panoram

Panoram is a Mexican fintech company operating in the proptech and blockchain sectors, positioning itself as the first fractional real estate marketplace built on blockchain technology with integrated crowdfunding secured loans. The platform democratizes real estate investment by dividing properties into small digital fractions represented as non-fungible tokens (NFTs), allowing investors to purchase shares starting as low as $500 USD, with financing options available down to $100 USD through secured loans collateralized by the NFTs themselves. The company targets retail investors who traditionally lack the capital to invest in real estate, connecting the real estate market with Web3 technology through tokenization. Panoram's business model combines elements of crowdfunding, fractional ownership, and blockchain-based property tokenization. The platform enables users to make payments in cryptocurrency through partners like Koywe, requiring KYC verification for compliance with regulatory standards. Investors can make additional payments to reduce their debt obligations and receive rental income proportional to their fractional ownership. The company has developed a secondary marketplace feature to provide liquidity, allowing token holders to buy and sell their fractional property interests. Panoram focuses primarily on tourism-related real estate properties in Mexico, particularly in high-demand tourist destinations. While the company has established a presence on platforms like LinkedIn and F6S, and appears to be based in Mexico City, there is limited information about regulatory authorization status under Mexico's Fintech Law or formal CNBV oversight as a crowdfunding platform.