Date: July 11, 2025

Recipient: US Title Companies

Introduction

This document outlines a proposal for title companies to license Ubitquity’s proprietary smart contract software, the NFTitle Network, and to explore the integration of the TitleToken add-on tool, launching for Q4 2025, to the UBQT_B Enterprise Utility Token. As a pioneering web3/blockchain service provider over the last decade for the real estate and title industries since 2015, Ubitquity possesses the expertise and technology to enhance the title industry’s operational efficiency, mitigate fraud, and create new revenue models. This proposal details the goals, benefits, and strategic value of adopting our blockchain-based solutions.

Strategic Goals for Title Companies

• Integrate the NFTitle Network to automate and secure the escrow and closing process.
• Implement the TitleToken add-on tool to create a dynamic, efficient marketplace for title data and insurance.

Proposed Solution I: The NFTitle Network

The Challenge: Complexity and Risk in Escrow Management

Real estate escrow processes are inherently complex, demanding meticulous reconciliation between multiple parties to ensure funds are allocated correctly and the file is balanced. This manual process is not only resource-intensive but also susceptible to human error and fraud, particularly wire transfer theft, which poses a significant financial and reputational risk to title companies.

The Solution: Automated and Secure Smart Escrow Contracts

Ubitquity’s NFTitle Network leverages blockchain-based smart contracts to create a fully automated and secure escrow environment. Settlement funds are held within the immutable smart contract and are disbursed automatically when predetermined conditions are met, eliminating the need for manual intervention and removing the risk of escrow theft.

The NFTitle Network is designed for seamless integration into a title company’s existing workflow and can operate with digital fiat currency or approved stablecoins such as UBITQUITY USD (uUSD): The Stable Foundation for Real Estate’s Digital Future.

Key Features and Benefits

• TRID Integration and Real-Time Collaboration: The platform’s user interface automatically calculates and populates data into the TRID form. This enables permissioned users to collaborate in real-time, sharing verified data securely and efficiently across all stages of a transaction.
• Mitigation of Wire Fraud: By operating within a trusted and secure blockchain environment, our platform provides robust tools for verifying the source and destination of funds, drastically reducing the risk associated with fraudulent wire instructions.

Advanced Technology for the Title Industry:

• Ricardian Contracts: We utilize contracts that are both human-readable (natural language) and machine-readable. This ensures legal clarity while allowing for the automated processing and ingestion of critical data for future use.
• Immutable Data & Open Standards: Once data is recorded on the blockchain, its cryptographic hash serves as an immutable time-stamp. This data can be securely recycled for future closings. The use of open standards facilitates secure collaboration and provides a foundation for a future industry-wide data exchange or consortium.

Proposed Solution II: The TitleToken Add-on Tool for NFTitle Network

The Challenge: Modernizing the Title Insurance Lifecycle

The current title insurance model, born from the complexities of deeds-based land recording systems, relies on fragmented data and labor-intensive processes. Title companies invest heavily in creating and maintaining proprietary title plants to streamline the search and examination process. While the sharing of “starters” (prior policies) offers some efficiency, the system remains opaque to consumers and costly for insurers.

The Solution: A Tokenized, Dynamic Title Asset

We propose the creation of a revolutionary marketplace powered by the TitleToken add-on tool to the UBQT_B Enterprise Utility Token. This tool transforms a property owner’s title insurance policy into a verifiable digital asset — a “TitleToken.”

Each TitleToken would contain essential data, including:

• Ownership and estate information (Schedule A).
• Recorded liens, easements, restrictions, and encumbrances (Schedule B).
• Assessed value and market information.
• Copies of all recorded documents, plat maps, and surveys.

The TitleToken tool enables property owners to host their verified title information on Ubitquity’s marketplace. This creates a transparent and competitive environment where title insurance companies can directly review a property’s data and bid to insure it. This model allows insurers to not only compete but also to collaborate by co-insuring a property, thereby allocating and reducing their individual risk exposure.

The ultimate vision is for title insurers to issue a single master policy that is continuously updated via endorsements as new data is fed into the TitleToken from county recorder offices. Each property owner effectively creates their own perpetually updated and insured title plant. To ensure data quality, Ubitquity’s platform will incorporate a reputation score for all data providers, including title companies, appraisers, and recorder offices.

Benefits of the TitleToken Ecosystem

• Reduced Operational Costs: Drastically lower the expense of title searches and examinations, reducing the need to maintain large title plants and extensive research staff.
• Efficient Risk Management: Allocate and apportion risk by co-insuring properties with other title companies through the marketplace.
• Consumer-Driven Marketplace: Shift the title insurance model to be more direct-to-consumer, increasing transparency and competition.
• Creation of a Genesis Title Record: A fully insured and maintained TitleToken becomes the definitive “genesis block” for a property’s title, establishing a solid and transparent foundation for all future transactions.

Conclusion: A Partnership for Industry Leadership

Ubitquity is confident that blockchain and tokenization technologies will redefine the title insurance landscape, making it more efficient, secure, and consumer-centric. The NFTitle Network offers immediate improvements to the security and efficiency of the closing process, while the TitleToken add-on tool provides a long-term strategy to fundamentally enhance how title insurance is marketed, sold, and managed.

We believe the title industry would be an ideal joint venture partner to lead this industry transformation. We invite you to join us in building this next-generation network and realizing a new standard for real estate transactions.

Appendix: Core Benefits of Blockchain Technology for the Title Industry

While often associated with cryptocurrency, the core blockchain technology offers powerful, standalone benefits for enterprise applications. It should be viewed as a foundational infrastructure for secure data management.

• Data Integrity and Immutability: The primary advantage of blockchain is the ability for every user to verify the integrity of decentralized data. For each record ingested, a unique cryptographic hash is generated. This hash is mathematically linked to the previous record, creating a chain that is tamper-evident. This provides an irrefutable, immutable timestamp that is more secure than a traditional notary stamp, strengthening a case of ownership in any dispute.
• Accelerated and Verifiable Record Transfers: Real estate transactions can be managed via smart contracts — digitally signed, self-executing agreements. This automates compliance and execution, allowing legal and notary professionals to supervise a greater number of transactions with higher accuracy. All relevant documents can be affixed with a QR code, allowing any permissioned party to instantly inspect the document’s verifiable record on the blockchain.
• Establishing a Verifiable Chain of Title: Over time, the accumulation of transactional data on the blockchain creates an unimpeachable library of title history. The immutable nature of the blockchain is a profound asset in establishing a property’s record of ownership. For title companies, controlling a significant volume of this verified data creates opportunities to monetize it through new services in lien servicing, abstracting, and title insurance, cementing your position as a market innovator.

Contact Us

• NFTitle Network: NFTitleNetwork.com
• UBQT_B Enterprise Utility Token: UBQT.Trade
• For sales inquires, info@ubitquity.io
• Open support ticket: support.ubitquityx.com