live§6418 — Transferability Rail

§6418 — The rail that turned tax credits into cash

Before §6418, IRA credits were trapped on the originator's tax return. §6418 unlocked a $50B+ secondary market by making credits cash-transferable. BV provides the on-chain rail that books the transfer election and clears in MXD.

The trade

§6418 lets a credit holder transfer eligible credits to an unrelated buyer for cash, exactly once. The transferee gets a refundable credit on their own return; the transferor gets cash; the IRS gets a portal filing.

The rail that makes this work — credit verification, buyer KYC, transfer-election filing, escrow, and cash settlement — is exactly what DeFi rails do well. BV provides that rail with:

  • On-chain verification of credit existence and amount via XCT
  • Atomic transfer-election booking as part of the trade
  • MXD escrow for the cash leg
  • Reg D 506(c) buyer gating via AccreditedRegistry
  • Portal-filing handoff as a final off-chain step
Two settlement pathsBoth book the same §6418 transfer election

OTC Desk

live

Bilateral, wire-settled (or stablecoin at buyer's election). No tokenization required. Every IRA credit transaction we've closed to date has happened this way — the proven path.

About the OTC Desk

On-chain marketplace

testnet

Credit tokenized as XCT at production. Marketplace bid book; atomic swap for MXD; transfer election booked on-chain. Continuous price discovery, faster settlement.

About §6418 transferability
Both paths settle to the same buyer-side refundable credit and the same IRS portal filing. Indicate which path you want.

Mechanics

  1. List: producer mints XCT-45V (or any other §45/§48 token).
  2. Bid: accredited buyer bids on the credit at a discount-to-face.
  3. Match: atomic swap of XCT for MXD; transfer election booked on-chain with portal-filing metadata.
  4. File: BV submits the IRS portal filing on behalf of both parties.
  5. Claim: transferee claims the credit on their next return.

Trust

  • Every transfer election cited back to its IRS portal filing reference
  • §6418-specific tax counsel sign-off on the workflow
  • Marketplace itself accredited-only; non-accredited retail liquidity out of scope at v1
Frequently asked

Questions on this product

See the full FAQ