Business
La première plate-forme immobilière réglementée basée sur la blockchain
Sans aucun doute, les actifs tokenisés ont parcouru un long chemin. Cependant, si vous pensez que la course est terminée, ce n’est probablement pas le cas! La concurrence actuelle est rude et concerne essentiellement la manière dont on introduit les produits réglementés sur le marché, puis qui peut inciter la plupart des utilisateurs à adopter le produit.
Un grand nombre de projets ont proposé dans le passé de tokenser les actifs immobiliers, mais Blockimmo est probablement la première entreprise à le faire conformément aux réglementations en vigueur dans deux juridictions.
La plate-forme a été lancée récemment et a testé deux propriétés. La startup prévoit de faire le vrai test au début de 2019.
Comment ça marche?
La plate-forme a un concept simple. Un vendeur immobilier met d’abord la propriété sur la plate-forme. Les jetons correspondants sont alors émis reflétant ainsi les actions de la propriété. Les investisseurs sont alors disposés à investir selon leur convenance. Ils peuvent également suivre les progrès de la vente de masse.
Les vendeurs peuvent imposer un éventail de limites et de conditions à la vente. Une fois le processus de vente terminé, chaque investisseur reçoit des jetons représentatifs dans son portefeuille.
Disponibilité limitée
Pour bien jouer les cartes et veiller à ce que la plate-forme soit entièrement réglementée, Blockimmo envisage de ne s’installer que dans des endroits soumis à une réglementation complète. Le démarrage a donc été planifié en Suisse et au Liechtenstein.
Cependant, ils envisagent bientôt de s’étendre à d’autres pays européens à mesure que la plate-forme se développe.
Les propriétés vendues sur la plate-forme sont détenues par une société du Liechtenstein, ce qui les sécurise juridiquement.
Bastiaan Don, fondateur de Blockimmo, estime que:
«Les propriétés que nous tokenisons sont déjà désignées avec le numéro E-GRID précis directement dans la blockchain. C’est déjà une quantité connue en Suisse et ils sont déjà inscrits comme tels dans leur propre registre foncier centralisé. La synchronisation des systèmes constituerait le premier pas vers un registre foncier dans la blockchain. »
Atteindre des jalons
Blockimmo a franchi une étape importante cette semaine. La FINMA, l’organisme de réglementation financière suisse, a approuvé le business model de Blockimmo ainsi que son offre de jetons de sécurité. Cela signifie que la start-up est légalement libre de poursuivre ses activités et qu’elle n’a pas à s’inquiéter d’être empêtrée dans des poursuites judiciaires.
Pour plus de sécurité, le projet a collaboré avec un cabinet juridique appelé MMME, qui les aiderait à résoudre les problèmes juridiques pouvant survenir au cours du processus. Le projet est également soutenu par une banque familiale, Bank Frick. Le directeur de Fund and Products de la banque Frick, Raphael Haldner, a déclaré:
«La mise en œuvre de projets tels que Blockimmo témoigne de l’expertise de Bank Frick dans le domaine des business model et produits numériques, ainsi que de notre dynamisme innovant.»
Cela dit, nous sommes très enthousiastes pour le projet. Voyons comment cela se passera. Les vraies annonces devraient avoir lieu en janvier 2019, et nous attendons avec impatience!
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