THE LANDSCAPE

How real estate is financed today

How real estate is financed today

Real estate tokenization - also known as digital real estate financing - means a project developer issuing subordinated loans, real estate bonds or tokenized securities directly to investors, under the German Investment Act, Securities Prospectus Act or Electronic Securities Act, through a branded digital subscription platform instead of a third-party crowdinvesting marketplace.

Real estate tokenization - also known as digital real estate financing - means a project developer issuing subordinated loans, real estate bonds or tokenized securities directly to investors, under the German Investment Act, Securities Prospectus Act or Electronic Securities Act, through a branded digital subscription platform instead of a third-party crowdinvesting marketplace.

New Income Source

Earn money on an ongoing basis from financing, volume, and investors.

Scalable Model

Once established, finance an unlimited number of real estate projects.

Minimal Effort

ONINO automates investor management, KYC/AML, and reporting.

THE SHIFT

Your project, your investors, your brand

Crowd investing platforms take the investor relationship and a cut of every deal. ONINO lets you issue the same instruments - subordinated loans, bonds, tokenized securities - on your own branded platform, keep the relationship, and reuse it deal after deal. Tokenization is optional.

Cost: Crowd investing platforms charge ~5–8% per project. ONINO: no listing fee, one platform plan, fixed-rate disclosure prep.

USE CASES

How Our Clients Use the Platform

From banks to crowdfunding platforms, out platform adapts to your use case and provides a robust, secure and scalable infrastructure to help you grow.

Residential and Commercial Real Estate

Implement the future of finance today. Effortlessly tokenize, manage and distribute assets through our platform.

Existing properties & portfolios
Mezzanine Financing
Club deals & structured investments
Residential and Commercial Real Estate

Implement the future of finance today. Effortlessly tokenize, manage and distribute assets through our platform.

Existing properties & portfolios
Mezzanine Financing
Club deals & structured investments

FOR DEVELOPERS WHO RAISE REPEATEDLY

Recurring project financing

How to finance real estate projects repeatedly with private investors

Developers don't raise once - they raise per project. ONINO is built for that: onboard investors once, then launch each new project to a base that already knows you, on the same compliant rails. No re-listing, no re-paying a marketplace, no rebuilding the investor list.

Deal cards for real estate and solar financing vehicles with branded investor portals

WHY ONINO

Why ONINO vs. the alternatives

  • Crowdinvesting: you keep the investor relationship and the economics - no per-project marketplace fee.

  • Finexity and tokenization tools: full issuance + compliance + investor management, not just a token.

  • Licensed Electronic Securities Act register included - issue digital securities without holding the German Banking Act license.

  • Proven - €50M+ financed, €750M+ in pipeline, issuers in 24+ countries; Cadaico, Volksbank, BLACKVRST; PwC Raise program.

FOR WHO

For Everyone Turning Real Estate Financing into a Business Model

Built for real estate developers, asset managers, platforms, syndicators, and investment vehicles looking to turn real estate financing into a scalable business model.

Analytics chart showing platform performance
eWpG setup card for configuring compliant investor onboarding under the German Electronic Securities Act

COMPLIANCE

Is it legal to tokenize or digitally finance real estate? Yes - per instrument:

Tokenizing real estate is legal in the EU - tokenization changes the form, not the legal regime.

Subordinated loan - Capital investment under the German Investment Act. Prospectus-free up to the crowdfunding threshold (~€6M/issuer/12 months, to confirm), prospectus required above.

Real estate bond / tokenized security - Security under the Securities Prospectus Act / Electronic Securities Act. Securities information sheet up to €8M/12 months (BaFin-approved), full EU prospectus from €8M.

The instrument is regulated like its conventional equivalent - tokenization changes the form, not the law.

FAQ

In Case You Missed Anything

We're here to answer all your questions.