--- title: Tokenization of financial assets url: "https://www.unknowngravity.com/en/servicios/tokenizacion-activos-financieros" site: Unknown Gravity published: "2026-01-15T14:27:52+00:00" modified: "2026-07-15T10:51:34+00:00" language: en-US description: "Tokenization of financial assets allows real economic rights (such as shares, debt, future income or financial instruments) to be represented by digital tokens on blockchain." section: "Home > Tokenization of financial assets" --- # Tokenization of financial assets > Tokenization of financial assets means representing funds, debt or company shares through distributed ledger technology. When the asset is a financial instrument it falls under Spain's Law 6/2023 (LMVSI) and MiFID II, not MiCA, and requires appointing an ERIR. Unknown Gravity structures the issuance and the registry. LEGAL STRUCTURE BLOCKCHAIN TECHNOLOGY REGULATORY COMPLIANCE [Book a meeting](/en/meeting) Tokenization of financial assets means representing funds, debt or company shares through distributed ledger technology. When the asset is a financial instrument it falls under Spain's Law 6/2023 (LMVSI) and MiFID II, not MiCA, and requires appointing an ERIR. Unknown Gravity structures the issuance and the registry. **Tokenization of financial assets** allows real economic rights (such as shares, debt, future income or financial instruments) to be represented by **digital tokens on blockchain**. This approach provides **transparency, traceability, operational efficiency and new funding channels**, always maintaining consistency **legal and regulatory** of the underlying asset. At Unknown Gravity we design and develop **secure, auditable tokenization structures aligned with the European framework**, from the initial analysis to the final technological platform. ## 01 / What is the tokenization of financial assets? The tokenization of financial assets consists of **digitize economic rights** associated with an asset or financial structure using blockchain tokens. These tokens do not create the right by themselves, but rather **they represent it and make it traceable**, always relying on contracts and traditional legal frameworks. This approach makes it possible to transfer classic financial instruments to a more efficient digital infrastructure, without altering their legal nature. The blockchain acts as **immutable registration and automation system**, not as a substitute for law. ### Types of Tokenizable Financial Assets Shares in a public limited company (S.A.), private debt, loans, promissory notes, collection rights, revenue sharing, future dividends or hybrid financial structures can be tokenized. Quotas in a Spanish private limited company (S.L.) are excluded: they do not qualify as securities and cannot be represented by certificates or book entries (Art. 92(2) of the Spanish Companies Act, BOE-A-2010-10544). ### Tokenization vs. unbacked cryptoassets Unlike cryptocurrencies or purely speculative tokens, financial tokenization is based on **real assets and existing economic rights**, with clearly defined values and obligations. Defining the right does not remove the risk: the credit risk of the party liable for payment and the valuation risk of the underlying asset remain. ## 02 / Common Use Cases The tokenization of financial assets is not a theoretical experiment, but a tool increasingly applied in business and financial environments. ### Alternative financing for companies Companies can structure tokenized issues to raise capital without relying exclusively on bank financing or traditional funds. ### Fractionalization of investments A financial asset can be divided into multiple tokens, which makes it easier for different investors to take part and lowers the minimum size of each position. Fractionalizing does not diversify risk: the risk of the underlying asset stays the same, only the amount each investor is exposed to changes. ### Digitization of private instruments Private financial contracts, traditionally illiquid, can be managed more efficiently using tokens and smart contracts. ## 03 / Legal and regulatory framework Financial tokenization requires rigorous legal analysis. Blockchain technology **does not automatically make an asset legal**, but must be integrated into the existing regulatory framework. ### Identification of the right represented The first step is to define precisely what economic law is tokenized and what obligations it entails for the parties involved. ### European regulation and regulatory compatibility We design structures aligned with MiFID II, Spanish Law 6/2023 (LMVSI), the Prospectus Regulation and the DLT pilot regime, and we first assess whether the token is a financial instrument. If it is, MiCA does not apply: it excludes from its scope crypto-assets that qualify as financial instruments (Art. 2(4)(a) of Regulation (EU) 2023/1114; Arts. 6 to 8 LMVSI, BOE-A-2023-7053; Regulation (EU) 2022/858). ### Prevention of legal risks We analyze public issuance, commercialization, transferability and custody risks to avoid models that are not allowed or legally unsafe. ## 04 / How we developed a financial tokenization project At Unknown Gravity we follow a structured process that combines **strategy, law and technological development**. ### Feasibility analysis We evaluate the asset, business model, scalability and risks before starting any development. ### Design of the legal and technical structure We define the type of token, associated rights, governance, economic flows and the most appropriate blockchain architecture. ### Development and Implementation We develop the smart contracts, the issuance platform and the management systems necessary to operate the tokenized asset. ## 05 / Why tokenize with Unknown Gravity? We don't develop generic tokens. We design **digital financial infrastructures** designed to last. ### Legal-first approach Legal certainty is the starting point, not a later addition. ### Tailor-made development Own platforms, without third-party dependencies or closed solutions. ### Long term vision We think about scalability, governance and future evolution of the tokenized asset. This content is for information purposes. It is not legal, tax or investment advice and does not replace consulting a professional. Regulation on tokenization and crypto-assets keeps evolving: check the current version of the rules cited on BOE and EUR-Lex. FAQ ## Frequently asked questions **Is the tokenization of financial assets legal?** Yes, provided that the tokenized right is correctly defined and the applicable regulations are complied with. Legality does not depend on the token, but on the **underlying legal structure**. **What type of companies can tokenize financial assets?** From startups and SMEs to consolidated companies looking for alternative financing, digitization of financial instruments or operational efficiency. **Is it necessary to create your own platform?** Not always, but for strategic or long-term projects, we recommend **tailor-made tokenization platforms** to ensure control, compliance and scalability. This page is informative. It is not legal, tax or investment advice, and it does not replace a case-by-case review. The rules cited change: check the current version on [BOE](https://www.boe.es) and [EUR-Lex](https://eur-lex.europa.eu). 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