How a regulated UK property platform brought fractional ownership on-chain.
The Client
The platform is an FCA-authorised property crowdfunding firm that has facilitated over £250M in residential and commercial developments. Operating in a highly regulated environment, they specialize in offering retail and institutional investors access to high-yield UK real estate projects via debt and equity structures.
The Challenge
- 01
Manual cap tables leading to operational bottlenecks during growth phases.
- 02
Monthly distributions required significant manpower to reconcile bank records.
- 03
Basic secondary market with high frictional costs and T+5 settlement.
- 04
Limited geographic reach due to complex cross-border KYC/AML requirements.
- 05
5–7 day onboarding for institutional clients due to fragmented data sources.
The Solution
Infrastructure Migration
Transitioned the legacy database to FRACTIONED's private, high-performance ledger, ensuring full mirror-compliance with FCA record-keeping requirements.
Investor Migration
Systematically re-issued over 12,000 existing property interests as digital tokens, providing every investor with a non-custodial wallet integrated directly into their existing dashboard.
New Capabilities
Enabled a real-time secondary marketplace and automated distribution engine using the FRACTIONED API suite.
Products Used
Operational Impact
| Metric | Before Fractioned | With Fractioned |
|---|---|---|
| Settlement Time | T+5 Business Days | Instant (T+0) |
| Admin Hours / Project | 45 Hours/Month | 3 Hours/Month |
| Min Investment Unit | £1,000 | £1.00 |
| Auditability | Periodic / Manual | Real-time / Immutable |
| KYC/AML Lifecycle | Fragmented / Slow | Unified Identity State |
| Distribution Accuracy | 96.2% | 100.0% |
| Investor Retention | 68% | 89% |
| Secondary Liquidity | Low / Peer-to-Peer | High / Automated AMM |
“The shift from manual ledger management to a unified, on-chain infrastructure didn't just save us money—it transformed how our investors perceive liquidity. We've unlocked value in assets that were previously ‘stuck’ for years.”
Why It Worked
The success of this migration was rooted in FRACTIONED's deep understanding of regulatory guardrails. By providing a technology stack that respected the platform's fiduciary responsibilities while offering the technical efficiencies of distributed ledgers, we removed the “crypto-risk” while retaining the “on-chain reward.”
The ability to fractionize assets down to £1 significantly lowered the barrier to entry, increasing the total addressable market for every project by over 400% in the first quarter post-launch.