# Comparison to Existing Fractionating Platforms

**Point.com**

* Focus: Homeowners selling fractions of their homes for immediate cash.
* Model:
  * Ownership is fractionated through a **deed of trust** and default options.
  * The homeowner retains control until the **settlement date**.
* Limitations:
  * Investors do not benefit from interim cash flow or usage rights.
  * Settlement is tied to a **forced buy-back** or sale.

**Latoken**

* Focus: Blockchain-based fractional ownership with tokenized shares.
* Model:
  * Fractionated tokens are created and auctioned, representing future asset value.
  * Tokens trade on the Latoken exchange but require a **future sale date** for profit realization.
* Limitations:
  * Tokens primarily serve as **futures contracts**, offering no interim participation in the asset’s value generation.