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Real Estate Tokenization

Tokenization is the process of converting ownership rights in a real estate asset into digital tokens on a blockchain.

What is Tokenization?​

Think of it like this:

  • Traditional: You buy an entire building for $10 million
  • Tokenized: 10,000 people each buy $1,000 tokens representing shares

Each token represents:

  • Proportional ownership
  • Right to rental income
  • Voting rights on decisions
  • Ability to trade on exchanges

Benefits of Tokenization​

For Investors​

BenefitDescription
Fractional OwnershipInvest with as little as $100
LiquidityTrade tokens 24/7 on exchanges
DiversificationOwn pieces of many properties
TransparencySee all transactions on-chain
Global AccessInvest in any country

For Property Owners​

BenefitDescription
Faster CapitalRaise funds in days, not months
Broader ReachAccess global investor base
Lower CostsReduce intermediary fees
Automated ComplianceBuilt into smart contracts
Continuous LiquidityNo lockup periods

Types of Real Estate Tokens​

Security Tokens​

  • Represent ownership in real estate
  • Regulated like traditional securities
  • Require accredited investor verification
  • Examples: tZERO, Securitize

Utility Tokens​

  • Provide access to services
  • Not ownership stakes
  • Less regulatory burden
  • Examples: Platform credits, booking tokens

Stablecoins​

  • Backed by real estate assets
  • Maintain stable value
  • Used for transactions
  • Examples: USDC, property-backed stables

The Tokenization Process​

graph TD
    A[Select Property] --> B[Legal Structure]
    B --> C[Create Token]
    C --> D[Compliance Check]
    D --> E[List on Exchange]
    E --> F[Investors Buy]
    F --> G[Ongoing Management]

Step 1: Property Selection​

  • Commercial properties work best
  • Clear title required
  • Stable cash flow preferred
  • Create SPV (Special Purpose Vehicle)
  • Draft offering documents
  • Establish governance rules

Step 3: Token Creation​

  • Choose blockchain (Ethereum, Polygon, etc.)
  • Deploy smart contract
  • Mint initial tokens

Step 4: Compliance​

  • KYC/AML verification
  • Accredited investor checks
  • Jurisdictional compliance

Step 5: Distribution​

  • List on security token exchange
  • Market to investors
  • Handle subscriptions

Real Examples​

St. Regis Aspen Resort​

  • $18 million tokenized
  • 18.9% of property
  • Traded on tZERO

RealT Properties​

  • 200+ properties tokenized
  • Starting at $50 per token
  • Daily rental income distribution

Elevated Returns​

  • Commercial buildings
  • Institutional-grade assets
  • SEC-compliant offerings

Regulatory Landscape​

United States​

  • SEC regulates as securities
  • Reg D, Reg S, Reg A+ exemptions
  • Requires registered exchanges

European Union​

  • MiCA framework coming
  • Country-specific rules
  • Generally favorable

Asia​

  • Singapore leading adoption
  • Hong Kong sandbox programs
  • Varies by country

MoneyMatcher & Tokenization​

We're building tokenization capabilities:

  1. Discovery: Find tokenized properties
  2. Matching: Connect with token issuers
  3. Trading: Access through our exchange
  4. Lending: Use tokens as collateral

Get Started​

Ready to explore tokenized real estate?

  1. Create account
  2. Complete accredited investor verification
  3. Browse tokenized offerings

Tokenized real estate features coming soon. Join waitlist for early access.