Stablecoins and Co-Ownership: Why They Could Power the Next Phase of Property Investment
In today’s second-home market, financing typically happens through traditional mortgages and property loans from banks. Co-ownership models are changing this by pooling buyers into a company structure, where each owner holds shares rather than a full property title. It’s a proven setup already used by larger players in the market.
But innovation rarely stops there. With the EU’s new MiCA regulation, rolling out from late 2025, property ownership could soon be transformed even further — through tokenization and stablecoins.
Stablecoins Enter the Mainstream
Just recently, eight major banks announced a joint initiative to issue regulated stablecoins — digital currencies pegged 1:1 to traditional assets like the euro. This is a milestone that shows stablecoins are no longer just a crypto experiment. They are becoming a trusted financial rail backed by mainstream institutions.
Unlike volatile cryptocurrencies, stablecoins are designed for stability and compliance. And under MiCA, they will be fully regulated within the EU.
Why Stablecoins Matter for Co-Ownership
If co-ownership shares become tokenized — a scenario many see on the horizon — stablecoins could provide the payment and trading infrastructure.
- Frictionless transactions → Faster, borderless payments for international buyers.
- Greater liquidity → Easier entry and exit on secondary markets.
- Trust and compliance → MiCA ensures stablecoins are fully aligned with EU law.
For future franchise partners and investors, this could mean a system where financial flows are simpler, safer, and globally scalable.
My Perspective from the Exchange World
During my time at Firi, a Norwegian crypto exchange, I worked on building parts of a blockchain ecosystem and explored the barriers that keep people from investing in digital assets. What I learned is simple: adoption only happens when two things are in place — trust and usability.
Stablecoins under MiCA bring exactly that. They bridge the gap between traditional finance and tokenized assets, making it easier for everyday investors to participate with confidence. If applied to second-home co-ownership, the impact could be significant.
What’s Next for the Second-Home Market
Right now, co-ownership is still mostly financed through shares in property companies — a model that works, but is relatively limited in liquidity compared to the possibilities of digital markets.
The next evolution could be:
- Shares today — clear, proven, and transparent.
- Tokens tomorrow — flexible, liquid, and powered by stablecoins.
This pathway isn’t speculation from the fringes — it’s being built under the EU’s MiCA framework. If executed correctly, it could fundamentally reshape how second homes are financed, owned, and enjoyed.
Key Insights
- Stablecoins and co-ownership could merge under EU MiCA to create trust and liquidity.
- The current model (shares in companies) works but limits flexibility.
- The next step may be tokenization — with stablecoins as the financial rails.
- Disruption in property financing could make second-home ownership more accessible and scalable than ever before.