From blockchain assets to real estate portfolios: The European trend of wealthy crypto investors

The market for digital assets is no longer just a speculative field. Increasingly, high-net-worth investors with extensive block assets are using their cryptocurrencies strategically to diversify their portfolios and invest in traditional tangible assets such as European real estate. This phenomenon demonstrates how the crypto market mimics the established financial world while also opening new avenues for wealth preservation.

Wealthy Crypto Investors Seek Wealth Preservation in European Real Estate

Among users of the Lithuania-licensed crypto payment platform Brighty, a fascinating trend has developed: hundreds of wealthy individuals are deploying their digital assets to purchase apartments in prime European locations such as the UK, France, Malta, Cyprus, and Andorra. Since the service’s founding in 2025 – initiated by Nikolay Denisenko, an experienced fintech engineer and former Revolut employee – demand has grown exponentially.

Currently, Brighty facilitates over 100 successful transactions for its affluent clients, with many more projects in preparation. Denisenko reports average customer transactions of approximately $50,000 USD per month. The transaction sizes for real estate acquisitions range impressively: from at least $500,000 USD up to maximum volumes of around $2.5 million USD per transaction.

Securing Block Assets through Blockchain Analysis and Strict Compliance

A historical prejudice against cryptocurrencies is the concern that they could be misused for money laundering. Traditional banks have long refused or blocked transactions involving crypto assets. Brighty addresses this trust deficit with a sophisticated compliance system: the company uses advanced blockchain analysis tools from security firm Elliptic to thoroughly verify the origin and transfer path of each customer deposit.

The process follows clear standards: first, the customer’s block assets are validated using Elliptic’s blockchain analysis. “These investors hold cryptocurrencies, which can concern banks – although these individuals often accumulate their wealth completely transparently, for example through Bitcoin mining or long-term holdings,” explains Denisenko. Once Brighty’s compliance team confirms the legitimacy of the wealth source, a fiat currency account is opened in the customer’s name. The subsequent payout then occurs directly from the customer’s account – not from Brighty itself – to the real estate seller, who can be a real estate agent, a lawyer, or the private owner. This structure guarantees absolute transparency and traceability for all parties involved.

Faster and Cheaper: How Stablecoins Are Revolutionizing Real Estate Purchases

A key advantage of using cryptocurrencies in real estate transactions is operational efficiency: the process is significantly faster and less administratively burdensome than traditional international transfers via SWIFT, the global banking transfer network used by over 11,000 financial institutions.

For example, if a buyer needs to convert stablecoins like USDC into euros, the direct crypto payment method saves time and costs compared to multi-step SWIFT procedures. This cost saving has been clearly recognized and utilized by Brighty’s wealthy clientele.

Euro-Stablecoins Drive Change: From USDC to EURC in Large Transactions

A remarkable paradigm shift is emerging in the choice of stablecoin types used. While Brighty clients previously primarily relied on Circle’s USDC, the landscape has fundamentally changed: high-net-worth investors now prefer euro-denominated stablecoins, especially Circle’s EURC, to minimize unnecessary exchange rate risks.

Data vividly confirms this trend: the average transaction size in euros increased from €15,785 in Q3 to €59,894 in Q4 – a rise of over 280 percent in the same year. Denisenko comments: “We are increasingly observing that our clients are using euro-stablecoins where they might have previously used USDC. The reason is simple: those depositing in USDC and then buying a property in Europe have to pay conversion fees. EURC eliminates this exchange rate risk entirely and makes large transactions significantly more cost-effective.”

Future: block assets and the real estate market grow together

Looking ahead to the coming months and years, Denisenko is optimistic: Brighty is engaging in intensive discussions with European real estate agencies to convince them of the credibility and added value of the concept. The goal is sincere: wealthy cryptocurrency holders should have access to first-class residential real estate just as traditional wealth holders do – and this should happen with full transparency and legal security.

“Our affluent clients aim to reduce their wealth risks through diversification,” Denisenko concludes. “Investing part of their block assets in secure tangible assets like European real estate is a rational and proven strategy for risk distribution.” With over 100 completed transactions and steadily increasing numbers, it is clear: the market for digital wealth preservation through traditional tangible assets has just begun to realize its full potential.