credit committee for a final “Yes”?

They built exactly that. A GRU network estimates gross‑development value within three‑percent accuracy. XGBoost rolls real‑time steel and timber prices into cost forecasts. CatBoost flags anomalies and assigns a probability of default. Human experts step in last—double‑checking, filing the legal charge, and securing guarantees over the title deeds. Money moves in days, not quarters.

Where Crypto Comes In

The team could have kept the profits in a private fund, yet chose a token model to democratise the upside. CTK holders stake into lending pools; when developers draw funds, interest flows back as USDC and periodic CTK buy‑backs. Eighty percent of net margin buys tokens off the market every quarter; half are burned, half drip to stakers. Supply sinks while yield rises—a deflationary flywheel, not a flashy APY farm.

Presale Blueprint—Why “Phase 1” Matters

On 15 May the gate opens at $0.01 per CTK. By Phase 50 the price reaches $0.50, but the number of tokens for sale shrinks each time. The math is calibrated so every phase raises roughly a million dollars and the full run tops out at $50 million—no more, no less.

Get in early and you’re not just buying low; you also stack bonuses (+2 %, +5 %, +10 % by spend, plus a 48‑hour booster) and lock those tokens until the project is firing on all cylinders. No exchange listing until every phase is sold out—meaning zero day‑one dumps, just a growing loan‑book you can watch on‑chain.

Payment rails? ETH, USDC, cards, Apple Pay, even bank wire. A $50 on‑ramp can earn the same lender rights that once needed an eight‑figure cheque and a revolving lawyer budget.


Security Without the Sweat

Every facility posts a first‑charge, registered and searchable. The entire draw schedule is encoded in MilestoneOracle contracts: no QS sign‑off, no funds. Audits? CertiK scored 92/100, PeckShield passed, Trail‑of‑Bits will publish before token unlock. And for the black‑swans, there’s Nexus Mutual cover.

A Yield Story, Not a Trading Game

• CTK isn’t promising a “10 000‑percent soon” fireworks show; it’s promising to behave like a digital bank:

  • Capital in → homes out—the protocol’s first target is a $100 million loan‑book by year‑end.

  • Interest in → buy‑backs out—quarterly market buys and burns.

  • Supply down → scarcity up—models predict net‑deflation after Year 3.

• If the housing market cools, the 30‑percent contingency reserve and first‑charge rights kick in. If regulation shifts, the legal team adapts staking terms. If the AI drifts, the committee forces a retrain. Investors see risks named and ring‑fenced—rare honesty in a space addicted to moonshots.

What to Watch After You Click “Buy”

  • Loan‑Vault TVL: real cash on the table.

  • Buy‑Back TX hashes: proof the flywheel spins.

  • AI accuracy reports: a quarterly PDF hash on Arweave—hold them accountable.

  • Phase sell‑out speed: the market’s vote of confidence.

All visible, all immutable.

The Invitation

On 15 May, Phase 1 turns anyone with $50 and a wallet into a first‑charge lender. No glass‑door club, no executive lunch—just a contract, a neural net, and your stake in the oldest money‑making profession there is.

Construct Koin isn’t asking you to farm yield; it’s inviting you to build it.

Presale countdown is live. The lender’s seat is open. Will you take it?

DYOR. Not financial advice.