The Rise of Tokenized Assets in Europe

Tokenization is no longer a fringe concept. In 2025, European regulators and financial institutions are actively embracing tokenized assets — digital versions of securities, bonds, real estate, and even art.

Germany, Switzerland, and Spain are leading with frameworks allowing real estate tokenization for retail and institutional investors. These digital assets, often based on blockchain, offer transparency, 24/7 trading, and fractional ownership.

One major driver is the MiCA (Markets in Crypto-Assets) regulation, which provides legal clarity and encourages financial innovation without sacrificing investor protection.

Startups in Madrid and Barcelona are launching platforms where users can invest in tokenized luxury villas, commercial properties, or renewable energy infrastructure with as little as €100.

However, challenges remain. Liquidity is still low in some asset classes, and custody standards are still developing. Nonetheless, tokenization is poised to reshape capital markets in Europe over the next decade.