FINEXITY and Volksbank launch platform for tokenized real asset investments

The Hamburg-based fintech FINEXITY is cooperating with Ihre Volksbank eG Neckar Odenwald Main Tauber to launch "VB Token", a platform for tokenized real asset investments. The aim is to give private customers direct access to digital private debt investments within the cooperative banking network for the first time.

The platform is based on FINEXITY's white-label infrastructure and allows banks to offer tokenized securities without having to set up their own technological or regulatory structures.

Entry into alternative asset classes from 500 euros

VB Token significantly lowers the entry barrier for private market investments: investors can participate from as little as 500 euros. Tokenized bonds are offered in areas such as renewable energies, real estate and infrastructure. The investments are fully digitally accessible and tradable. At the same time, investors receive transparent information on the term, interest rate and project structure.

Network platform for the Association of Volksbanks

VB Token is designed as a central marketplace within the Volksbank network. Other Volksbanks can contribute their own projects and at the same time access supra-regional investment opportunities.

This creates a scalable ecosystem for tokenized assets that connects regional projects with supra-regional capital and enables new forms of financing.

First project is a photovoltaic investment

The "Solar Zeven & Pforzheim" project is being launched. It comprises two photovoltaic roof systems with battery storage at locations in Lower Saxony and Baden-Württemberg.

The systems have an installed capacity of around 720 kWp. Investors receive a fixed interest rate of between 4.0 and 5.5 percent annually as well as an additional performance-related component.

Advantages for investors and banks

For private customers, VB Token opens up access to asset classes that were previously reserved primarily for institutional investors. At the same time, they benefit from digital processing and greater transparency.

Volksbanks can expand their offering to include digital real asset investments without having to set up their own infrastructure. FINEXITY provides an end-to-end solution that includes structuring, tokenization, placement, trading and custody.

Scaling potential in the banking sector

The platform is designed to be rolled out across the entire cooperative banking sector. FINEXITY also sees growth potential in the savings bank environment and the European bond market. With VB Token, the company is positioning itself as an infrastructure provider for the digitalization of capital market products and the tokenization of real assets. The editorial team is not aware of the costs of the product at the time of writing.