Hello. It’s The ReFi Brief. Tokenized real estate news explained in simple terms, so anyone can understand and explore how digital property ownership works and why it matters.

In this week’s ReFi Brief:

Compliance is starting to live inside the asset instead of around it. That makes ownership and transfers feel closer to account-to-account movement than a property transaction.

BrickMark X is now using ERC-3643 to embed compliance at the token level so tokens can transfer 24-7, peer-to-peer, cross-region, and even be used as collateral.

What does this even mean?

What happens when compliance sits inside the token instead of the platform?

Okay 2 quick questions there.

On November 11 2025, BrickMark X and Tokeny announced a strategic partnership to broaden tokenized real estate access using the ERC-3643 standard for built-in compliance and interoperability.

Initially the focus in on Switzerland and the EU with plans for the Americas and Middle East.

BrickMark already has €210 million tokenized, $2.6 billion in pipeline, and 45,000 verified investors.

Tokeny, under Apex Group, supplies ERC-3643, the standard that hard-codes KYC, AML, and transfer permissions inside each token rather than inside the platform that hosts it.

Now all this sounds a bit too technical for us “normies”, so I’l go back to those 2 questions to simplify it all:

When we talk about real-estate tokenization via bloackchain, the “token” normally waits for a platform to check every transfer: who’s sending, who’s receiving, whether the transfer is allowed, whether the region is permitted, whether the investor meets the rules.

That process kinda “slows” everything down.

ERC-3643 moves that logic inside the token. The token runs the check itself.

If both wallets match the rule set, it clears. If not, it blocks. Think of it as the asset enforcing its own conditions without waiting for a back-office team.

I wrote about ERC-3643 in a previous article that you can read here for more understanding.

Four things happen.

Once your wallet is verified, the token recognises it at all hours. BrickMark calls this “24-7 onboarding.” No repeated checks. No ticketing. The token already knows who you are.

Two verified investors can now trade directly because the eligibility check happens inside the token. This is the “peer-to-peer transferability between qualified investors” BrickMark and Tokeny are referring to.

No notary. No escrow. No waiting for business hours.

BrickMark starts in Europe and moves next into the Americas and the Middle East. That expansion only works because the issuer can configure jurisdictional rules per token.

The asset adapts without rebuilding the entire compliance stack for each region.

Tokeny states ERC-3643 tokens can be used as collateral once whitelisted by DeFi protocols. The protocol can verify ownership and eligibility on-chain.

A property token can become a credit-bearing asset in an external system.

The building underneath stays the same. The economics stay the same: yield plus appreciation. What changes is how the digital wrapper behaves.

A token that performs its own compliance stops acting like a static entry locked inside one venue.

It can move across verified wallets. It can move across regions. It can enter lending markets. It can circulate without restarting KYC and legal checks every time it changes hands.

That is a different category of real-estate exposure.

This announcement confirms the platform now delivers an “e-commerce-like” investment experience because the compliance checks no longer sit behind forms, brokers, and settlement desks.

BrickMark cites 24-7 onboarding, peer-to-peer transfers, and cross-platform utility as live behaviours, not future features.

Apex will provide the custody and administration layer that institutions require before touching a tokenized asset.

The scale of the players involved is real: €210 million processed, $2.6 billion preparing to enter the same compliance-embedded system.

Enjoy the weekend

TM

Think of a building that would normally require tens or hundreds of thousands to buy into. Tokenization places that property into a legal wrapper, like an SPV or LLC, then issues digital tokens that each represent a small slice of the asset or its income.

Instead of needing a huge deposit, you buy a few tokens for €100 or €500 each through a regulated platform that handles KYC and payments. Your ownership is recorded on a blockchain, not in a stack of paper contracts.

When you want out, you sell your tokens to other approved investors on the same platform or a linked marketplace. The property itself never moves, but the economic rights travel in small, tradable pieces that fit a normal saver’s budget.

^{Image Source: Yahoo Finance}

The Brief: ASIC Chair Joe Longo told Australia’s National Press Club that the country risks becoming “the land of missed opportunity” if it delays action on tokenized assets. His speech pointed to global moves by JPMorgan, Nasdaq, and Switzerland as evidence that markets are already shifting. He framed tokenization as a competitiveness issue, not an abstract trend.

The Details:

What This Means: Regulators now see tokenization as market infrastructure, not a niche. This call emphasizes the need for policy action to maintain competitiveness, directly impacting compliance frameworks and access for tokenized real-world assets

^{Image Source: Gulf News}

The Brief: DESK Token is a proposed hybrid security-and-utility token backed by Grade A office assets and Hotdesk’s coworking network. Launch depends on SCA approval, with a target of Q2 2026. The model offers yield plus office-use rights, creating a dual-demand token.

The Details:

What This Means: If successful, DESK could set a template for dual-purpose tokens that align investor returns with product usage, potentially deepening engagement and liquidity in real estate markets.

^{Image Source: Valereum X}

The Brief: Valereum’s subsidiary VLRM Markets has secured CNAD authorization to run a regulated tokenization platform using DigiShares’ infrastructure. The platform will support tokenized real estate and other RWAs across Latin America. Go-live is expected within weeks.

The Details:

What This Means: The approval and upcoming launch (expected this month) signal growing official support for tokenized real estate marketplaces, showing that digital asset regulators are green-lighting platforms that can make property investment more efficient and globally accessible.

🔗 @ChainwirePR Fractional Syndication launches “The Investors Pool” platform for real estate tokenization, enabling U.S. and global users to buy, sell, or trade fractional property tokens under Reg D and S exemptions.

🔗 @CryptoEconomyEN BrickMark X and Tokeny broaden global access to real estate through tokenized property assets, leveraging ERC-3643 for compliant fractional shares in projects worth billions.

🔗 @samxonite Renta Network advances tokenized real estate with PropertyNFTs and on-chain rental verification, turning static assets into dynamic ones with real-time yield tracking and ownership updates.

🔗 @DefiSteve0 Tokinvest partners with $2B API Global to tokenize institutional-grade properties for fractional access, projecting $4T in tokenized real estate by 2035 per Deloitte.

See you in the next brief,

Tatenda