skydiver

House prices down, but how bad is it?

TL;DR – In the first week of October 2022, something unusual happened. For the first time in years, house prices in The Netherlands, including Amsterdam, came down instead of going up. For amsterdreams, this development has both upsides and downsides. The negative aspect is that investors won’t see their AMS tokens rise in value (yet). …

home construction

Why AMS is stable and cryptocurrency is volatile

TL;DR – the AMS tokens that you invest your money into to own a piece of Amsterdam housing is recorded on the secure blockchain. Cryptocurrencies also live on there and they’re notoriously up and down all the time. This article explains why AMS is more stable, by design. What drives the value of something? Have …

array of lamps symbolizing decentralized finance

Decentralized finance (DeFi) explained

amsterdreams uses a financial model to buy homes, where many people from all over the internet pool their money together. The blockchain records who put in how many and so gains can be distributed. This is different from centralized finance (CeFi), where a central bank decides how to allocate home loans, from the money their customers put into their saving accounts.