Antonio Chiarello

Last week, we talked about the shift happening in real estate, how tokenisation is breaking open access to premium deals once reserved for institutions. But that was just the surface. There Are Many Levels to Tokenised Real Estate Financing. Fractional ownership of a single apartment is just the tip of the iceberg. Yes, it opens the door for retail investors to get a foot on the property ladder, but tokenisation goes much deeper. The real revolution is in unlocking access to the big end of town, the multi-million-dollar commercial towers, logistics hubs, mixed-use developments, and income-generating real estate portfolios typically reserved for institutions, HNWs, and family offices. And here’s the twist: Tokenisation doesn’t just open access to these institutional-grade assets. It also brings something back to the table for those who already own them...liquidity. For years, large-scale real estate has been attractive on paper but painfully illiquid. Now, tokenisation enables: - Real-time fractional exits - Secondary trading - Programmatic yield distribution - More flexible portfolio rebalancing And let’s not forget: this is where the juicy returns live. The structured deals, stable yields, and capital appreciation that drive wealth at the top can now be fractionalised, democratised, and distributed globally. This isn’t crowdfunding. It’s a smarter capital market that is open to all and beneficial to all. #Tokenization #RealEstate #DigitalAssets #FractionalOwnership #HNWinvestors #FamilyOffices #OnChainFinance #PropTech #PrivateMarkets #InstitutionalLiquidity #Web3 #FinancialInclusion #InvestLikeThe1Percent

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Please read my new working paper on "Stablecoins – How will they impact financial centers?" In English: https://lnkd.in/e--6mKqZ In Chinese: https://lnkd.in/epiVxprK It contains data from a survey among the members of the World Alliance of International Financial Centers (WAIFC) on their expectations on the digital money landscape in 5-10 years: 1. We foresee a multipolar future in which there will be no clear winner among the three competitors: #CBDCs, #TokenizedDeposits, and regulated #Stablecoins. 2. CBDCs will become widespread, particularly in advanced and emerging economies. Wholesale CBDCs will likely see near-universal adoption among major central banks due to significant efficiency gains. Retail CBDCs will experience varied adoption, heavily dependent on design choices and public trust. 3. Regulated stablecoins are poised for massive growth if robust regulatory frameworks are implemented and enforced globally. 4. Tokenized deposits could become a significant force. They combine the trust of established banks with the efficiency of blockchain rails for settlements. 5. The future belongs not to a single form of digital money but to an integrated ecosystem where CBDCs, regulated stablecoins, tokenized deposits, and enhanced traditional systems interoperate seamlessly, driving efficiency, inclusion, and new economic opportunities on a global scale. Many thanks to the Asian Financial Corporation Association for publishing this article.

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Swiss Banking - The Deposit Token The Swiss Bankers Association (SBA), in collaboration with PostFinance, Sygnum Bank, and UBS, conducted a Proof of Concept (PoC) to evaluate the feasibility of a blockchain-based Deposit Token. The initiative tested whether tokenized deposits could support secure, interoperable, and programmable transactions on public blockchains while remaining fully compliant with Swiss financial regulations. The PoC lays the groundwork for a standardized, multi-bank infrastructure for blockchain-based financial services in Switzerland and demonstrates the potential for banks to offer programmable payment solutions without compromising the integrity of the traditional banking model.

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