Heritage Capital Liquidity Calculator
Calculate cost savings by creating fractional LP interests in your private equity portfolio
Industry
Family Office / PE
Typical Savings
99.7%
vs. secondary market
Settlement Time
24 hours
vs. 3-6 months
Liquidity Cost Calculator
Compare HLC costs vs. traditional liquidity solutions
Illiquid Assets
$2.85B
Secondary Sale
$75.0M
12.5% discount + 2.5% fees
NAV Loan (3yr)
$135.0M
8% annual interest
HLC (Year 1)
$0.1M
$6K/yr + $0M treasury + $0M issuance
Year 2+: $0M/yr
Savings vs. Secondary Sale
$74.9M
99.9% cost reduction
Savings vs. NAV Loan
$134.9M
100.0% cost reduction
Assumptions: Secondary sale at 12.5% discount + 2.5% fees. NAV loan at 8% annual interest over 3 years + 2% origination. HLC costs include $6K developer subscription (annual), $50K per 1B genome treasury deployment (one-time), and $0.05 per genome issuance (one-time). Each Heritage Liquidity Credit (HLC) = $100,000 face value. Average transaction: $50M (500 HLC). NO transfer fees - all transfers and distributions are free after issuance.
Industry Context
The Challenge: Family offices face a $2.66 trillion liquidity crisis with 57% of portfolios locked in illiquid private equity. Traditional solutions force harsh trade-offs: sell on secondary markets at 12-18% discounts, or take NAV loans at 8%+ interest rates.
The Solution: Heritage Liquidity Credits (HLC) are fractional digital bearer instruments representing LP interests in PE funds. Built on Onli's actual-possession technology, HLCs enable family offices to access liquidity while maintaining upside exposure—without discounts or debt service.
Key Benefits: No forced discounts, 80%+ upside retention, 24-hour settlement, peer-to-peer marketplace with zero intermediary fees, and complete privacy for family office transactions.