1. Cryptocurrencies (Bitcoin, Ethereum) - These are decentralized digital money. Their main function is payments and store of value. They are not backed by anything and exist solely due to market demand and blockchain infrastructure. (Politics, special services, crime) — this makes them a very shaky topic for small investors
2. Tokens (including NBX) - A token is a digital representation of a specific value. It can be backed by real assets: real estate, businesses, shares, or projects. A token is not a cryptocurrency. It is a digital form of liquid assets (metals, real estate) or rights (to income, equity, or an asset). Our first tokens, issued for the unique project — NBX Club — grow in value due to the ecosystem's activity, meaning they directly depend on the club members themselves and the projects that emerge through partnerships among smart people from different countries. And, of course, on participation in projects of major global companies, to which club members gain access through our ecosystem connected to the largest international investor platforms
3. 3. NFTs (Non-Fungible Tokens) - These are unique digital objects. Each NFT acts as a digital "certificate of ownership" for a specific item: a painting, document, ticket, or digital art. They are non-fungible - no two NFTs are ever equal to each other
4. Stablecoins (USDT, USDC) - Digital tokens pegged 1:1 to real currency. They are used as "digital dollars" for transfers and settlements

Key Differences:
Crypto — is money.
NFTs — are unique digital items.
Real-world asset tokens — are digital shares in the real economy.

Tokenization is the biggest financial innovation since double-entry bookkeeping, comparable to the internet's impact. It enables near-instant settlements, reduces intermediaries and costs, eliminates counterparty risks, and democratizes access to illiquid private assets through fractionalization.
The RWA market is growing rapidly, integrating blockchain with traditional finance into a unified digital infrastructure — not competing, but converging. Currently at a "1996 internet" stage (high potential, immature), it requires clear regulations for scaling, while developed jurisdictions risk lagging behind faster-adopting regions. Crucially, the asset's economic nature remains unchanged

Tokenization from Larry Fink's Perspective

Tokenization from Larry Fink's Perspective

Tokenization is regarded as the most significant technological shift in finance since the invention of double-entry bookkeeping. According to BlackRock CEO Larry Fink and the company's leadership, it lays the foundation for the next era of financial infrastructure, comparable in importance to the emergence of the internet.

Over decades, financial markets have evolved gradually: the SWIFT system in the 1970s, the internet in the 1990s, and high-frequency trading in recent years. Today, a new stage is beginning, based on digital ledgers that record asset ownership and enable near-instantaneous transfers. This reduces the number of intermediaries, lowers operational costs, and eliminates complex, outdated processes.

The key advantage of tokenization is the acceleration of settlements. In traditional markets, transactions settle with delays (T+1, T+2, and weeks for private assets), creating counterparty risk and systemic mismatches across markets. Tokenization enables near-real-time settlements, enhancing the resilience and efficiency of the financial system.

A second important effect is expanded access to private assets. Private markets are vast in volume but closed, illiquid, and expensive for most investors. Tokenization converts such assets into digital form, fractionalizes them into smaller shares, and makes them accessible to a broader range of participants while simultaneously reducing transaction costs.

The process has already begun: the market for tokenized real-world assets (Real World Assets, RWA) is demonstrating rapid growth, particularly in developing countries where traditional banking infrastructure is limited. In parallel, digital financial instruments are increasingly integrating into regulated markets, confirming the convergence of traditional finance and blockchain technologies.

At the same time, there is a regulatory paradox: although many leading stablecoin companies are based in the US, it is precisely the developed jurisdictions— the US, UK, and EU—that risk falling behind regions where tokenization is being implemented faster in practice. Global leadership is not guaranteed, as innovations can develop quicker than the regulatory framework.

The current stage of tokenization's development is compared to the internet of 1996—a technology with enormous potential but still far from maturity. This is not about competition between traditional finance and blockchain, but about forming a unified infrastructure where stocks, bonds, and digital assets can coexist in a single digital ecosystem.

For tokenization to scale, clear rules are needed: investor protection, transparency, standards for managing counterparty risk, and unified digital identification. The key principle is that the economic essence of the asset does not change: a bond remains a bond, even if it is represented as a token on the blockchain.

Token backed by a real asset is your capital secured on the blockchain with legal protection. It cannot be stolen, it won't depreciate like cryptocurrency, and it can be sold, used as collateral, or passed on through inheritance. It is a digital key to real property, not just a coin on the internet.
Thus, the main difference is that cryptocurrency lives "in the air" and relies on market expectations, while NBX industrial tokens live "on the ground" and are backed by production, equipment, and tangible products.

Classic Crypto vs NBX Industrial Tokens

Classic Crypto vs NBX Industrial Tokens

The main difference: Cryptocurrency lives "in the air" and relies on market expectations. NBX industrial tokens live "on the ground" and are backed by production, equipment, and tangible products.
"We don't sell empty promises. We create tokens backed by products, metal, and energy."

In Summary

• Cryptocurrency is a tool for speculation and a bet on technology. A token backed by a real asset is a tool for preserving and growing capital with legal protection. Below are the key arguments for clients on why it's worth tokenizing assets rather than just buying crypto.
• Real backing and protection from "airiness." Cryptocurrency relies on demand and trust in the network. A token backed by real estate, metal, or business always has tangible value. Even if the crypto market crashes, you retain rights to the real asset. This reduces the risk of total capital loss.
• Named ownership = protection against theft and loss. If your BTC is stolen, it's impossible to recover. A named token is tied to a specific owner on the blockchain and can be restored by the issuer upon proof of ownership.
• Transparent legal framework. Cryptocurrency remains in a gray area in many countries. Tokenization through a licensed platform operates within the law (Switzerland, Luxembourg), with contracts and property rights.
• Ability to use the token as collateral. BTC can only be sold. A named token backed by real estate or gold can be pledged for investments or loans without selling the underlying asset.
• Privacy without going underground. Crypto exchanges require KYC, making transactions visible to tax authorities. Tokenization allows building a confidential ownership structure where information is held by the issuer, not on a public blockchain.
• Liquidity without selling the entire asset. Selling a portion of real estate or business without tokens is nearly impossible. With tokenization, you can sell 1% or 5% while keeping the rest.
• Compatibility with crypto, not competition. The token can be sold for USDT, BTC, or ETH, but it always remains tied to real value. This is a balance between the digital and physical economies.

Conclusion: A token backed by a real asset is your capital secured on the blockchain with legal protection. It cannot be stolen, it won't depreciate like crypto, and it can be sold, used as collateral, or inherited. It is a digital key to real property, not just a coin on the internet.

Tokenization of financial instruments is an irreversible trend. However, two distinct models have emerged: the corporate (banking and fund-based) model and the individual (personal ownership) model.
Both rely on the same blockchain technology, yet they differ fundamentally in one key aspect—who truly owns and controls the tokens.
The corporate model keeps power concentrated with financial giants, while the individual model restores direct control to the investor, offering greater independence and flexibility.

Two Models of Asset Tokenization:
Corporate Control vs. Personal Ownership

Two Models of Asset Tokenization:

Corporate Control vs. Personal Ownership

Tokenization of financial instruments is becoming an irreversible trend. However, it is critically important to distinguish between two models of tokenization: the corporate (banking and fund-based) model and the individual (personal ownership) model.

Corporate Model
Tokens are issued and controlled by major players (BlackRock, JP Morgan, Vanguard, etc.). The investor gains access to a digital product but does not own the token directly. All keys and control remain with the corporations. In essence, this is an updated form of traditional banking intermediation.
Risks:
Complete dependence on the bank or fund, and virtually total loss of control over the asset.

Individual Model

• The token is created for the owner's specific asset.
• Tokens are stored in the owner's own cold wallet.
• Keys are held by the owner, not by an intermediary. Full control over the asset remains with the owner.
• Transparency, independence, and protection against corporate redistribution.
• All such tokens are named (registered to a specific owner), with legal backing. They can be sold, used as collateral, transferred, and recorded on the blockchain.

Conclusion Both models use the same technologies but differ in a fundamental aspect: who owns and controls the tokens. The corporate model consolidates power with financial giants, while the individual model returns control to the investor and provides room for maneuver according to their own preferences.

NBX Capital AG is a Swiss-based next-generation digital hub specializing in tokenizing small to medium-sized assets (1–100 million CHF), filling a market gap where Europe focuses on large pools (over 36 billion CHF tokenized on a partnered Luxembourg platform).
By creating liquid pools from a "mosaic" of such assets — combining reliable Western European ones with high-yield Eurasian projects — NBX attracts institutional investors and introduces a new investment class.
This unique positioning drives rapid share value growth through niche dominance, scalable international operations, stable fees, and strong interest from global players, positioning NBX as a future leader in worldwide tokenization.

NBX Capital AG

NBX Capital AG is being established in Switzerland as a next-generation digital hub, with a unique specialization in the tokenization of small and medium-sized assets (from 1 to 100 million CHF).
Today, the European tokenization market is developing around large asset pools — more than 36 billion CHF has already been tokenized on a single licensed platform in Luxembourg, with which we collaborate.

However, no company is systematically focusing on the tokenization of small and medium-sized assets. This is our key USP: we are the first in the market to create liquid pools from a “mosaic” of assets that, when combined, become attractive to institutional investors.

Additionally, NBX brings together assets from Western Europe and Eurasia in a single digital format, creating an entirely new class of investment products where the reliability of European assets is combined with high-yield Eurasian projects.
Thanks to this, NBX Capital AG shares have significant growth potential:

• Accelerated capitalization due to our unique niche;
• Scalable turnover within an international ecosystem;
• Stable fees from every transaction and dividend prospects.

We are already seeing strong interest in the project from major players. In private conversations, we have received direct signals: “Build the infrastructure, launch the processes — and you will get an offer that will be extremely hard to refuse.” This indicates that NBX Capital AG has not only organic growth potential but also strategic value for global market leaders.

Thus, NBX is not just a startup, but a future major player in global tokenization, with prospects for very rapid capitalization growth and returns for shareholders.

NBX Capital AG issues a digital equivalent — tokens — for each asset, which are legally validated and regulated under Swiss law. These tokens represent your property rights and are secured in an international blockchain system.

1. Your Control. You receive an official digital certificate and can store the tokens in your personal wallet (on a smartphone or USB drive). This creates the assurance that your asset is truly "in your hands."
2. Our Protection. Even if access to the wallet is lost, your rights to the asset remain intact: as the issuer, we have the authority and technical capability to restore the tokens and transfer them to your new wallet. Thus, the risk of loss is eliminated.
3. Security and Regulation. All operations are conducted through a licensed European platform where assets worth tens of billions of euros have already been tokenized. This ensures transparency, protection, and international recognition.

In the end, the owner gains personal control and peace of mind, while NBX Capital provides protection and legal validity for their digital asset.

Token Ownership Mechanism in NBX Capital AG

The traditional financial system is failing investors with low yields (2-3%), restricted access, high risks, and increasing control through mechanisms like CBDCs and potential bail-ins, especially amid the 2025-2027 global reset driven by automation, conflicts, and social shifts. Major institutions like BlackRock (BUIDL fund >$2B AUM), Goldman Sachs, and others are already tokenizing assets for instant settlements and efficiency, demonstrating the technology's rapid adoption.
Tokens offer superior liquidity (24/7 trading), reliability (backed by real assets), flexibility (self-custody without bank approval), access to DeFi, enhanced transparency, and social capital. NBX Capital AG, a Swiss platform, enables private owners to tokenize small assets with named, legally secure tokens, allowing sales, collateral use, real project investments, and syndicated deals across sectors like agriculture and industry.

NBX Capital: Tokenization as a Strategic Solution for the New World of Capital

NBX Capital: Tokenization as a Strategic Solution for the New World of Capital

1. Why the Traditional System No Longer Works
Over 35 trillion euros in Europe are invested in banking products: bonds, structured notes, and funds. They formally promise 2-3% annual returns, but this is a trap. Access to funds is restricted, risks are high, and control lies not with the client.
Banks dictate terms, liquidity, and risks. Investors are limited in their actions, and in a crisis, they can lose everything: account freezes, bail-ins, capital taxes.
Bank digitization is not liberation but control: CBDCs (central bank digital currencies) restrict access to your funds, impose limits, and enable tracking.
2025-2027: The era of breaking the old system. The world is entering a cycle of global financial reset. The middle and working classes are under pressure — automation, conflicts, migration, and social shifts.
Old tools provide no freedom — only the illusion of it.

2. How Tokens Work: Examples from Leading Players
BlackRock — BUIDL fund (on Ethereum), tokenized bonds and cash. By late 2025, AUM exceeds $2 billion, with over $100 million in dividends paid.
Goldman Sachs and BNY Mellon — money market fund tokens on GS DAP. Supported by BlackRock, Fidelity, Federated Hermes — $6.75 billion. Franklin Templeton, Citigroup, Chainlink, IBM tokenize assets: from patents to deposits. Transaction times — minutes, not days.
Example:
Tokenization of a mall in Dubai. An investor with $10,000 entered alongside billionaires. Within a year, capital grew, and connections and status changed dramatically. This is not just profit; it's a social elevator.
The real-world assets (RWA) tokenization market is growing rapidly and, as of late 2025, reaches around $18-30 billion (excluding stablecoins and some private assets).
Major global investors — from the US to Russia, China to India, Japan to the UAE — are increasingly launching large-scale tokenization of their own assets. This choice is driven by two key factors: the need for preventive protection against escalating geopolitical and geo-economic risks, and the desire to capitalize on the potential revaluation of tokenized assets, which could significantly increase in value in the future and strengthen investors' positions in the new global economic architecture.
Thus, tokenization provides a dual effect: it serves a protective function by hedging systemic risks, and a strategic one by creating potential for higher returns and greater competitiveness.
Tokenization processes are not limited to Eurasia. They are reflected in other high-potential regions, creating new opportunities for institutional and private investors. The gradual shift toward digitization and asset tokenization is becoming a key stage in redefining international economic dynamics, changing the rules of the game in global markets and laying the foundation for the future financial architecture.

3. Advantages of Tokens Over Traditional Instruments:

• Liquidity: 24/7 access, instant sale or exchange for USDT
• Reliability: Token backed by a real asset (bond, building, enterprise)
• Flexibility: No bank permission needed — the token is in your wallet
• Access to DeFi and global investment flows: Where the money is, there are opportunities
• Reputation: Participation in token projects with major players — social capital
• Transparency: Ownership rights recorded on the blockchain, impossible to forge or dispute

4. What NBX Capital AG Offers
NBX is a Swiss company creating a tokenization platform for private owners of small assets.
We offer:

• Tokenization of your assets (bonds, deposits, notes, real estate, business shares)
• Named tokens — no anonymity, with legal purity
• Ability to sell the token, use it as collateral, invest in real projects
• Owners' alliance — pooling with other investors in syndicated deals (agriculture, industry, land, logistics)

Examples:
In the case of selling a house. Many owners don't understand: if a house is worth €2,000,000 on the market and doesn't sell even for €1.5 million, why would anyone buy its tokenized asset? The answer is simple: on the local market, the property may indeed "stagnate," but in the tokenization system, it becomes part of a pool.
We act as a digital hub on an international platform. This allows international investors to see not just one house, but its inclusion in the overall "mosaic" of assets. Institutional players don't buy individual houses, but they readily enter portfolios worth €100-200 million. This is how a single house in Germany or Italy becomes part of a global asset palette available to investors on our platform.
Yes, a 10–15% discount is the price for liquidity and player interest. But in the end, the owner gets cash for an asset that might otherwise sit idle for years. This is how the modern market works: a mosaic of small objects turns into a large and attractive portfolio.
Instead of selling the house, it can be tokenized and the house tokens used as collateral to obtain industrial tokens or tokens linked to high-liquidity pools, enabling returns of 20–25% annually (in some projects, even higher).
A similar approach applies to business: a company can be tokenized to simplify scaling and international expansion. For example, issue a certain number of tokens tied to the company's real value, including revenue, and then decide to keep these tokens as the core business value. Additionally, issue tokens reflecting the company's future potential, use them as collateral to acquire other corporate tokens in high-liquidity pools, or attract international investments for further business development.

NBX Club unites investors who view capital as a dynamic resource creating value through competent and structured management, offering a flexible, intelligent, and fully transparent investment system where every process is controlled and clearly understandable.

NBX Club — A New Format of Investments