SUMMARY
Tokenization gives real-world assets a digital life - making them tradable, divisible, and programmable on blockchain. But not all tokens are created equal.
In this guide, you’ll learn:
Curious how blockchain is transforming equity, debt, and fundraising? This is your starting point.
Real-World Assets (RWAs)
Tangible or intangible assets outside the digital sphere. They can be financial instruments, legal rights, among others.
Brickken’s Role
Brickken provides a compliant, no-code platform to tokenize and manage RWAs. It automates onboarding, legal structuring, investor tools, and smart contracts - powering real projects like ISD Panama and Hydrokken across 16+ countries.
Tokenization is the process of creating a digital representation (digital twin) of a real-world asset. These tokens are structured through smart contracts. They allow previously illiquid or inaccessible assets to be bought and sold in accessible markets without intermediaries. Nevertheless, the process has to be compliant with international and local jurisdiction, as well as pass KYC and AML requirements.
Example: ISD Panama used Brickken’s platform to tokenize ownership, attract investors, and streamline fundraising—resulting in $1.5M raised and 200+ token holders. They adhered to Panamanian securities laws, supported by Brickken’s KYC/KYB and compliance automation features.
As explained in 2nd Cohort Best Practices Report (published by European Commission), the definition of a “crypto-asset” is laid out in Article 3.1 point 5 of MiCAR:
“A digital representation of a value or of a right that is able to be transferred and stored electronically using distributed ledger technology or similar technology.”
MiCAR does not apply to all crypto-assets. For example, Non-Fungible Tokens (NFTs) are excluded under certain conditions set by the regulation.
Tokens differ based on what they represent and how they are regulated. Here’s a simple breakdown with real examples:
Security Tokens
Represent ownership rights such as shares, bonds, or standardized profit claims. To qualify as MiFID II transferable securities, they must grant enforceable financial rights, be standardized, and freely tradable in the capital market.
Governed by: MiFID II and other securities laws in Europe.
Examples:
Utility Tokens
These tokens provide access to specific products or services, not financial rights.
Examples:
Asset-Referenced Tokens (ARTs)
Backed by physical assets like gold or oil. Their value follows the market price of the referenced commodity, providing more stability in crypto.
Regulated by: MiCAR in Europe.
Examples:
Stablecoins
These are pegged to fiat currencies like USD or EUR. Used for instant payments and asset transfers without banks.
Examples:
Other Financial Instruments
Assets not classified as transferable securities under MiCAR. These are not harmonized under EU law and are regulated by national legal frameworks. This affects how they can be structured and traded.
RWAs are tangible or intangible assets that exist off-chain. The financial industry is especially focused on tokenizing assets like:
Brickken enables companies to tokenize real-world assets—equity, debt, funds, commodities—using a secure, compliant, and fully automated platform. It supports smart contract creation, investor onboarding (KYC/KYB), cap table management, earnings distribution, and legal structuring.
Used by projects in over 16 countries and with $300M+ in tokenized assets, Brickken helps businesses raise capital, manage investors, and scale globally with full regulatory alignment.
