Switzerland · Italy

From property
to portfolio in five steps.

Netok tokenizes institutional-grade Swiss and Italian real estate into ERC-3643 security tokens. Invest from CHF/EUR 100. Earn monthly rental income. Fully compliant under Swiss DLT Act & EU MiCA.

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How it works

From property to portfolio
in five steps.

Compliant under Swiss DLT Act (2021) and EU MiCA. KYC mandatory before token issuance.

01

Due Diligence

We vet every property: independent valuation, legal audit, and risk assessment. Only assets meeting strict criteria are listed.

02

Legal Setup

Each property is held in a dedicated SPV under Swiss DLT Act — fully documented, legally audited, and ownership rights mapped to tokens.

03

Token Issuance

ERC-3643 security tokens minted on Ethereum/Polygon with built-in compliance. Capped supply, on-chain transparency.

04

Onboard & Invest

Complete KYC in under 5 minutes. Your wallet is whitelisted automatically. Invest from CHF/EUR 100 via stablecoin or bank transfer.

05

Earn & Trade

Monthly rental income in stablecoins to your wallet. P2P token transfers enabled. Secondary marketplace launching Q3 2026.

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Market opportunity

A multi-trillion paradigm shift.

Netok fee vs. industry average

1.8%

82% cost advantage vs. competitors at ~10%. Fees: 2% tokenization · 0.5% annual management · 1% secondary market.

Minimum investment

CHF 100 / EUR 100

From €100 vs. traditional real estate entry at €50K–€500K. Democratizing access across the Switzerland–Italy corridor.

Target annual yield

3–6%

Gross rental yield on tokenized Swiss and Italian residential assets, distributed monthly in USDT, USDC or DAI stablecoin.

Featured properties

Property Listing.

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For Asset Managers & Developers

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Free Research Report

Tokenizing Real Estate: Trends in Italy & Switzerland

Understand the regulatory landscape, market size, and investment opportunity across the Switzerland–Italy corridor. 2-page briefing, free download.

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FAQ

Common questions.

What is a security token?
A security token is a blockchain-based digital asset representing a regulated financial instrument — in Netok's case, fractional equity in a real property held by an SPV. Unlike utility tokens, security tokens carry investor rights: income distributions, potential capital gain, and governance participation.
Do I need a crypto wallet?
No. Netok provides a custodial wallet for non-crypto users. You can invest with a standard bank transfer. Advanced users can connect their own ERC-3643 compatible wallet for full self-custody.
How are rental payments distributed?
Rental income is collected by the property manager, converted to stablecoin, and distributed monthly via smart contract directly to your wallet. Netok supports all major regulated stablecoins: USDT, USDC and DAI. Withdraw to your bank at any time via our fiat off-ramp.
Can I sell my tokens?
Peer-to-peer transfers between KYC-verified wallets are enabled from day one. A regulated secondary market is projected for Q3 2026. All transfers require the recipient to pass KYC — enforced at the smart contract level.
What is the minimum investment?
CHF/EUR 100 per token. Each token represents one fractional share of the SPV owning the property. There is no maximum — institutional investors may purchase entire token series subject to regulatory limits.
What are the fees?
Netok charges: 2% tokenization fee on primary issuance, 0.5% annual management fee, and 1% secondary market transaction fee. Property management costs (8-12% of gross rental income) are deducted at SPV level.
How do stablecoins work, and why does Netok use them?
A stablecoin is a cryptocurrency whose value is pegged 1:1 to a fiat currency (typically the US Dollar). The peg is maintained through collateral reserves: USDC and USDT hold dollar-denominated assets in regulated bank accounts equal to every token in circulation; DAI maintains its peg via over-collateralised crypto assets locked in smart contracts.

Netok uses stablecoins for income distribution because they settle instantly (under 60 seconds on Polygon), at any hour, to any wallet globally, at a fraction of the cost of a bank wire. When rental income arrives at the SPV it is converted to stablecoin and distributed directly to token holders via smart contract, removing the need for payment processors, correspondent banks, or manual reconciliation. You can convert stablecoin to EUR or CHF via the integrated fiat off-ramp at any time.
How are yields calculated? What is the difference between gross and net yield?
Gross yield = Annual gross rent / Property value x 100. This is the headline figure before any costs are deducted.

Net yield (target yield) = (Annual gross rent - Operating costs) / Property value x 100. Operating costs include property management fees (typically 8-12% of gross rent), insurance, maintenance reserves, vacancy allowance, and Netok's 0.5% annual management fee. This is the figure distributed to investors.

Total return adds any capital appreciation to the net yield. Capital gains are realised only on a secondary market sale or property exit.

Example: a property worth CHF 1,000,000 generating CHF 45,000 gross annual rent has a 4.5% gross yield. After CHF 12,000 in operating costs, the 3.3% net yield is what flows to token holders. Netok displays both figures on every property page.
What is ERC-3643 and why is it used for security tokens?
ERC-3643 is a suite of Ethereum token standards designed specifically for regulated financial instruments. Unlike the standard ERC-20 token, ERC-3643 adds compliance controls required by securities regulators:

Transfer restrictions: the smart contract blocks transfers to wallets that have not passed KYC, appear on sanctions lists, or are in restricted jurisdictions - enforced automatically at the protocol level, not by a human gatekeeper.

Forced transfers: a designated controller (regulator or court order) can forcibly reassign tokens in the event of a legal dispute or inheritance - a requirement under FINMA rules and most EU regulatory frameworks.

Token partitions: different classes of rights (voting shares vs. non-voting income shares) can be encoded in the same contract.

Document linking: legal documents such as the prospectus and SPV deed can be linked on-chain and updated, creating an immutable audit trail.

These features make ERC-3643 tokens legally defensible instruments - a prerequisite for FINMA licensing and EU MiCA compliance.
What is ERC-3643 (T-REX) and how does it work?
ERC-3643, also known as T-REX (Token for Regulated EXchanges), is an open-source security token standard developed by Tokeny Solutions and maintained by an industry consortium. It introduces a modular on-chain compliance architecture.

ONCHAINID: each investor is assigned a verifiable on-chain identity that stores their KYC status, accreditation level, and jurisdiction - without exposing personal data publicly. The token contract checks this identity registry before permitting any transfer.

Modular compliance rules: compliance logic lives in separate smart contract modules (max investor count, country restrictions, lock-up periods) that can be updated independently without redeploying the token itself - important for adapting to regulatory changes after launch.

Granular agent roles: issuer, compliance agent, and transfer agent permissions are separated, preventing any single party from having full unilateral control.

ERC-3643 is adopted by Tokeny, several regulated European exchanges, and institutional issuers. Netok uses ERC-3643 as the compliance layer, compatible with the Polygon network used for cost-efficient settlement.
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Netok

Fractional real estate investment on blockchain. Switzerland · Italy.

Switzerland

Netok AG
Via Nassa 15
6900 Lugano
CH

Italy

Netok Srl
Piazza Gae Aulenti 4
20154 Milano
IT

Contact

hello@netok.ch
General inquiries

invest@netok.ch
Investor relations

Legal Disclaimer

Not an offer to invest · Not financial advice · Pre-launch platform

The information contained on this website is provided for informational purposes only and does not constitute an offer to sell, a solicitation of an offer to buy, or a recommendation for any security, financial instrument, or investment product. Nothing on this website should be construed as investment, legal, tax, or financial advice.

Netok is a pre-launch platform currently in development. Netok AG is not yet a licensed financial intermediary, investment firm, or regulated entity under FINMA, CONSOB, or any other regulatory authority. No securities, tokens, or financial instruments are being offered at this time. Future offerings will be conducted in full compliance with the Swiss DLT Act (2021), EU MiCA, and the EU Crowdfunding Regulation (ECSPR).

Investing in tokenized real estate involves significant risks, including but not limited to: illiquidity of tokens, loss of capital, technology and smart contract risk, regulatory uncertainty, and stablecoin depegging risk. Target yields of 3–6% are projections and are not guaranteed.

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