Fusion of Cryptocurrency and Real Estate: Toward a New Era of Full Regulatory Compliance in Europe

As the real estate market in Southern Europe attracts the attention of international investors, new challenges have emerged. Investors holding digital assets face questions about how to centrally manage the conversion from cryptocurrencies to fiat currencies, multi-jurisdictional legal compliance, and tax procedures when purchasing properties in Spain, Portugal, France, Greece, Montenegro, and other countries.

In response to these difficulties, European law firms and international crypto asset infrastructure providers have collaborated to create a comprehensive solution for the first time. This partnership has established an environment where international investors can acquire properties safely and transparently, fully compliant with European law.

Legal Framework for Crypto Asset Payments in the European Real Estate Market

Participating in this project are Vicox Legal, a leading European law firm specializing in real estate transactions using digital assets, and Banxa, a crypto payment infrastructure provider licensed in over 200 countries.

Banxa is strengthening its presence in Europe by obtaining a MiCA license in the Netherlands through EU Internet Ventures B.V. This allows it to be officially recognized as a CASP (Crypto Asset Service Provider) across 30 European Economic Area countries. Additionally, it holds registration with the UK’s FCA (Financial Conduct Authority), licenses with Australia’s AUSTRAC, Canada’s FINTRAC, and multiple U.S. state money transfer licenses, operating under a global regulatory framework.

Practical Compliance System for Investors

The legal framework provided by Vicox Legal covers all stages with 100% compliance, from verifying property ownership, conducting urban planning checks, title deed verification, source of crypto funds validation, AML/KYC authentication, tax planning, to notarization.

The process begins with identity verification and wallet source of funds checks based on EU and GDPR regulations, followed by comprehensive real estate due diligence. Banxa handles the immediate conversion of regulated crypto assets to fiat currency at this stage, reducing volatility and legal risks. In the final stage, Vicox Legal coordinates notarized signatures, tax filings (ITP, VAT, etc.), and property registration in Spain, Portugal, France, Greece, and Montenegro, also providing post-acquisition tax guidance for non-resident investors.

Expansion of European Real Estate Portfolios with Asian Capital

As interest from Asian markets—such as Taiwan, Hong Kong, Indonesia, Singapore, and Mainland China—rapidly increases, this partnership offers new options for Asian investors. A trusted channel has been established with transparent regulations, secure crypto-to-fiat conversions, and robust legal protections, making European real estate transactions using digital assets a practical option.

The framework also incorporates compatibility with the currency systems of Southern European countries, including Spain, facilitating smooth transactions across multiple currencies.

Turning Point in International Real Estate Payments via Cryptocurrency

Previously, crypto investors purchasing properties in Europe had to go through multiple intermediaries, increasing costs and legal risks. This collaboration is positioned as the first solution to process the entire flow—from digital assets to property registration—within a unified regulatory framework.

The tangible benefit for investors is clear. An independent compliance report certifying the legality of the transaction is available, ensuring legal security at each stage. With expansion into Spain, Portugal, France, Greece, and Montenegro, the range of investment options has significantly widened.

This framework enables investors with global crypto portfolios to engage in real estate investments with compliance standards comparable to traditional fiat currency transactions, while leveraging the liquidity of digital assets. As a nexus between the European real estate market and Asian capital, this collaboration hints at a new paradigm for international investment flows.