The ultimate destiny of real estate as an asset class doesn’t lie in the niche realms of digital tokenization, RWA or crowdfunding

The ultimate destiny of real estate as an asset class doesn’t lie in the niche realms of digital tokenization, RWA or crowdfunding

While innovative, these models remain too limited in scope, application and scalability to encompass the vast expanse of global real estate into a 'deeply digitalized state' of efficiency, like all the other major assets classes (think cash, stocks, bonds, bills, gold).

The true solution lies in a radical reimagining: connecting all real estate into a verified, authenticated system that operates in real time—where the power isn’t held by intermediaries, but by the homeowners and investors themselves. And that's what we have now embarked on with the launch today of a new platform: RealBex .

Consider The Financial World

Today, we access banks digitally to manage securely our verified funds in our authenticated accounts, all accessible instantly in real time. We use stock trading platforms to hold and trade authenticated assets securely with instantaneous precision. Yet when it comes to property, 99% of digital platforms are just property listing websites which, as great as they can be, rely on data inputted and governed by agents with no digitalised, direct relationship with the true owners and real time property data. So if you want to consider inherent inefficiency and illiquidity in the real estate sector when it comes to performing transactions and getting wealth services, this is probably going to be the core reason.

And, frankly, the entire real estate industry is structured to keep it this way—why would middle persons want their clients to have direct access to services through a digital system that maybe circumvents their role today in representing the client and the asset? But in every other aspect of our lives, from banking through to travel, stock trading, social media, ride hailing and shopping, new paradigms have emerged where we control our transactions through a screen, without intermediaries.

Trillion-Dollar 'Apps' Are Everywhere (except property)

In fact, almost every other industry has witnessed the emergence of trillion-dollar digital business models driven out of these core principles - authenticated users meeting all their needs around a subject in real time using a digital system which precludes the interference of intermediaries (think Revolut, digital banks, trading platforms, Amazon, Facebook, Booking.com , Netflix) . But property? It remains an anomaly yet to see it’s trillion-dollar ‘App’.

Maybe that's about to change.

With RealBex, we didn’t just glimpse a future of ultra-digital, instantaneous services and liquidity in global real estate—we built it.

Today, we officially launched RealBex - https://app.realbex.com - an all-in-one property wealth Hub 'app' where we've partnered with TDRA and Digital Dubai to create the first real estate business to integrate with their UAE PASS Login Authentication and Digital Vault system combined, ensuring end-to-end authentication and validation of REAL users and REAL property assets, plus instant accurate valuations of their properties - all held privately in real-time, providing unmatched security, transparency, data integrity and efficiency.

We’ve begun by creating this digital system founded on verified, authenticated property ownership and asset data, held in real time. This is where true innovation starts—when one user, in front of their screen, can directly access services without the friction of intermediaries obstructing the flow of choices and fulfillment.

Crucially, RealBex's validated authenticated data system holds and gives digital access to users and services in real-time without creating a financial security (which is the common flaw of RWA, tokenization and crowdfunding models when eyeing universal real estate digitalization)

So, where do we stand in this digitalized property sector revolution? Just dawning as it happens —less than 1% into the transformation we envision (although we have the roadmap for a fair bit of the other 99%!). But we think we’ve made the crucial first step: connecting real owners with real assets and accurate valuations, all dynamically connected in a secure system in real-time.

This connection empowers us all to meet our evolving property needs directly, driven by our own aspirations and decisions – a direct connection between activating a need and attaining fulfilment. We believe that if we are to one day offer an all-encompassing, universal solution to all of the property sector's inefficiencies for every global stakeholder in the vast $350 trillion property market, models like RealBex ‘by design’ provide the definitive solution ... and the pathway to where property’s ‘trillion-dollar App’ will inevitably prevail.

So our long-term mission to universally 'digitalize real estate' as effectively as banks have universally 'digitalized cash' starts today

... we hope you will be part of this bold journey with us.

[email protected]

You can sign-up in seconds with your verified UAE PASS account here: https://app.realbex.com


Stefan Hickmott

CEO at Evarei Management and Realbk Technologies Ltd

1 个月

Thank you for your comments everyone. In answer to some of the points raised: Real estate already has a central custodian of authenticated property asset and owner data in the form of the national land title registry. The problem with real estate is no private sector platform networks have emerged to really utilize this and create compelling real estate digitalization and efficiency solutions which can integrate with financial services. RealBex of course has this as its primary mission. It does require forward-thinking, digitalization-savvy governments like the UAE, which is in many ways a pioneer in modern digitalized government services (I believe all if not most government services in the UAE now have a 'digital alternative' method vs. physical processing), to enable platforms like RealBex to exist and prosper in their mission. But if you read the OECD digital policy framework you will see that hundreds of countries are on a similar digitalization pathway already - we have already completed a proof of concept in the UK for example and this is a key territory for RealBex's evolution. In a few years from now, we believe connecting to your property holdings digitally to avail rapid, private, direct services will be standard.

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Ricardo Henriquez, PhD, CPA

Startup founder in the TradeTech sector. Running enthusiast ????

2 个月

Excelent article. Full of insights!

i agree. fintech for far too long has been relying on being an add-on. it has to be core creator of product. that means leveraging data to build propositions from scratch. This happens in financial services. What can fintech do better than what FSIs already do? Leverage the future with proprietary learning models and temporal vector graphs. Matthew Lamons

Vivek Viswanathan

|Business Analyst|, More then 10yrs experience |Global Transaction Banking|, |Wealth Management|, |Treasury & Capital Markets|, |Banking Operations|,| Credit|,| Risk Management| |Trade Finance|, |Business Analysis|,|AI|

2 个月

RealBex's vision is bold, but integrating global real estate into a unified digital platform faces immense regulatory and standardization hurdles across jurisdictions. Can we truly digitize a $350 trillion market without addressing these foundational challenges first?

Ritesh Gupta

Empowering UAE/Middle East Entrepreneurs | Angel Investor | Expert in Asset-Based Financing & Private Institutional?Funding.

2 个月

Absolutely! Real estate needs more than just digital tools; it requires a complete overhaul with user-driven, real-time data systems.

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