As we look ahead to 2025, tokenization for SMEs is emerging as a game-changer. This technology, which turns real-world assets into digital tokens, is reshaping how small and medium-sized enterprises operate and access capital. By leveraging blockchain technology, SMEs can enhance their financial strategies and tap into new markets. However, while the potential is vast, there are hurdles to overcome. This article explores the implications of tokenization for SMEs, highlighting both the opportunities and challenges that lie ahead.
Key Takeaways
- Tokenization can lower costs and improve access to capital for SMEs.
- Blockchain technology enhances transaction speed and market efficiency.
- Tokenization opens up new investment opportunities for small investors.
- Regulatory clarity is crucial for the widespread adoption of tokenized assets.
- SMEs need a clear strategy to navigate the challenges of tokenization.
Understanding Tokenization for SMEs
Definition of Tokenization
Tokenization, at its core, is the process of converting rights or assets into a digital token that exists on a blockchain. Think of it like turning a physical object, like a piece of real estate or a share of stock, into a digital representation that can be easily traded and managed. This digital representation simplifies ownership and transfer, making it more accessible and efficient. It's not just about creating a digital copy; it's about creating a new way to interact with and manage assets. Tokenization solutions safeguard sensitive data and are tailored to specific client needs.
Benefits of Tokenization
For small and medium-sized enterprises (SMEs), tokenization can bring a bunch of advantages. It's like giving your business a financial makeover. Here are a few key benefits:
- Increased Access to Capital: Tokenization allows SMEs to tap into a global pool of investors, making it easier to raise funds. Forget about traditional bank loans; you can sell tokens representing a portion of your business or assets directly to investors.
- Improved Liquidity: Tokenized assets can be traded more easily than traditional assets, providing greater liquidity for SMEs. This means you can convert assets into cash more quickly when needed.
- Reduced Costs: Tokenization can eliminate intermediaries, reducing transaction costs and streamlining processes. Think fewer fees and faster transactions.
Tokenization offers SMEs a chance to modernize their financial operations, attract new investors, and improve their overall efficiency. It's not a magic bullet, but it can be a powerful tool for growth.
Challenges in Implementation
While tokenization offers many benefits, it's not without its challenges. SMEs need to be aware of these hurdles before diving in:
- Regulatory Uncertainty: The regulatory landscape for tokenization is still evolving, which can create uncertainty and compliance challenges for SMEs. It's important to stay informed about the latest regulations in your jurisdiction.
- Technological Complexity: Implementing tokenization requires technical expertise, which can be a barrier for some SMEs. You may need to hire developers or work with a specialized platform.
- Market Volatility: The value of tokens can be volatile, which can pose a risk to SMEs. It's important to manage this risk by diversifying your token portfolio and understanding market trends.
| Challenge | Description
The Role of Blockchain Technology
Blockchain tech is super important for tokenization. It's the base that makes everything secure and transparent. Let's get into how it all works.
How Blockchain Works
Okay, so imagine a digital ledger that everyone can see, but no one can mess with on their own. That's basically blockchain. Each transaction gets added as a "block" to this chain, and once it's there, it's permanent. It's like a super secure record-keeping system. This blockchain acceptance is growing in popularity among SMEs.
Advantages of Blockchain for SMEs
Why should small and medium-sized enterprises care about blockchain? Well, there are a few big reasons:
- Security: Blockchain is really hard to hack, which is great for keeping your data safe.
- Transparency: Everyone can see the transactions, so there's less room for shady stuff.
- Efficiency: It can speed up processes and cut out middlemen, saving you time and money.
Blockchain can really change how SMEs do business. It's not just about the tech; it's about building trust and making things more efficient.
Challenges with Blockchain Adoption
It's not all sunshine and roses, though. There are some challenges to keep in mind:
- Complexity: Blockchain can be tough to understand, especially if you're not a tech person.
- Scalability: Some blockchains can be slow when there are a lot of transactions.
- Regulation: The rules around blockchain are still evolving, which can be confusing. SMEs need a solid tokenization strategy playbook to navigate these challenges.
Even with these challenges, blockchain is a game-changer for SMEs looking to get into tokenization. It's worth taking the time to learn about and figure out how it can help your business.
Access to Capital Through Tokenization
Tokenization is changing how small and medium-sized enterprises (SMEs) can get funding. It's not just about getting money; it's about changing the whole game. Think of it as opening up new avenues that were previously closed off.
Direct Investment Opportunities
Tokenization lets SMEs offer direct investment opportunities to a wider pool of investors. Instead of going through traditional routes like banks or venture capitalists, SMEs can issue digital tokens representing ownership or rights in their business. This cuts out the middleman and allows SMEs to connect directly with investors who believe in their vision. It's like crowdfunding but with more structure and potential for liquidity. Imagine a local bakery tokenizing a portion of its future profits to fund an expansion – loyal customers can invest directly and share in the bakery's success.
Lowering Borrowing Costs
Traditional borrowing can be expensive for SMEs, with high interest rates and strict requirements. Tokenization can lower these costs by creating new ways to access debt financing. By tokenizing assets or future revenues, SMEs can offer investors a more secure and transparent investment opportunity, potentially leading to lower interest rates. This is because tokenization increases transparency and reduces the risk for investors, who can then accept lower returns. It's a win-win situation: SMEs get cheaper capital, and investors get a more secure investment.
Innovative Debt Products
Tokenization is also leading to the creation of innovative debt products tailored to the specific needs of SMEs. These products can range from revenue-sharing tokens to asset-backed tokens, offering flexible and creative ways to raise capital. For example:
- Revenue-Sharing Tokens: Investors receive a portion of the company's revenue in exchange for their investment.
- Asset-Backed Tokens: Debt is secured by real-world assets, such as real estate or equipment.
- Dynamic Interest Rate Tokens: Interest rates adjust automatically based on market conditions.
Tokenization is breaking down barriers and opening up new possibilities for investors. It's about making traditionally exclusive assets more accessible to a wider audience. This shift is not just about technology; it's about democratizing finance.
Tokenization and Market Efficiency
Tokenization is changing how markets work, making them more efficient. It's like streamlining a factory assembly line, but for finance. Think about it: fewer steps, less waiting, and things just moving faster. This is what tokenization aims to bring to the table.
Reducing Intermediaries
One of the biggest changes tokenization brings is cutting out the middleman. Traditionally, financial transactions involve several intermediaries, each taking a cut and adding to the overall time and cost. Tokenization allows for direct interaction between parties, which can significantly reduce these costs and delays. This direct access can level the playing field, especially for smaller players.
For example, consider a small business seeking investment. Instead of going through layers of banks and venture capitalists, they can tokenize their assets and offer them directly to investors. This disintermediation not only saves money but also gives the business more control over its fundraising process. The need for simple tokenization solutions is evident.
Enhancing Liquidity
Liquidity, or how easily an asset can be bought or sold without affecting its price, is a big deal in finance. Tokenization can make illiquid assets more liquid. Think about real estate, for instance. Selling a property can take months, even years. But if that property is tokenized, suddenly it can be divided into smaller, more easily tradable units.
Here's how it breaks down:
- Fractional Ownership: Tokenization allows for fractional ownership, meaning more people can afford to invest in high-value assets.
- 24/7 Trading: Unlike traditional markets with set hours, tokenized assets can be traded around the clock, increasing liquidity.
- Global Reach: Tokenization opens up assets to a global pool of investors, further boosting liquidity.
Tokenization isn't just about making things faster; it's about making markets more accessible and dynamic. By breaking down barriers to entry and increasing the speed of transactions, it has the potential to transform how we think about investing and asset ownership.
Improving Transaction Speed
Traditional financial transactions can be slow. Clearing and settlement processes often take days, sometimes even weeks. Tokenization, especially when combined with blockchain technology, can drastically reduce these times. Smart contracts automate many of the steps involved, making transactions nearly instantaneous. This speed is a game-changer for businesses that need quick access to funds or want to execute trades rapidly. This is especially important when considering tokenization market challenges.
Consider these points:
- Automated Processes: Smart contracts automate many manual processes, reducing the need for human intervention.
- Faster Settlement: Transactions can settle in minutes or even seconds, compared to days in traditional systems.
- Reduced Errors: Automation reduces the risk of human error, leading to more accurate and efficient transactions.
Regulatory Landscape for Tokenization
Current Regulations
Right now, the regulatory scene for tokenization is a bit like the Wild West. Governments around the world are trying to figure out how to handle these new digital assets. They're walking a tightrope, trying to encourage innovation while also protecting investors. The big challenge is that there's no one-size-fits-all approach. Some countries are trying to squeeze tokens into existing rules, while others are creating entirely new frameworks. For example, the EU's Markets in Crypto-Assets (MiCA) regulation is a big step toward clear rules for crypto assets, including tokens. Other countries are watching MiCA closely before making their own moves. It's a mixed bag, with some places being more open to tokenization than others. This makes regulatory compliance risks a real concern for SMEs.
Future Regulatory Trends
Looking ahead to 2025, we can expect some key trends to emerge. First, there will be a push for greater international cooperation. Countries will start talking to each other more to create consistent rules. Second, we'll see more clarity on how tokens are classified. Are they securities? Commodities? The answer matters because it determines which regulations apply. Third, there will be a focus on investor protection. Regulators will want to make sure that investors are informed about the risks of tokenization and that they have recourse if something goes wrong.
- Increased cross-border trading of tokenized assets.
- Greater institutional confidence.
- Acceleration of mainstream adoption.
Regulatory clarity is essential for the widespread adoption of tokenization. Without it, businesses are hesitant to invest, and investors are wary of putting their money into something that could be deemed illegal or non-compliant down the line.
Impact on SMEs
So, how does all of this affect small and medium-sized enterprises (SMEs)? Well, the regulatory landscape can be a double-edged sword. On the one hand, clear regulations can provide a framework for SMEs to operate within, giving them the confidence to explore tokenization. On the other hand, complex or inconsistent regulations can create barriers to entry, making it difficult for SMEs to compete with larger companies that have more resources to navigate the legal landscape. It's crucial for SMEs to stay informed about regulatory developments and to seek legal advice to ensure they're complying with all applicable laws. Navigating the tokenization process can be tricky, but understanding the rules of the game is the first step. Here's a quick look at some potential impacts:
| Impact Area | Description
Tokenization of Assets: A New Frontier
Tokenization is really changing things, especially when it comes to assets. It's not just about cryptocurrency anymore. We're talking about turning real-world assets into digital tokens. Think of it as taking something like a piece of real estate, a work of art, or even intellectual property and creating a digital representation of it on a blockchain. This opens up a whole new world of possibilities for how these assets are managed, traded, and invested in. It's a pretty big deal, and it's only going to get bigger.
Types of Tokenized Assets
So, what kind of assets are we talking about? Well, pretty much anything can be tokenized. Here are a few examples:
- Real Estate: Imagine owning a fraction of a building without having to go through all the traditional paperwork. Tokenization makes this possible.
- Art: High-value art can be tokenized, allowing multiple people to own a piece of a masterpiece. It's like crowdfunding for art.
- Commodities: Gold, oil, and other commodities can be represented as tokens, making them easier to trade and manage.
- Intellectual Property: Patents, copyrights, and trademarks can be tokenized, creating new ways to license and monetize these assets.
- Debt Instruments: Even bonds and loans can be tokenized, streamlining the process and potentially lowering costs.
Market Trends in Tokenization
The market for tokenized assets is growing fast. More and more institutions are getting involved, and we're seeing some interesting trends.
- Increased Institutional Adoption: Big players like JPMorgan Chase and BlackRock are exploring tokenization, which adds credibility to the space.
- Growing Market Value: The value of tokenized assets is increasing rapidly, with some projections estimating it could reach trillions of dollars by 2030.
- Expanding Use Cases: Tokenization is being used for more than just trading. It's also being used for things like supply chain management and identity verification.
Tokenization is breaking down barriers and opening up new possibilities for investors. It's about making traditionally exclusive assets more accessible to a wider audience. This shift is not just about technology; it's about democratizing finance.
Case Studies of Successful Tokenization
Let's look at some real-world examples of how tokenization is being used successfully:
- Real Estate Tokenization: Platforms like Lofty are allowing people to invest in fractions of rental properties, making real estate investment more accessible.
- Tokenized Treasury Bonds: Projects like Swarm are offering tokenized Treasury Bond products, enabling fractional ownership and real-time liquidity on decentralized platforms.
- Tokenized Funds: BlackRock's BUIDL fund is a great example of a major institution getting into tokenization. It shows they're serious about using blockchain and tokenization in their everyday financial services.
Tokenization of alternative assets is still pretty new, but it has the potential to change how we think about investing and asset management. It's something to keep an eye on as it continues to develop.
The Impact of Tokenization on Investment Strategies
Tokenization is shaking up the investment world, offering new ways to diversify, manage risk, and potentially boost returns. It's not just for big institutions anymore; smaller investors are starting to see the benefits too. Let's take a look at how tokenization is changing the game.
Diversification Opportunities
Tokenization lets you invest in fractions of assets that were previously out of reach. Think of owning a piece of a high-end real estate property or a rare collectible without needing to shell out millions. This fractional ownership opens doors to a wider range of investment options, allowing for better diversification. Instead of putting all your eggs in one basket, you can spread your investments across different asset classes and reduce overall risk. For example, you could invest in tokenized real-world assets to diversify your portfolio.
Risk Management
Tokenization can also help with risk management. By diversifying into smaller fractions of different assets, you're less exposed to the volatility of any single investment. Plus, the transparency and efficiency of blockchain technology can provide better insights into the risks associated with each asset. Imagine being able to track the performance of your investments in real-time and make informed decisions based on accurate data. This is especially useful in volatile markets where quick reactions can make a big difference. Tokenized funds are also changing how institutions invest, offering better liquidity and making operations more efficient.
Long-term Investment Potential
Tokenization isn't just a short-term trend; it has the potential to reshape long-term investment strategies. As the market matures and more assets become tokenized, investors will have access to a broader range of opportunities and more efficient ways to manage their portfolios. The ability to trade assets 24/7 and settle transactions faster can lead to increased liquidity and potentially higher returns over time. Plus, the lower barriers to entry can attract new investors, further fueling market growth. The market for tokenized funds is expected to grow exponentially, potentially reaching trillions in value by 2030.
Tokenization is still pretty new, and there's a lot we don't know. It's important to remember that past performance is no guarantee of future results, and that any investment involves risk. Don't put all your eggs in one basket, and always do your own research before investing in anything.
Tokenization and Financial Inclusion
Tokenization is starting to change who gets to play in the financial world. It's not just for big institutions anymore; it's opening doors for smaller investors and people who've been left out. Think of it as leveling the playing field, giving more folks a chance to build wealth and participate in the global economy. It's about making finance more democratic, one token at a time.
Empowering Small Investors
Tokenization lets people invest smaller amounts than before. Instead of needing a ton of money to buy a whole asset, you can buy a fraction of it. This is huge for small investors who couldn't participate in certain markets before. Imagine being able to own a piece of a fancy real estate project or a high-value artwork without breaking the bank. It's all about fractional ownership, and it's making investment more accessible.
Access to Global Markets
Tokenization breaks down geographical barriers. Suddenly, investors in developing countries can access opportunities that were previously out of reach. It's like having a global passport for your money, allowing you to invest in projects and assets from all over the world. This not only diversifies investment portfolios but also helps channel capital to where it's needed most, fostering economic growth in emerging markets. This is especially true for tokenized real estate.
Reducing Barriers to Entry
Tokenization simplifies a lot of the complicated processes that used to keep people out of the investment game. No more endless paperwork or dealing with layers of intermediaries. It's streamlining the whole process, making it easier and cheaper for anyone to get involved. This reduction in friction is key to bringing more people into the financial system and promoting financial inclusion. The rise of alternative asset tokenization is a great example of this.
Tokenization is more than just a tech upgrade; it's a social shift. It's about creating a financial system that's open to everyone, regardless of their background or location. By lowering barriers to entry and providing access to global markets, tokenization is empowering individuals and communities to take control of their financial futures.
Technological Innovations Driving Tokenization
Tokenization is gaining serious traction, and a lot of that comes down to the cool tech that's making it all possible. It's more than just putting assets on a blockchain; it's about making the whole thing easier, safer, and more open. Let's check out some of the key innovations.
Smart Contracts
Smart contracts are a big deal. They're basically self-executing contracts written in code. This means agreements can be automatically enforced when certain conditions are met. Think of it like this: you tokenize a rental property, and the smart contract automatically distributes rent to token holders based on their share. No need for a property manager to manually send out payments. It cuts down on costs and makes things way more efficient. They also help with payment security by automating processes and reducing the risk of human error.
Interoperability Solutions
One of the biggest challenges with blockchain is that different blockchains don't always talk to each other. Interoperability solutions are trying to fix that. They're building bridges between different blockchains so that tokenized assets can move freely between them. This is super important for liquidity. If your token can only be traded on one small exchange, it's not going to be worth much. But if it can be traded on multiple exchanges across different blockchains, it becomes way more attractive to investors.
Data Security Enhancements
Security is always a top concern, especially when dealing with valuable assets. There are a bunch of new technologies being developed to make tokenization more secure. This includes things like:
- Multi-signature wallets: Requiring multiple approvals for transactions.
- Hardware security modules (HSMs): Storing private keys in secure hardware devices.
- Advanced encryption techniques: Protecting data both in transit and at rest.
These advancements are not just about preventing hacks; they're also about building trust. If people don't trust the security of a tokenization platform, they're not going to use it. So, investing in data security is essential for the long-term success of tokenization.
Here's a quick look at how these technologies are impacting the market:
| Technology | Impact
Future Outlook for Tokenization in 2025
Predicted Market Growth
The tokenization market is poised for substantial expansion. Current projections estimate the market will grow from $3.38 billion in 2024 to $4.13 billion in 2025, reflecting a compound annual growth rate (CAGR) of 22.1%. Looking further ahead, the market is expected to reach $10.65 billion by 2029, with a CAGR of 26.8%. This growth is fueled by increasing adoption across various sectors and the continued evolution of blockchain technology.
- Increasing mobile and contactless payments
- Healthcare data security
- Supply chain security
Emerging Trends
Several key trends are shaping the future of tokenization. One significant trend is the integration of blockchain technology, which enhances security and transparency. The tokenization of physical assets is also gaining traction, allowing for fractional ownership and increased liquidity. Non-fungible tokens (NFTs) continue to evolve, finding new applications in various industries. AI and machine learning are being integrated to improve efficiency and decision-making in tokenized ecosystems. Finally, Tokenization as a Service (TaaS) is emerging as a viable option for businesses looking to implement tokenization without significant upfront investment. These trends are expected to drive further innovation and adoption in the coming years. The rise of tokenized securities platforms will also play a key role.
Strategic Recommendations for SMEs
For SMEs looking to capitalize on the opportunities presented by tokenization, a few strategic recommendations are essential. First, SMEs should identify specific use cases where tokenization can address existing challenges or create new revenue streams. Developing a clear roadmap for implementation is also crucial, outlining the steps involved and the resources required. Engaging with relevant stakeholders, including technology providers, legal experts, and potential investors, is essential for successful tokenization initiatives. SMEs should also prioritize data security and compliance with relevant regulations to ensure the long-term viability of their tokenization strategies. Consider the benefits of managed services to help with the implementation.
SMEs should focus on building a strong understanding of the regulatory landscape and technological requirements to navigate the complexities of tokenization effectively. This includes staying informed about evolving regulations and investing in the necessary infrastructure and expertise.
Challenges and Risks of Tokenization for SMEs
Tokenization presents exciting opportunities for SMEs, but it's not without its hurdles. Understanding these challenges is key to successful implementation. It's not all sunshine and roses; there are definitely some potential pitfalls to watch out for.
Market Volatility
One of the biggest concerns is market volatility. The value of tokenized assets, especially cryptocurrencies, can fluctuate wildly. This can make it difficult for SMEs to plan their finances and manage risk. Imagine tokenizing a portion of your company's assets, only to see their value plummet overnight. That's a real possibility, and it's something SMEs need to be prepared for.
Regulatory Compliance Risks
Navigating the regulatory landscape is another major challenge. The rules surrounding tokenization are still evolving, and they vary from country to country. SMEs need to ensure they're complying with all applicable laws and regulations, which can be a complex and time-consuming process. Failing to do so could result in hefty fines or even legal action. It's like trying to build a house on shifting sand – the rules keep changing, and it's hard to know where you stand.
Technological Barriers
Tokenization relies on blockchain technology, which can be complex and intimidating for SMEs that lack technical expertise. Setting up the necessary infrastructure, integrating it with existing systems, and ensuring data security can be a significant undertaking. It's not as simple as flipping a switch; it requires a solid understanding of the technology and a willingness to invest in the necessary resources. For many SMEs, this can be a major barrier to entry.
Tokenization is not a magic bullet. It requires careful planning, a thorough understanding of the risks involved, and a commitment to ongoing monitoring and management. SMEs need to weigh the potential benefits against the challenges and risks before deciding whether to pursue tokenization.
Here's a quick look at some of the key challenges:
- Complexity: The tokenization process itself can be complex, involving multiple steps and requiring specialized knowledge.
- Interoperability: Ensuring that different tokenization platforms and systems can work together seamlessly is crucial for widespread adoption.
- Security: Protecting tokenized assets from theft and cyberattacks is paramount. SMEs need to implement robust security measures to safeguard their investments.
Building a Tokenization Strategy for SMEs
Tokenization can seem daunting, but it's really about finding the right fit for your business. It's not a one-size-fits-all solution, and a thoughtful strategy is key. Let's break down how SMEs can approach building their own tokenization strategy.
Identifying Use Cases
First, figure out why you want to tokenize. What problem are you trying to solve? Is it about raising capital, improving liquidity, or something else? The most successful tokenization projects start with a clear understanding of the business need. Don't just jump on the bandwagon because it's trendy. Think about your specific challenges and how tokenization might address them. For example, if you're struggling with traditional funding, direct investment opportunities through tokenization could be a game-changer.
Here are some potential use cases to consider:
- Fractional Ownership: Tokenizing assets to allow smaller investments.
- Loyalty Programs: Creating tokens as rewards for customer loyalty.
- Supply Chain Management: Tracking goods and materials using tokens.
Developing a Roadmap
Once you've identified a use case, create a step-by-step plan. This roadmap should outline the specific actions you'll take, the resources you'll need, and the timeline for implementation. Consider these steps:
- Legal and Regulatory Review: Understand the compliance requirements in your jurisdiction.
- Technology Selection: Choose the right blockchain platform and tools.
- Token Design: Define the token's features, such as its utility and governance model.
Tokenization is not just a technological shift; it's a strategic one. SMEs need to carefully consider their business goals, risk tolerance, and regulatory environment before embarking on a tokenization journey. A well-defined roadmap can help mitigate risks and maximize the potential benefits.
Engaging Stakeholders
Tokenization isn't something you can do in isolation. You'll need to involve various stakeholders, including employees, customers, investors, and regulators. Communication is key to building trust and ensuring everyone is on board. Consider these points:
- Educate your team: Make sure your employees understand the basics of tokenization and its potential impact on the business.
- Communicate with investors: Keep your investors informed about your tokenization plans and address any concerns they may have.
- Engage with regulators: Proactively reach out to regulatory bodies to understand the compliance requirements and seek guidance.
Token unlocks can significantly impact SMEs, so it's important to have a risk management framework in place. Market volatility and liquidity implications are key considerations. By prioritizing compliance and communication, SMEs can build stronger relationships with stakeholders and navigate the complexities of the cryptocurrency market more effectively.
Final Thoughts on Tokenization for SMEs
In wrapping up, it’s clear that tokenization holds a lot of promise for small and medium-sized enterprises. By making it easier for these businesses to access capital, it could really change the game. Sure, there are bumps in the road, like regulatory hurdles and market volatility, but the potential benefits are hard to ignore. Imagine a world where SMEs can tap into global investors with just a few clicks. That’s not just a dream; it’s becoming a reality. As we move into 2025, staying informed and adaptable will be key for SMEs looking to ride this wave. Those who embrace these changes could find themselves in a much stronger position, ready to thrive in a more connected financial landscape.
Frequently Asked Questions
What is tokenization?
Tokenization is a way to turn real things like money or property into digital tokens that can be traded or sold easily.
How can tokenization help small businesses?
It can help small businesses by making it easier for them to get money from investors without needing banks.
What are the benefits of using blockchain technology?
Blockchain technology makes transactions faster, cheaper, and more secure by keeping a clear record of everything.
What challenges do small businesses face with tokenization?
Small businesses might struggle with understanding the technology and following the rules that come with using tokens.
How does tokenization improve market efficiency?
Tokenization can make buying and selling assets easier and faster by cutting out unnecessary middlemen.
What are the current rules for tokenization?
Rules for tokenization are still being made, and they can vary from place to place, so businesses need to stay informed.
What types of assets can be tokenized?
Many things can be tokenized, including real estate, stocks, and even art or music rights.
What is the future of tokenization in 2025?
By 2025, tokenization is expected to grow a lot, making it easier for more people to invest in different assets.
