HOMEUNITY

PUBLIC WHITEPAPER 2026

Democratizing Access to Hospitality Real Assets

Through Swiss-Structured Participation

Administered by Fuchs Treuhand AG, Lucerne, Switzerland

Version 2.0 · April 2026

Democratizing access to hospitality real assets through Swiss-structured participation

Administered by Fuchs Treuhand AG, Lucerne, Switzerland

Version 2.0 · April 2026

LEGAL DISCLAIMER AND RISK NOTICE

READ THIS FIRST — IT MATTERS

This document explains an idea. It is not:

• An offer to sell you anything
• Investment advice
• A guarantee of returns
• Legal or tax advice

You could lose everything you invest. Hotels can fail. Markets crash. Regulations change. Technology breaks. 100% loss is possible.

Who Published This

This Public Whitepaper is published jointly by:

• Homeunity (the operating entity)
• Fuchs Treuhand AG, Lucerne, Switzerland (the appointed fiduciary administrator)

Together we're called "the Company" or "we" in this document.

What This Document Is

This is a plain-language explanation of how participation in hotel economics works through:

• Swiss Registerwertrechte (registry-recorded contractual rights under Swiss law)
• A structured ecosystem that separates ownership, participation, usage, and liquidity

Target audience: Non-U.S. retail investors, institutional parties, and anyone who may lawfully read this material.

What's Missing Here

This whitepaper gives you the big picture. It does not include:

• Complete contract terms
• Every fee and edge case
• Smart contract addresses or low-level blockchain details
• Asset-specific factsheets (those come separately for each hotel)

For complete legal details, see:

• Participation Agreements (the binding contracts)
• Terms of Service
• Asset-specific factsheets
• Risk disclosure supplements (§16 and §18 below)

Two Different Digital Units

HRPT — Your Travel Club Credential

HRPT (Homeunity Protocol Token) is a digital membership key — a technical access credential for the Homeunity Travel Club.

What it is:

• Authentication credential that grants Travel Club membership
• Consumptive utility for accessing hotel services at structural cost
• DLT-registered right (Swiss Code of Obligations, Art. 973d)

What it unlocks:

• Homeunity Travel Club membership
• Internal hotel rates (50–85% below market)
• AI concierge services
• Priority booking

What it is NOT:

• Not corporate equity in Homeunity
• Not a share of hotel profits or NOI
• Not voting rights in business decisions
• Not designed for speculative trading

Price: Starting at $0.15 per HRPT

How to get it: Purchase through the platform, complete KYC

HPOT — Your Participation in Hotel Economics

HPOT (Homeunity Participation Object Token) is a Registerwertrecht under Swiss law (Swiss Code of Obligations, Art. 973d and following).

One series per hotel. Each HPOT series represents:

• Contractual participation in that hotel's Net Operating Income (NOI)
• Rights recorded in the Swiss registry for uncertificated securities
• Legal claims to distributions (when and if declared)

Reference unit: USD $1 per HPOT (nominal)

What it is NOT:

• Not direct ownership of the hotel building
• Not a corporate share
• Not a guaranteed return
• Not described here as a collective investment scheme unit

How to get it: Only through HAFS (Homeunity Asset Facilitation System) — our onboarding and issuance platform. Not available as a retail "buy button" on public exchanges.

If You Are in the United States

For Regular U.S. Investors

HPOT and the HAFS participation system are NOT available to you.

Access is blocked by:

• Technical controls (geo-blocking)
• Contractual restrictions
• Compliance perimeters

Why? U.S. securities laws are complex. We have not registered HPOT as a security in the United States.

For U.S. Accredited Investors

A narrow pathway may exist through our institutional gateway, subject to:

• Rule 501 of Regulation D verification (you must qualify as an Accredited Investor)
• Separate legal documentation
• Additional compliance checks

See separate materials if you qualify.

HRPT for U.S. Persons

May be available only where Terms of Service and compliance controls explicitly allow. Check the platform.

Get U.S. Legal Advice

This whitepaper is not a U.S. legal opinion. If you're a U.S. person, consult your own U.S. securities lawyer before doing anything.

Risk of Total Loss — We Mean It

Let's be crystal clear about what can go wrong:

You Can Lose 100%

Hotels are risky businesses. Here's how your investment could go to zero:

Hotel Operation Risks:

• Hotel goes bankrupt
• Tourist demand collapses (pandemic, war, economic crisis)
• Natural disaster damages the property
• Insurance doesn't cover losses
• Operator mismanages the property
• Local regulations kill profitability

Market Risks:

• Real estate values crash
• Interest rates spike
• Currency exchange rates move against you (if you're not in USD)
• Tourism patterns shift away from the location

Liquidity Risks:

• You might not be able to sell your HPOT
• No guaranteed buyer at any price
• Secondary market might not exist or might have zero volume
• Exit mechanisms might not trigger for years

Technology Risks:

• Smart contracts could have bugs
• Blockchain infrastructure could fail
• Cyber attacks could compromise systems
• Oracle data feeds could malfunction

Regulatory Risks:

• Laws could change and shut down the system
• Tax treatment could become unfavorable
• Sanctions could freeze your participation
• Compliance requirements could become impossible to meet

Counterparty Risks:

• Operators could breach agreements
• Service providers could fail
• The fiduciary administrator could be replaced
• Third-party systems could collapse

This is not a savings account. There is no deposit insurance. There is no government backstop. You are taking real risk.

Forward-Looking Statements Are Just Guesses

Throughout this document, we describe:

• Goals and objectives
• Roadmap items
• Example scenarios
• Projected timelines

None of this is a promise.

Reality can differ materially because of:

• Market conditions we can't control
• Regulatory changes we can't predict
• Technology that doesn't work as planned
• Competition we haven't anticipated
• Events we haven't imagined

Past performance means nothing. The fact that hotels made money in the past doesn't mean they will in the future.

Example numbers are illustrations, not forecasts. When we show "$X per night" or "Y% discount" or "Z% yield," these are examples to help you understand the concept. They are not predictions, targets, or commitments.

Where This Document May Be Restricted

Your country, state, or local laws may prohibit you from:

• Reading this document
• Participating in the system
• Holding HRPT or HPOT
• Accessing the Travel Club

You are responsible for knowing your local laws.

We do not represent that:

• This material is legal for you to read
• Participation is legal in your jurisdiction
• We have complied with your local regulations

If in doubt, stop reading and consult a lawyer.

Countries and regions where restrictions commonly apply include (but are not limited to):

• United States (see above)
• China (PRC)
• Singapore (retail participation may require licensing)
• Jurisdictions with OFAC sanctions
• Any country where tokenized participation in real assets requires local registration

About the Fiduciary Administrator

Fuchs Treuhand AG (Lucerne, Switzerland) is the currently appointed Swiss fiduciary for:

• Registry administration
• Compliance oversight
• Distribution authorization
• Record-keeping functions

Can this change? Yes. If the fiduciary administrator role transfers to a successor entity, the same functions are intended to continue. You will receive official notice of any change.

What does "fiduciary" mean here? The administrator has contractual duties to follow the rules defined in the participation agreements and Swiss law. It does not mean they guarantee outcomes or protect you from losses.

Islamic Finance Alignment (Where Applicable)

Some counterparties and participants require Shariah-aligned financial reporting.

Where applicable, we aim to align disclosures with professional frameworks, including:

• AAOIFI FAS 33/34 (Accounting and Auditing Organization for Islamic Financial Institutions standards)
• Other recognized Islamic finance disclosure practices

What this is NOT:

• Not a Shariah board certification
• Not a fatwa (religious ruling)
• Not a guarantee of compliance for every participant in every jurisdiction
• Not religious language in consumer-facing materials

What this IS:

• Financial reporting presentation aligned with professional standards
• Optional for participants who don't need it
• Relevant for institutional counterparties in certain markets

Language and Interpretation

The English version of this Public Whitepaper is the authoritative text.

Translations (including Russian, Arabic, or other languages) are provided for convenience only.

If there's a conflict between versions, English controls.

Definitions — Plain English

We'll use some terms throughout this document. Here's what they mean:

Acknowledgment

By continuing past this page, you confirm that:

• You have read this entire disclaimer
• You understand the risks (including total loss)
• You are not relying on this as investment, legal, or tax advice
• You will consult your own advisors before participating
• You are lawfully permitted to read this material in your jurisdiction

If you cannot confirm all five points, stop reading now.

TABLE OF CONTENTS

Page numbers will be inserted in final PDF layout.

Each section has a stable code (like sec-09 or app-d) for deep linking, search, and reference.