November 18, 2025

Tovest – An Entry Point Into the Tokenized Real-World Assets (RWA) Market

As digital finance continues to grow rapidly and blockchain adoption becomes more widespread, Real World Assets (RWA) have emerged as one of the most notable trends. RWA enables traditional assets—such as U.S. equities, bonds, commodities, or real estate—to be brought onto the blockchain in the form of tokens, improving liquidity and lowering barriers to entry. Tovest is one of the platforms helping retail investors access RWA more easily through a transparent and simplified tokenization framework. This article provides an overview of how Tovest operates and the potential of RWA for everyday investors. 1. How Does Tovest Work? Tovest uses tokenization technology to convert real-world assets into blockchain-based tokens that can be traded. Key features include: 1.1. Fractionalization Traditionally, investing in U.S. stocks or high-value assets requires substantial capital. Tokenization allows assets to be divided into smaller portions, enabling new investors to participate with minimal capital. 1.2. Transparency Through Blockchain All transaction data is recorded on the blockchain, ensuring: -Transparency and verifiability -Immutable transaction history -Real-time asset value tracking 1.3. 24/7 Access to Global Assets Tokenized assets can be accessed by investors in any country—without restrictions from traditional market hours. This brings greater flexibility to portfolio management. 2. Benefits of Tovest for Retail Investors 2.1. Portfolio Diversification With Low Capital Investors can allocate funds across multiple asset types—from equities to tokenized real estate—reducing exposure to market volatility. 2.2. Flexible and Transparent Trading Tokens can be traded around the clock, with all data publicly available on the blockchain to support informed decision-making. 2.3. Improved User Experience and Market Understanding Starting with a small amount allows beginners to test strategies and become familiar with tokenized markets before scaling their portfolio. 2.4. Easier Access to U.S. Markets Tovest simplifies investing in U.S. assets without requiring international brokerage accounts or complex documentation. 3. Tokenization vs. Traditional Investing Compared to traditional investment models, tokenization offers: -Higher liquidity: 24/7 trading -Easier accessibility: lower capital requirements, fewer barriers -Data transparency: blockchain-stored transaction history However, tokenized models still rely on asset custodians and issuers, which investors should evaluate carefully. 4. How to Get Started With Tovest Step 1: Register an account. Step 2: Explore the available RWA token offerings, including U.S. stocks, bonds, and tokenized real estate. Step 3: Start investing with a small amount to familiarize yourself with the system. Step 4: Monitor price movements and adjust your portfolio over time. 5. RWA: Growth Trends and Future Outlook Tokenized real-world assets are becoming one of the fastest-growing segments in Web3. According to multiple market reports, the on-chain RWA sector has surpassed tens of billions of dollars, driven by participation from institutions such as BlackRock, Franklin Templeton, and JPMorgan. RWA is expected to become a bridge between traditional finance and blockchain, enabling broader market access and more efficient asset management. 6. Key Risks Investors Should Consider Despite its potential, RWA carries several risks: -Regulatory uncertainty: Tokenization laws vary across jurisdictions and remain under development. -Operational risk: Investors must understand the custodial structure and backing mechanism of tokenized assets. -Liquidity risk: Not all RWA tokens have sufficient trading volume. -Underlying asset volatility: Tokenization does not eliminate risks associated with the real asset. 7. Conclusion Tovest provides a simplified gateway for retail investors exploring tokenized real-world assets. With flexible trading, low capital requirements, and blockchain-enabled transparency, the platform may be suitable for both beginners and experienced investors. In the next article, we will share a practical guide to investing in RWA on Tovest, complete with real examples and portfolio optimization strategies.

December 25, 2025

7 Best Tokenized Stock Platforms for Non‑US Investors in 2025

Tokenized stocks are digital representations of real equities issued on public blockchains, enabling fractional, 24/7 trading via crypto rails without traditional brokerage barriers. For non‑US investors, this can mean simpler access to US names, faster settlement, and the ability to fund and withdraw in fiat, stablecoins, or crypto. As the market matures, choosing the right platform matters for custody safety, liquidity, and legal clarity. Below, we compare leading tokenized stock platforms on access, performance, regulatory posture, and practical fit for different investor needs—drawing on what major issuers and exchanges actually support in 2025 and where they operate. For a landscape view of the most active tickers (e.g., SPYX, AAPLX, COINX), see Webopedia’s overview of the biggest tokenized stocks, which also explains how these markets work at a high level. ToVest ToVest bridges traditional US equities with blockchain flexibility for non‑US investors, offering instant, fractional trading and true 24/7 market access with low‑latency execution and resilient security. Behind the interface, ToVest ensures on‑chain transparency with a defensible custody stack and proof‑of‑reserves reporting so you can verify assets, not just trust claims. The platform’s data layer is built for decision‑making: real‑time market depth, granular historical feeds, and portfolio analytics are integrated with sophisticated, opt‑in leverage and risk controls to support both novice and institutional investors. Globally, ToVest emphasizes consistent access to tokenized US stocks and ETFs, fast settlement finality, and clear disclosures on where assets are held and how they’re segregated. For more on our approach and oversight, see ToVest’s background and governance. Backed Finance Backed Finance is a Swiss‑based pioneer in tokenized stocks and ETFs, issuing instruments across multiple chains with industry‑standard custody. Tokens are structured for legal clarity and issued to common standards such as ERC‑20 (Ethereum) and SPL (Solana), while underlying assets are held with regulated Swiss custodians for enhanced protections and settlement finality. Coingape’s roundup of RWA platforms highlights custodial rigor and proof‑of‑reserves as differentiators in this segment. Backed’s footprint includes widely tracked tokens like AAPLX (Apple), COINX (Coinbase), and SPYX (S&P 500 exposure), which have built meaningful liquidity and awareness across the sector, as summarized in Webopedia’s tokenized stocks overview. Availability is jurisdiction‑dependent, so always verify whether specific tickers are supported in your country and on your chosen exchange. Securitize Markets Securitize offers an institutional‑grade, regulated platform built for compliant token issuance, custody, and secondary trading. It partners with leading custodians and infrastructure providers—including Anchorage, BitGo, Fireblocks, and Copper—while issuing on ERC‑20 rails and supporting multi‑chain operations, giving investors robust settlement and clearer recourse frameworks. Coingape’s RWA platform survey underscores these partner integrations as best‑practice signals. Securitize has become a benchmark venue for advanced on‑chain investment vehicles such as BlackRock’s BUIDL and Apollo’s ACRED, illustrating how tokenization can extend beyond single‑name equities into institutional funds. Global investors benefit from standardized reporting, but should always review each asset’s legal wrapper and local availability before funding. Kraken Kraken is a long‑standing centralized exchange known for conservative compliance, deep liquidity in major markets, and broad global reach. In jurisdictions where tokenized stock products are supported by approved issuers, Kraken’s infrastructure—fiat and stablecoin rails, fast order matching, and robust security—makes it a practical venue for accessing high‑volume pairs and trading outside US market hours. BingX’s guide to xStocks highlights why 24/7 access and stablecoin settlement have been catalysts for demand, particularly in regions with higher brokerage frictions. As with any centralized venue, compare conversion and withdrawal fees, confirm which tokenized equities are legally available in your country, and review listing disclosures to understand rights and restrictions. Bybit Bybit caters to active, crypto‑native traders with fast execution, deep order books, and fractional lots—features that translate well to tokenized equities when supported in your region. Popular tickers such as AAPLX and COINX have become reference markets across the sector, with liquidity patterns described in Webopedia’s coverage of top tokenized stocks. For non‑US investors, Bybit’s advantages include 24/7 trading, stablecoin settlement, and lower minimums. Verify local availability and any regulatory caveats that may apply to tokenized equities in your jurisdiction before trading. Coinbase Coinbase is favored for its regulated custody, operational transparency, and a global user base that supports mainstream liquidity conditions. Its institutional services and conservative compliance approach position it as a natural on‑ramp for tokenized assets, especially for allocators prioritizing custody assurances and detailed reporting. The Motley Fool’s overview of blockchain stocks cites Coinbase’s scale and infrastructure as core reasons institutions engage with the platform. For larger accounts, Coinbase’s negotiated pricing and reporting can simplify both execution and audit workflows. Access to specific tokenized equities varies by region, so check eligibility and rights disclosures prior to funding. Binance Binance remains a dominant global venue with top‑tier liquidity and extensive asset coverage. Where fully supported, its depth of market and seamless transitions between crypto and tokenized exposures can be appealing to non‑US traders who prioritize execution quality. Yellow Research’s survey of must‑have crypto apps notes Binance’s global reach and product breadth as key strengths. Regulatory status and product menus vary by country, and tokenized stock offerings may be limited or unavailable in certain regions. Conduct due diligence on local compliance requirements, listing rights (e.g., dividends, voting), and withdrawal options. eToro eToro blends traditional equities, tokenized assets, and social investing features in a retail‑friendly interface. With a large global user base and commission‑free stock trading in many countries, it offers simple onboarding and educational tools that help new investors navigate emerging asset classes. Yellow Research indicates spread‑based fees around 1% for many crypto/tokenized trades, which can be competitive at smaller sizes. Confirm whether you have direct access to tokenized equities or only synthetic exposures in your region, as product access and legal rights can differ by country. How to Choose the Best Tokenized Stock Platform as a Non-US Investor Use this process to match a platform to your goals and constraints: Confirm legal coverage: Check the platform’s jurisdiction, KYC requirements, and whether tokenized equities are available in your country with full disclosures on rights. Verify custody and reserves: Look for regulated custodians, clear segregation, and proof‑of‑reserves reporting before funding. Coingape’s RWA platform analysis outlines why these are essential. Compare execution and rails: Review 24h volumes, order book depth, trading hours (24/7 vs market hours), and payout options (fiat, stablecoins, crypto). Total cost review: Compare spreads, commissions, withdrawal fees, and currency conversion costs. Fit for purpose: Evaluate data tools, leverage controls, APIs, and support. Quick comparison snapshot: Key Features to Compare in Tokenized Stock Platforms Token standards and security: ERC‑20, SPL, or multichain issuance; platform security controls; insurance coverage. Custody arrangements: A custody arrangement is the structure by which digital or tokenized assets are held, managed, and secured—often via regulated third parties to protect assets and ensure settlement finality. Asset breadth: Coverage of US single stocks, ETFs, fixed income, and real estate. Trading mechanics: 24/7 vs limited hours, fractionalization, leverage options, and API access. Fees: Spread vs commission, withdrawal and network costs, and currency conversion. Data and reporting: Market depth, historical data, tax reports, and proof‑of‑reserves. XBTO’s RWA tokenization primer outlines why these choices matter as standards evolve across assets and chains. Regulatory and Jurisdiction Considerations for Non-US Investors Rules and product availability differ by country; many platforms enforce geo‑restrictions and apply asset‑specific eligibility screens. Coingape’s RWA review emphasizes that custody clarity and disclosures vary by issuer, which directly impact investor rights. Some tokenized stocks may carry reduced rights (e.g., no voting or dividends) or be structured as derivatives rather than direct equity interests. A legal wrapper is the contractual structure giving a tokenized asset its legal standing and rights, including entitlement to dividends, voting, and legal recourse. Review both local investor protections and platform‑level compliance features before you trade. Understanding Liquidity and Custody in Tokenized Stock Trading Liquidity is the ease and speed with which a tokenized asset can be bought or sold without significantly moving the price. In 2025, SPYX (tokenized S&P 500 exposure) reached an estimated $10.3M market cap, while AAPLX and COINX hovered near $2.0M and $1.9M, respectively, with daily volumes that vary by venue, per Webopedia’s sector snapshot. Liquidity can cluster on certain exchanges and pairs, so always check 24h volume and order book depth where you plan to trade. Leading issuers rely on regulated custodians and robust reserve disclosures. Comparing proof‑of‑reserves and custody partners—and confirming how claims are audited—can materially reduce counterparty risk relative to opaque setups. Frequently Asked Questions What are tokenized stocks and how do they work? Tokenized stocks are blockchain‑based representations of real stocks, allowing investors to trade fractional shares 24/7 via crypto rails, typically backed by custodians holding the underlying exposure. How can non-US investors access tokenized US stocks safely? Choose platforms with regulated custody and proof‑of‑reserves, and confirm your country’s eligibility and asset rights before funding. What are the typical fees involved in trading tokenized stocks? Expect spreads, potential commissions, withdrawal/network fees, and currency conversion; high‑liquidity tickers generally have tighter spreads. Are there risks associated with tokenized stock platforms? Yes—jurisdictional differences in protections, custody/counterparty risk, liquidity variability, and potentially limited rights compared to traditional shares. How do custody arrangements affect investor protections? Regulated, transparent custody enhances protection and recourse in disputes or insolvency, while opaque setups raise the risk of default and rehypothecation.

December 19, 2025

Real Estate Tokenization Services Compared: Best Crypto Access to US Stocks

Overview of Real Estate Tokenization and Crypto Stock Access Real estate tokenization converts property ownership into digital tokens recorded on a blockchain, enabling fractional ownership, faster settlements, and programmable income rights. In practical terms, it means investors can buy and trade small slices of buildings or portfolios with lower minimums and near-real-time settlement compared to traditional processes that may take weeks, not hours, to close, as outlined in a leading development guide to tokenization platforms. As the market matures, analysts expect rapid expansion and deeper institutional participation; industry forecasts point to accelerating adoption across private markets as infrastructure, compliance, and liquidity venues improve, according to Deloitte’s tokenized real estate outlook. Crypto doesn’t just unlock property. Tokenized stocks bring price exposure to US equities on-chain, creating 24/7 markets accessible with stablecoins. Offerings vary by jurisdiction and structure (synthetic vs. backed), but the direction is clear: investors increasingly want the ability to buy fractional US stocks with crypto alongside fractional ownership real estate on a single, modern stack. Gemini’s tokenized stocks overview illustrates how this bridge to US equities is emerging. ToVest Real Estate Tokenization Platform ToVest’s platform is designed for speed, security, and breadth. We aggregate tokenized real-world assets—residential and commercial real estate, funds, and tokenized equities—into a low-latency trading environment that delivers deep market data, transparent order books, and actionable analytics. Institutional-grade security controls, continuous monitoring, and rigorous KYC/AML keep the experience safe while preserving the convenience of digital payments and stablecoin funding. For investors, fractional ownership reduces minimums and expands diversification options; for issuers, our infrastructure simplifies onboarding, distribution, and secondary liquidity. Whether your priority is daily rental income, exposure to commercial properties, or access to tokenized US stocks, ToVest is designed to provide a unified, compliant gateway. RealT Platform Features and Limitations RealT focuses on US rental homes where tokens represent equity interests in LLCs backed by title deeds, with regular crypto-based rental distributions and straightforward onboarding. This makes it attractive for investors seeking direct exposure to single-family rentals while operational management is handled on-platform, as highlighted in an industry roundup of tokenization companies. However, the strategy can be concentrated. RealT primarily lists single-family rentals and may face legal complexity as offerings scale across states with varying securities and property laws. For investors seeking broader asset classes (commercial, funds, or stocks), the menu may feel narrow. Pros and cons at a glance: Lofty’s Approach to Fractional Ownership and Rental Income Lofty leans into accessibility and transparency. Operating on the Algorand blockchain, Lofty enables investments from as little as $50 and distributes daily rental income. As of September 2023, the platform reported 148 tokenized properties across 11 states, roughly 7,000 active users, and around $2 million in rental payouts, according to Lofty’s guide to real estate tokenization. Fractional ownership here means multiple investors collectively own shares in a property and receive income in proportion to their stake. Lofty’s DAO LLC structure also provides token holders voting rights on key property management decisions, supported by clear financial disclosures—an attractive package for hands-on retail investors who value governance features with low entry thresholds. Harbor’s Compliance and Institutional Focus Harbor was designed as a compliance-first stack for private real estate and other private market assets, facilitating issuance, investor onboarding, and secondary trading with a strong regulatory spine. In practice, it emphasizes: End-to-end KYC/AML and accreditation checks Document workflow and cap table management Controlled secondary liquidity mechanisms Transparent audit trails for regulators and issuers This positioning makes Harbor suitable for institutions and sponsors prioritizing legal clarity and operational controls, as profiled in a review of top tokenization platforms. RedSwan’s Commercial Real Estate Tokenization RedSwan specializes in commercial real estate, targeting larger deals with digital onboarding and smart contract automation. By connecting listings to marketplaces and decentralized venues, it aims to open historically gated commercial assets to a broader investor base with more flexible liquidity options. Industry trackers have noted that RedSwan has facilitated tokenization for multibillion-dollar real estate pipelines, underscoring its capacity to handle scale, as referenced in a comparative platforms analysis. Deloitte’s tokenization outlook further explains how decentralized exchanges can unlock accessibility and secondary liquidity for traditionally illiquid assets. DigiShares’ Customizable Tokenization Solutions DigiShares provides a modular, white-label platform that lets issuers tailor experiences—from investor records and onboarding to secondary market integrations and compliance workflows. A modular platform allows issuers to configure processes and branding for different asset types without rebuilding the core infrastructure. For sponsors prioritizing customizable real estate tokenization across mixed portfolios, DigiShares stands out for its flexibility and issuer control, as noted in sector overviews of leading providers. Brickblock's Diverse Financial Instruments and Offerings Brickblock caters to investors and issuers seeking more than direct equity slices, offering tokenized real estate bonds, funds, and development projects that vary by yield, risk, and duration. This versatility supports diversified strategies but can require more diligence to understand structures and covenants, according to comparative research on top tokenization platforms. Illustrative view of Brickblock’s product spectrum: Key Comparison Criteria for Tokenization Platforms Blockchain Technology and Costs Blockchain selection determines speed, security, ecosystem depth, and tokenized asset transaction costs. Ethereum: Deep liquidity and security but can incur higher gas fees during congestion. BNB Chain (Binance Smart Chain): Lower fees and faster confirmations, with a growing ecosystem. Polkadot: Interoperability focus with cross-chain compatibility and modular design. Trade-offs for investors: A recognized development guide underscores how network choices impact fees, UX, and interoperability across issuers and exchanges. Liquidity and Market Accessibility Liquidity is the ability to buy or sell fractional shares quickly at fair prices. Tokenization transforms a historically illiquid market by enabling settlement in hours instead of weeks, per leading implementation guides. Democratized access also allows investors to start with smaller tickets because tokenization lowers minimums and permits fractional ownership for smaller capital amounts. Regulatory Compliance and Security Compliance is non-negotiable. Robust platforms enforce KYC/AML, investor accreditation checks, and link on-chain tokens to off-chain legal registries to preserve enforceable ownership rights. Blockchain’s immutability further strengthens records against tampering and reduces fraud risk, as explained by 4IRE’s analysis of blockchain in real estate. Seek STO frameworks, audited smart contracts, role-based controls, and two-factor authentication. Investment Minimums and Income Distribution Minimums and payout mechanics vary widely by platform and issuer. Some platforms use smart contracts to automate rental income distributions in crypto at defined intervals, a pattern documented in academic work on automated income flows. Evaluating Tokenization Platforms: Side-by-Side Review Quick takes: RealT: Best for simple, yield-focused exposure to US rentals; narrower asset scope. Lofty: Strong for low minimums, daily income, and token-holder governance. Harbor: Suited to institutional workflows and compliant private placements. RedSwan: Commercial scale with routes to broader liquidity. DigiShares: Flexible rails for issuers building branded experiences. Brickblock: Diversified instruments beyond direct equity slices. ToVest: Unified access to property tokens and tokenized US stocks with real-time analytics. Recommendations for Investors Seeking Fractional US Stock Access via Crypto Start with your objective: direct rental income, commercial exposure, diversified funds, or equity-like exposure to US stocks. Verify regulatory footing: KYC/AML, audited contracts, and enforceable legal wrappers are essential; avoid platforms that skip these steps. Check minimums and payout cadence: daily vs. monthly distributions, and whether returns are in crypto or fiat. Confirm secondary liquidity: look for platforms with active order books, marketplace integrations, or DEX access. For US stock exposure with crypto, validate whether the platform offers tokenized equities (and how they’re structured and custodied); many real estate tokenization platforms do not list equities. If you want both property and tokenized US stocks in one place, ToVest’s multi-asset architecture and real-time market analytics provide a secure and efficient route to build and rebalance positions. Frequently Asked Questions What is real estate tokenization and how does it work? Real estate tokenization transforms property ownership into blockchain-based tokens, allowing investors to buy, trade, and receive income from fractional shares with transparent records. What are the advantages of investing through tokenized real estate platforms? Key benefits include fractional access, lower entry costs, faster settlement, automated distributions, and immutable ownership records. How do tokenized stocks differ from real estate tokens? Tokenized stocks mirror the price or rights of company shares, while real estate tokens represent interests in physical properties; they follow different regulations and return drivers. What should investors consider regarding regulatory compliance? Ensure platforms enforce KYC/AML, investor accreditation (where applicable), audited contracts, and legal registries linking tokens to real assets. How can liquidity be managed in real estate tokenization? Choose platforms with active secondary trading or DEX integrations to enter and exit positions more efficiently than traditional real estate markets.