Asset tokenization is revolutionizing the way ownership is structured, traded, and accessed in the modern financial world. By converting real-world assets—like real estate, art, or private equity—into digital tokens on a blockchain, businesses and investors gain unprecedented flexibility, liquidity, and transparency. This technological leap is dismantling long-standing barriers such as high entry costs, limited market access, and inefficient transaction processes.
As the global tokenized asset market is projected to grow from $300 billion to over $10 trillion by 2030 (Roland Berger), the demand for reliable, scalable, and compliant platforms has surged. In this article, we explore the top 12 asset tokenization platforms of 2025, each playing a pivotal role in shaping the future of digital finance.
What Is Asset Tokenization?
Asset tokenization is the process of representing ownership of a real-world asset as a digital token on a blockchain. These tokens—often called security tokens—can be traded, transferred, or fractionalized just like traditional securities, but with the added benefits of decentralization, automation via smart contracts, and 24/7 global accessibility.
While similar to traditional securitization (e.g., mortgage-backed securities), tokenization introduces a new level of efficiency and transparency. Instead of relying on paper-based records and intermediaries, blockchain ensures that every transaction is immutable, verifiable, and secure.
Security Token Offerings (STOs) are the primary method for launching tokenized assets. Unlike speculative ICOs, STOs are regulated and backed by tangible value—making them attractive to institutional investors and compliant financial ecosystems.
👉 Discover how leading platforms are turning real-world assets into digital opportunities.
How Does Asset Tokenization Work?
The journey from physical asset to digital token involves several key stages:
1. Preparation and Planning
Before any code is written, businesses must define:
- The asset to be tokenized (e.g., commercial real estate)
- Legal jurisdiction and regulatory compliance (e.g., SEC, FINRA)
- Target investor base (accredited vs. retail)
- Token structure (equity, revenue share, utility)
For example, a company tokenizing a $20 million office building must ensure compliance with securities laws and determine whether tokens represent ownership shares or profit distributions.
2. Token Creation and Smart Contract Development
Once legal groundwork is laid, developers create tokens using blockchain protocols like Ethereum, Polygon, or Polymesh. Smart contracts—self-executing code—govern token behavior:
- Dividend distribution
- Transfer restrictions
- KYC/AML verification
- Voting rights
These automated rules reduce reliance on third parties and minimize human error.
3. Distribution and Trading
After deployment, tokens are offered through private sales, public STOs, or regulated exchanges. Investors can buy using fiat or crypto. Post-launch, secondary trading occurs on digital asset platforms, enhancing liquidity.
This entire process transforms traditionally illiquid assets into dynamic financial instruments accessible worldwide.
Why Asset Tokenization Matters: Key Market Insights
Market analysts project explosive growth in tokenized assets. According to Roland Berger, the sector could reach $10 trillion by 2030, driven by adoption across real estate, private equity, and alternative investments.
Real-world examples highlight this momentum:
- RealT enables fractional real estate ownership starting at $50.
- ADDX launched the world’s first tokenized private credit fund, slashing minimum investments from $5M to $20K.
- Goldman Sachs partnered with Harbor to tokenize commercial real estate portfolios.
These innovations signal a shift: ownership is becoming more democratic, liquid, and efficient.
Top 12 Asset Tokenization Platforms of 2025
1. Securitize: Powering Compliant Security Token Offerings
Securitize stands out as a fully registered SEC broker-dealer, offering end-to-end solutions for issuing and managing security tokens. With over **$1 billion in assets tokenized**, it’s trusted by firms like Harbor Group, which used Securitize to tokenize a $16M commercial property.
Its compliance-first approach includes built-in investor verification and transfer restrictions—making it ideal for regulated markets.
2. Polymath: Simplifying Token Issuance for Enterprises
Polymath streamlines STO creation with user-friendly templates and legal frameworks. Built on the Polymesh blockchain, designed specifically for institutional use, it supports identity management, governance, and compliance at scale.
To date, Polymath has facilitated over $100 million in tokenized assets, serving law firms, investment banks, and fintech startups.
3. Harbor: Real Estate Meets Blockchain
Harbor specializes in tokenizing real estate and alternative assets under strict FINRA oversight. Its partnership with Goldman Sachs in 2024 to tokenize a portion of a REIT portfolio underscores its appeal to Wall Street institutions.
Harbor’s platform ensures regulatory compliance while enabling fractional ownership and seamless transfers.
4. Tokensoft: Scalable Solutions for Digital Securities
Tokensoft provides a flexible infrastructure for businesses issuing digital securities. Known for its work with Overstock.com and Bitfinex, it supports complex token economics and global investor onboarding.
Its platform integrates KYC/AML checks and secondary market readiness—critical for long-term success.
5. Securrency: Bridging Traditional Finance and Web3
Securrency focuses on institutional-grade tokenization of bonds, equities, and funds. Its collaboration with BNY Mellon to tokenize money market fund shares highlights its credibility.
With advanced compliance tooling and cross-chain interoperability, Securrency is a go-to for banks exploring digital assets.
6. Swarm Fund: Democratizing Startup Investment
Swarm Fund leverages tokenization for equity crowdfunding, allowing startups to raise capital from global investors. It has helped ventures raise over $10 million, including sustainable energy projects seeking mission-aligned backers.
By merging community engagement with regulatory compliance, Swarm Fund empowers early-stage innovation.
7. FundRequest: Tokenizing Project-Based Funding
FundRequest enables creators—from artists to developers—to fund projects via token sales. Investors receive tokens representing future rewards or revenue shares.
A 2023 urban garden initiative raised funds through FundRequest, proving its utility beyond tech startups. Total raised: over $1 million.
8. Verta: Building Institutional Trust in Digital Securities
Verta emphasizes scalability and compliance, partnering with Nasdaq in 2024 to integrate security tokens into traditional trading systems. Its clients include Fidelity Investments, underscoring its institutional appeal.
Verta’s infrastructure supports full lifecycle management—from issuance to post-trade settlement.
9. PolySign: A Leader in Institutional Tokenization
PolySign has facilitated over $1 billion in asset tokenization, primarily for financial institutions. In 2024, an unnamed investment bank used PolySign to tokenize a private equity fund for accredited investors.
Its focus on audit trails, governance, and regulatory alignment makes it a top choice for conservative firms entering Web3.
10. RealT: Fractional Real Estate Ownership Made Simple
RealT allows investors to buy fractions of U.S.-based properties starting at $50. College students have pooled funds to own parts of apartment buildings—democratizing access to real estate returns.
While currently limited to non-U.S. investors due to regulations, RealT exemplifies how tokenization can reshape property investment.
11. ADDX: Unlocking Private Markets for Accredited Investors
Based in Singapore, ADDX specializes in tokenizing private equity, debt, and real estate for accredited investors. Its 2024 launch of the first tokenized private credit fund reduced entry barriers dramatically.
With streamlined KYC and automated compliance, ADDX delivers institutional-grade opportunities with greater efficiency.
12. Bitbond: Tokenizing Loans for Global Access
Bitbond enables borrowers—especially SMEs in emerging markets—to issue tokenized bonds. Investors earn fixed returns while gaining exposure to diverse credit profiles.
Having tokenized over $100 million in loans, Bitbond bridges the gap between decentralized finance and real-world lending.
Key Benefits of Asset Tokenization
✅ Unleashing Liquidity
Tokenized assets can be traded 24/7 on digital markets, turning traditionally illiquid holdings like real estate into fluid investments.
✅ Transparency at Its Core
Blockchain provides an immutable record of all transactions—reducing fraud and increasing trust among stakeholders.
✅ Streamlined Efficiency
Smart contracts automate dividends, voting, and compliance—cutting administrative costs by up to 80%.
✅ Enhanced Security
Decentralized ledgers protect against tampering and single points of failure—safeguarding investor value.
✅ Global Accessibility
Investors from any country can participate—expanding funding pools and enabling true portfolio diversification.
✅ Fractional Ownership
High-value assets become accessible through micro-investments—democratizing wealth creation.
Challenges to Consider Before Tokenizing Assets
While promising, asset tokenization isn’t without hurdles:
- Regulatory Complexity: Compliance varies by jurisdiction; legal clarity is still evolving.
- Asset Suitability: Not all assets tokenize well—ill-defined or highly subjective ones (e.g., rare art) pose valuation challenges.
- Technology Investment: Building secure smart contracts requires expertise or third-party partners.
- Investor Education: Retail investors may need guidance on risks and mechanics.
- Security Risks: While blockchain is secure, endpoints (wallets, exchanges) remain vulnerable.
- Costs: Legal fees, platform charges, and development can run into six figures.
- Liquidity Planning: Without active secondary markets, tokens may become stranded.
- Long-Term Vision: Tokenization should align with strategic business goals—not be a short-term trend play.
Frequently Asked Questions (FAQs)
Q: What is an example of asset tokenization?
A: A company tokenizes a $10 million office building into 1 million digital tokens worth $10 each. Investors buy tokens representing fractional ownership and receive rental income automatically via smart contracts.
Q: How do security tokens differ from cryptocurrencies?
A: Cryptocurrencies like Bitcoin are native to their blockchains and function as money or utilities. Security tokens represent ownership in external assets (e.g., property or shares) and are subject to securities regulations.
Q: Can intellectual property be tokenized?
A: Yes—music rights, patents, trademarks, and copyrights can all be tokenized. Artists can sell fractions of royalty streams to fans or investors.
Q: Are tokenized assets regulated?
A: In most jurisdictions, yes—if they represent investment contracts or ownership stakes. Platforms like Securitize and Polymath build compliance directly into their systems.
Q: What blockchains are best for asset tokenization?
A: Ethereum remains popular, but specialized chains like Polymesh, Hyperledger Fabric, and Algorand offer better privacy, compliance features, and institutional support.
Q: How much does it cost to tokenize an asset?
A: Costs range from $10K–$500K+, depending on asset complexity, legal requirements, platform fees, and development needs. Simpler projects may start lower; enterprise-grade offerings require significant investment.
Final Thoughts
Asset tokenization is not a passing trend—it’s a fundamental shift in how value is created, shared, and managed. From real estate to private equity, the ability to fractionalize ownership, enhance liquidity, and automate compliance is unlocking trillions in dormant capital.
The platforms highlighted here—Securitize, Polymath, ADDX, RealT, and others—are leading this transformation with secure, scalable solutions tailored for both businesses and investors.
As regulations mature and technology evolves, we’ll see broader adoption across industries. The future of finance isn’t just digital—it’s tokenized.
Core Keywords: asset tokenization, security tokens, blockchain, tokenization platforms, digital securities, fractional ownership, STO, real-world assets