Tokenized Assets Singapore: What They Are, Who Uses Them, and What You Need to Know

When we talk about tokenized assets, digital representations of real-world assets like real estate, stocks, or commodities on a blockchain. Also known as digital securities, they let you own a fraction of something valuable without needing to buy the whole thing. In Singapore, this isn’t science fiction—it’s a regulated, growing part of the financial system. Unlike places where crypto is banned or ignored, Singapore’s Monetary Authority (MAS) has been building clear rules since 2019 to let companies issue and trade these assets legally. That means if you’re looking to invest in tokenized real estate, bonds, or even art, Singapore is one of the few places where you can do it without stepping into legal gray areas.

What makes tokenized assets different from regular crypto? They’re tied to something physical or financial—like a building in Orchard Road or shares in a Singapore-based fund. That’s why they’re called tokenized real estate, a blockchain-based way to split ownership of property into digital tokens. Instead of needing $2 million to buy a condo, you might buy 0.5% of it as a token. This isn’t just for rich investors—Singapore’s rules allow retail investors to participate, as long as the platform is licensed by MAS. You’ll find platforms like Maple Finance and SEBA Bank offering these, but only if they follow strict KYC and audit rules. And it’s not just property. Tokenized bonds from government-linked firms and even private equity funds are starting to appear on regulated exchanges like the Singapore Exchange (SGX).

But here’s the catch: not every tokenized asset is safe. Just because something says it’s "Singapore-regulated" doesn’t mean it is. Some projects copy the name to look legit, but have no MAS approval. The MAS has warned investors about fake platforms claiming to offer tokenized assets—many are just phishing sites. Always check the MAS Financial Institutions Directory before investing. And remember: even if the asset is tokenized, you still need to understand the risks. Liquidity can be low, valuations can be unclear, and if the platform fails, recovering your tokens isn’t guaranteed.

Why does this matter now? Because Singapore is pushing to become Asia’s hub for digital finance. In 2024, MAS launched Project Guardian to test tokenized assets across borders, and major banks like DBS and UOB are building their own platforms. If you’re looking to get into crypto but want something tied to real value—not just hype—tokenized assets in Singapore might be your best bet. Below, you’ll find real cases, failed projects, and honest reviews of platforms that claim to offer these assets. Some are legit. Most aren’t. We’ll show you how to tell the difference.