Do I need to understand blockchain to use tokenized financing?

No! The blockchain works behind the scenes. You interact with a normal loan application, e-signature, and payment dashboard. The tokenization benefits you through faster approvals and better rates without requiring technical knowledge.

Are tokenized loans legal in the EU?

Yes. We operate under MiCA (Markets in Crypto-Assets Regulation), the EU's comprehensive framework for digital assets. All our tokens are classified as security tokens backed by real estate collateral.

What happens if the blockchain network goes down?

Your loan terms are recorded both on-chain and in traditional legal documents. Even if a network were disrupted, your legal rights remain intact. We use multiple network redundancies and maintain offline backups.

Can I sell my tokenized loan?

Your loan obligation remains with you, but investors who funded your loan can trade their fractional ownership tokens on secondary markets. This liquidity attracts more capital, keeping our rates competitive.

How does tokenization protect my privacy?

Only hashed identifiers appear on-chain—no personal data. Your identity, income, and address are stored in encrypted, GDPR-compliant databases. Investors see anonymized loan performance metrics only.

Tokenized Real Estate: The Future of Prefab Financing

Discover how blockchain tokenization makes prefab home financing faster, more transparent, and accessible—all while staying fully compliant with EU regulations.

What is Real Estate Tokenization?

Tokenization converts ownership rights in real estate assets into digital tokens on a blockchain. Each token represents a fractional share of the property's value or the loan secured by it.

Simple Example

You apply for a €200,000 prefab loan. We tokenize your loan agreement into 200,000 tokens (€1 each). Investors buy tokens to fund your loan. The blockchain records all transactions transparently, and smart contracts automatically distribute your monthly payments to token holders.

This isn't cryptocurrency speculation—it's Real World Asset (RWA) financing backed by physical property and legal contracts.

How Tokenized Financing Works

You Apply

Submit your prefab financing application through our platform. We underwrite using traditional credit + alternative data (bank statements, crypto assets).

Loan Approval

If approved, we structure your loan terms (APR, term length, milestone schedule) and create a smart contract that encodes these terms on the blockchain.

Tokenization

Your loan is divided into fractional tokens. Each token represents a tiny share of your loan's principal + interest. Tokens are offered to vetted investors (institutions, DeFi pools, accredited individuals).

Funding

Investors purchase tokens, funding your loan. This can happen in hours vs. weeks with traditional lenders. Funds go into an escrow smart contract that releases payments to your manufacturer at milestones.

Repayment

You make monthly payments as usual. Smart contracts automatically split payments pro-rata to token holders. All transactions are recorded on-chain for transparency.

Benefits for Borrowers

Lower Interest Rates

Access to global DeFi capital pools reduces our cost of funds. Savings passed to you—often 0.5-2% lower than banks.

Faster Approvals

Smart contracts automate verification steps. Investor funding happens instantly vs. waiting for bank committees.

Flexible Underwriting

We evaluate crypto holdings, freelance income, and cross-border situations that traditional banks reject.

Complete Transparency

All payment schedules, fees, and terms are recorded on-chain. No hidden charges or surprise rate hikes.

Real World Assets (RWA) Explained

RWA refers to tokenizing tangible assets—real estate, commodities, invoices—on blockchain. Unlike pure cryptocurrencies (Bitcoin, Ethereum), RWA tokens derive value from real-world collateral.

RWA vs. Cryptocurrency

Feature	Cryptocurrency	RWA Token
Backing	None (speculative)	Physical asset
Volatility	High	Low (stable)
Regulation	Varies	MiCA compliant
Use Case	Trading, payments	Financing, investment

TrustedBuildr tokens are security tokens—they represent fractional ownership in loan agreements secured by real prefab homes. This makes them stable, regulated, and insurable.

MiCA Compliance

The EU's Markets in Crypto-Assets (MiCA) regulation, effective June 2024, provides comprehensive rules for crypto-asset issuers and service providers.

How We Comply

Licensed: Registered as a crypto-asset service provider (CASP) in EU jurisdiction
White Paper: Published detailed offering documents reviewed by regulators
AML/KYC: Implement strict anti-money laundering and identity verification
Custody: Use licensed custodians for token storage and transfer
Reporting: Regular audits and disclosures to regulatory authorities

Read our full MiCA compliance documentation →

Security & Privacy

We employ multi-layered security to protect your data and funds:

Technical Security

✓ AES-256 encryption for all data at rest
✓ TLS 1.3 for data in transit
✓ Smart contract audits by CertiK & Trail of Bits
✓ Multi-signature wallets for fund custody
✓ Penetration testing quarterly

Privacy Protection

✓ GDPR compliant data handling
✓ Zero-knowledge proofs for verification
✓ Personal data never stored on-chain
✓ Right to erasure honored
✓ Anonymized analytics only

View detailed security architecture →

Frequently Asked Questions

Experience the Future of Home Financing

Apply now and see how tokenized financing delivers faster approvals and better rates.

Get Started