Blockchain-Based Credit Facility

Revolutionizing wholesale apparel financing with secure, transparent, and efficient digital solutions

Issuer

RN149855 Wholesale Apparel

(through RN149855 Business Trust, CA)

Location

Los Angeles, California

Financing Mechanism

RN149855 Fractal Bitcoin Ordinals NFT Tokens

Please note: This is a conceptual framework for informational purposes and does not constitute legal advice. RN149855 must consult with legal counsel specializing in financial technology, blockchain, and California commercial law to ensure full compliance.

As a California-based entity, RN149855 Wholesale Apparel must navigate both federal and state regulations.

Program Overview

The RN149855 Blockchain-Based Credit Facility offers an innovative financing solution for our valued wholesale apparel partners. By leveraging the security and transparency of the Fractal Bitcoin Blockchain and our unique NFT tokens, we provide flexible lines of credit designed to enhance purchasing power.

This facility streamlines access to financing, offering a modern, efficient, and transparent alternative to traditional credit lines.

How Our Tokenized Credit Works

1

Partners initiate credit by minting RN149855 BRC-20 tokens

2

Tokens represent credit value for inventory purchases

3

Flexible repayment terms from 30 to 60 days

Risk Disclosure Statement

This document explains the unique risks of using blockchain technology and digital assets for credit:

  • Price volatility of Fractal Bitcoin/BRC-20 tokens
  • Potential for network congestion and transaction delays
  • Smart contract risks
  • Custodial risks (if RN149855 holds any assets or private keys)
  • Regulatory and tax uncertainties
  • Cybersecurity risks

Regulatory & Legal Framework

California Commercial Financing Disclosure Law

Requires clear and standardized disclosures for commercial financing transactions between $5,000 and $500,000.

Item Requirement
Total Amount 100,000 RN149855 Fractal Bitcoin Ordinals NFT Tokens (Equivalent to [USD Amount at Time of Offer] USD based on the RN149855 Fractal Bitcoin price quote on the Fractal Bitcoin Blockchain at [Time/Date])
Total Dollar Cost $0.00 USD (0% introductory rate through Q2 2025)
Term Options 30, 45, or 60 Days (term begins on token minting date)
Repayment Method Repayment in Fractal Bitcoin via monthly payments distributed evenly over selected term
Prepayment Policy No penalties for prepaying any outstanding balance
Annualized Rate 0.00% APR through Q2 2025
Additional Terms See full Master Credit Facility Agreement for comprehensive terms regarding default, remedies, representations, and warranties

Recipient Acknowledgment

I/we have read and understood the terms and conditions outlined in this disclosure and the Master Credit Facility Agreement.

Recipient Signature:

Date:

Printed Name:

Title:

Other Key Regulations

CCFPL & UDAAP

California Consumer Financial Protection Law requires annual reporting and prohibits unfair practices.

Digital Financial Assets Law

New California law effective July 2026 may require licensing for digital asset activities.

Commercial Debt Collection

SB 1286 extends fair debt collection practices to commercial debts under $500,000.

Federal Regulations

BSA/AML/KYC compliance, potential SEC securities regulations, and CFTC considerations.

Terms & Conditions

Necessary Documentation

Application Package Includes:

Basic Business Information

  • Full Legal Business Name
  • Business Addresses
  • Entity Type & State Registration
  • Federal Tax ID (EIN)
  • Primary Contact Information

Financial & Digital

  • Requested Credit Limit
  • Digital Wallet Address
  • Certification of Authority
  • KYC/AML Acknowledgements
  • Business Description

Required Business Documents

Certificate of Formation

EIN Confirmation

Business Licenses

Operating Agreement

Board Resolutions

Beneficial Ownership Info

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