1st.finance
REAL ESTATE · HOW IT WORKS

Property, sliced.
Ownership, real.

Every property is held by a dedicated legal entity. Your fractional interest in that entity is legally recorded and mirrored on-chain. Rent flows to you as an owner — resale proceeds too.

THE THREE PILLARS

Own it. Earn from it. Grow with it.

OWN

A real share of a real property.

Each building is held in a dedicated SPV that holds title. Your interest is a legally recorded ownership right — not a claim on a claim.

EARN

Your share of the rent.

Net rental income is distributed pro-rata to owners on a defined schedule. Expected yield is set per property based on lease terms.

GROW

Participate in the upside.

Any resale proceeds — from a sale of the property or of your interest on secondary — are yours pro-rata. Projected, not promised.

THE FLOW

From sourcing to ownership, in four steps.

01

We source and diligence

Each property is sourced, surveyed, and diligenced — location, title, condition, lease profile and cost base — before it ever reaches the platform.

02

We structure via a dedicated SPV

A purpose-formed legal entity (SPV) acquires the property and holds title on the public property registry. The SPV is the legal owner.

03

We tokenize the ownership

SPV ownership is represented on-chain as fractional interests. Legal registers mirror the on-chain holdings — the documents govern, the chain evidences.

04

You own, earn and exit

Complete onboarding, sign the operative documents, and receive your interest. Earn your pro-rata share of rental income; participate in resale proceeds when the property or your interest sells.

THE LEGAL STRUCTURE

Real ownership. Enforceable rights.

Tokens are the receipt. The legal documents are what you actually own.

Dedicated SPV per property

Each building is held in a purpose-formed legal entity that holds title on the public property registry. Your fractional interest is an ownership interest in that entity — not a wrapper of a wrapper.

Legally recorded, on-chain mirrored

Investor interests are recorded in the SPV's legal registers and mirrored on-chain. The blockchain is an evidentiary registry; the legal documents govern.

Binding onboarding and agreements

Every investor completes identity verification and signs the operative subscription and shareholder agreements before any interest is issued.

Defined income and exit rights

Rental distributions, reserves, fees and exit mechanics are set out in the operative documents for each property offering.

A HONEST NOTE ON RETURNS & COSTS

Real estate is an income and long-term value asset.

Rental income is expected, not promised — real leases in a real market, with real vacancy and rent-review risk. Yield figures shown for each property are targets, not guarantees.

Resale participation is projected, not promised. Property values move with the market and with the specifics of each building; any exit is subject to timing and the SPV's operative documents.

Real estate carries real operating costs — management, maintenance, insurance, taxes and reserves — handled by the professional operator and netted from rental income before distribution. Full cost detail sits in each property's offering documents.

Own a piece of the skyline from €100.

Rental income is variable and dependent on lease terms, occupancy, operating conditions and per-offering terms; it is not guaranteed. Resale participation depends on the SPV's exit mechanics, market conditions at the time and the operative documents of each property. Tokenized fractional interests are subject to legal structuring and applicable law in the jurisdictions of issuance and of the investor. Nothing on this page constitutes an offer or solicitation to buy or sell securities. Please review the offering documents for each property before investing.