There has been a long-standing problem in major American cities: many families rent homes for years, paying rent on time every month, but still can't afford the down payment to buy a house. It's not due to a lack of ability, but because the entire housing finance system isn't designed for them.

John Wang, co-founder and COO of ManageLife.io, has given this issue deep thought. His career path is quite interesting—initially working in strategic consulting at BCG, where he learned to view problems from a capital perspective; later, he spent over a decade in real estate development and asset management. This experience gave him an insight that is completely contrary to industry common sense.

The problem isn't actually a shortage of supply or land scarcity; it's that the existing financial structure keeps genuine residents outside the system. High down payment requirements, rigid credit assessments, cumbersome transaction costs—these systemic designs essentially deny access to groups who, although capable of paying rent, have limited capital accumulation.

ManageLife aims to rewrite this story with a different logic: through housing asset tokenization and incentive mechanisms, directly converting years of stable residence history and consistent payment records into homeownership credit. It brings real-life scenarios back to the center of financial decision-making, rather than letting cold digital frameworks define who qualifies to buy a house. Blockchain's role here is to provide the possibility for this kind of restructuring.