Tokenized Asset Platform
A real estate investment firm managing $200M+ in commercial property assets needed to modernize their investor access model. We designed and built a full-stack tokenization platform that digitizes property ownership with regulatory compliance across the US, EU, and Singapore.
The client's existing process relied on paper-based subscription agreements, 90-day settlement cycles, $50,000 minimum investments, and manual cap-table management. Investor onboarding required physical document verification, and secondary transfers were effectively impossible — investors were locked in until the fund's liquidation event.
Regulatory complexity was the critical constraint. The platform needed to comply simultaneously with SEC Regulation D, EU MiFID II, and MAS Securities and Futures Act. Each jurisdiction has different accreditation requirements, transfer restrictions, and reporting obligations. A single compliance failure could expose the client to enforcement action across all three markets.
We architected the platform around ERC-3643 (T-REX) compliant security tokens on Arbitrum, chosen for Ethereum-level security with sub-dollar transaction costs. The smart contract layer enforces transfer restrictions at the protocol level — tokens physically cannot move to non-compliant wallets, regardless of what the frontend allows.
The compliance engine integrates with Jumio for identity verification and Chainalysis for ongoing transaction monitoring. Jurisdiction-specific rule sets are encoded as on-chain identity registries, so the same token contract enforces different transfer rules depending on the investor's jurisdiction. When regulations change, we update the registry without redeploying contracts.
The frontend is a Next.js application with role-based dashboards: investors see their portfolio, pending distributions, and secondary market listings; administrators manage onboarding workflows, compliance reviews, and cap-table exports. Real-time data is indexed via The Graph, with Redis caching for sub-100ms dashboard loads.
The platform tokenized $52M in commercial property assets within six months of launch, onboarding 3,200+ accredited investors across all three target jurisdictions. Settlement time dropped from 90 days to under 2 seconds, and the minimum investment was lowered from $50,000 to $500 — opening the asset class to a dramatically larger investor base.
The compliance engine has processed 8,400+ investor verifications with zero regulatory violations. The platform maintains 99.97% uptime, with automated failover and monitoring across all infrastructure layers. Secondary market trading volume has reached $3.1M monthly, providing liquidity that was previously impossible in private real estate.