• Journal of Information Technology Services
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• v.22 no.4
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• pp.81-95
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• 2023

The emergence of Security Token has revolutionized the way assets are traded, bringing efficiency, transparency, and accessibility to the market. However, the Real Estate Security Token market faces challenges, particularly in terms of liquidity. The CMTO(Collateralized Mortgage Token Obligation) model addresses this issue by introducing a novel approach that combines the benefits of NFT(Non-Fungible Token), STO(Security Token Offering), and CMO(Collateralized Mortgage Obligation) techniques to enhance liquidity and promote investment in Real Estate Security Token. The CMTO framework functions by allowing DABS token investors to leverage their tokens as collateral for loans. These token-collateralized loans are pooled together and form the basis for issuing Sequential CMO named CMTO. The CMTO represent a diversified portfolio of token-collateralized loans, providing investors with options based on their financial goals and risk preferences. By implementing CMTO, the Real Estate Security Token market can overcome liquidity challenges, attract a broader range of investors, and unlock the full potential of digital assets in the real estate industry.

• Fashion & Textile Research Journal
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• v.17 no.3
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• pp.429-439
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• 2015

This study develops a new brassiere for new silver women. A new brassiere design was developed for the silver generation based on apreliminary survey; subsequently, a wire and no-wire type of brassier were developed after a second fitting evaluation. The results were as follows. First, in terms of brassiere design, the cup shape was designed as mold type full cup, shoulder straps were designed as camisole type with cups, bias tape was designed for body correction in the side line and mash tape was designed for easy movement below the cups. On the other side ofthe cup shape was a pocketdesigned on a support pad forthe wire type and a support panel to serve as a wire in the no-wire type brassiere. Second, brassiere patterns were designed by referencing the educational H pattern. Thetotal length was elongated by 5cmto reduce pressure when wearing a brassiere and the height of the front center increased by 8cm for the stability of the front center of the brassiere. In addition, the side line was moved back by 3cm and the width of the brassiere wings was designed widely at 10.5cm. Third, a wearing test was conducted for the wire type and the no-wire type brassiere with comparison products, using a 7-point Likert scale. Appearance results and movement tests for the wire and no-wire type showed a higher score than comparison products.