The rise of tokenised real-world assets: A new wave of digital ownership

The idea of owning a fraction of a luxury apartment in Mumbai or a piece of gold sitting in a vault in Singapore might sound far-fetched, but tokenisation is making it real. By turning physical assets into digital tokens on blockchain platforms, investors can now access opportunities once reserved for the wealthy or institutions. This shift is opening the door to a more inclusive and flexible form of investing, even for those in smaller Indian cities.

Tokenised real-world assets, or RWAs, represent tangible items like real estate, art, gold, or even carbon credits in a digital form. Each token stands for a share of the underlying asset, making it easier to buy, sell, or trade small portions of valuable properties without the need for full ownership. The blockchain ensures transparency, records ownership, and prevents duplication, which are major issues in traditional markets.

What’s driving this trend is the combination of technology and demand for alternative investments. As global investors look beyond stocks and crypto coins, tokenised assets provide a bridge between the physical and digital worlds. In India, this concept is slowly gaining traction, with startups experimenting with blockchain-backed property ownership and fractional investment models that comply with local laws.

For Tier 2 city investors, tokenisation could be a game-changer. It removes geographical and financial barriers, allowing people to participate in high-value investments with smaller amounts. Imagine someone from Nagpur or Indore investing in a commercial space in Mumbai through verified tokens — something unthinkable a decade ago.

However, the model is still in its early phase. Regulatory clarity remains a concern, and market awareness is limited. Since blockchain-based tokens depend heavily on secure digital infrastructure, issues like scams or unregulated platforms could pose risks. Experts suggest that before participating, investors should ensure that such tokens are issued by registered and credible platforms.

The rise of tokenised real-world assets signals how finance and technology are converging to redefine ownership. While the concept is still evolving, its promise is undeniable — giving ordinary investors a slice of global assets and reshaping how we think about wealth in a digital-first world.