Buy with Crypto. Settle in Fiat. Invest with Confidence

Experience a smarter way to buy property – seamlessly bridging digital assets with traditional real estate. Whether you pay in crypto or convert to fiat, we handle the complexity so you don’t have to.

A Seamless Bridge Between Crypto Wealth and Prime Real Estate

The emergence of cryptocurrencies has introduced new dimensions to global finance, enabling unprecedented liquidity and borderless capital movement. However, the real estate market remains deeply rooted in traditional currency systems and regulatory frameworks. Our “Buy with Crypto – Pay with Fiat” model bridges this gap, providing a secure, efficient, and compliant mechanism that leverages the benefits of digital assets without exposing sellers to the inherent volatility and complexities of cryptocurrency.

This approach allows buyers to utilize their digital holdings – such as Bitcoin or Ethereum – to initiate property purchases while ensuring sellers receive prompt payment in established fiat currencies like euros, US dollars, or Swiss francs. By locking the exchange rate at the moment of transaction, both parties are shielded from market fluctuations that can otherwise disrupt deal certainty.

From a regulatory and operational standpoint, the process is conducted through licensed financial intermediaries who facilitate the real-time conversion of crypto to fiat. This safeguards compliance with anti-money laundering (AML) and know-your-customer (KYC) standards, while providing full auditability and transparency. Unlike traditional cross-border payments, which often suffer delays due to banking processes, this model offers near-instant settlement, streamlining the transaction and reducing friction.

For buyers, this means accessing real estate markets globally without first having to liquidate crypto holdings through multiple channels or bear heavy currency conversion fees. For sellers, it means expanding their buyer pool to include a growing segment of digital asset holders, while receiving payment in familiar, stable currency – all without direct exposure to crypto wallets or market volatility.

In essence, Buy with Crypto – Pay with Fiat is a pragmatic, forward-thinking solution designed for today’s digital economy, combining the agility of cryptocurrency with the stability and regulatory certainty of fiat currency settlements. It empowers both buyers and sellers to transact confidently, efficiently, and transparently in a world where digital and traditional finance increasingly converge.
Real-Life Examples of Crypto-Fiat Real Estate Transactions
Example 1: Buying a Residential Property in Zurich

An early Bitcoin investor is interested in purchasing a modern apartment in Zurich listed at CHF 2,500,000. The buyer intends to use BTC holdings to finance the purchase. The seller prefers to receive the full payment in Swiss francs (CHF), without any exposure to cryptocurrency volatility.

Before the transaction: The buyer chooses the “Buy with Crypto – Pay with Fiat” model. The transaction is facilitated through a licensed escrow and payment partner. The current BTC/CHF exchange rate is locked in prior to the transaction to eliminate volatility risk. The buyer transfers the agreed amount of BTC to the escrow partner, who initiates the real-time conversion process.

After the transaction: Once the BTC is received and confirmed on-chain, the platform converts it to CHF and wires the full amount directly to the seller’s designated bank account. No cryptocurrency is handled directly by the seller, ensuring a secure, compliant transaction with full adherence to AML and KYC regulations. The buyer completes the purchase with digital assets, while the seller receives payment in fiat currency-efficiently, securely, and without currency risk.
marivaconcept.com
marivaconcept.com
Example 2: Commercial Property Acquisition – Hotel in Portugal via Crypto-Fiat Structure

An international buyer sought to acquire a boutique hotel in Portugal valued at €4.9 million. To structure the purchase efficiently and securely, the buyer chose to operate through a compliant international trust, allowing for both discretion and long-term asset management.

While the seller requested payment exclusively in euros, the buyer wished to use a combination of Bitcoin and Ethereum to fund the acquisition. A regulated escrow service was engaged to receive the crypto assets, perform real-time conversion at a locked-in exchange rate, and transfer the full amount to the seller in fiat currency.

This structure ensured that the seller never interacted with cryptocurrency directly, avoiding volatility or regulatory uncertainty. At the same time, the buyer was able to leverage their digital assets without relying on centralized exchanges or facing withdrawal limits.

All compliance protocols-KYC, AML, and property due diligence-were completed through local legal partners and the transaction was registered under Portuguese property law. The crypto-fiat flow was seamless, transparent, and fully aligned with EU regulations.

This case highlights how commercial property acquisitions can be executed using digital assets, offering an efficient and compliant alternative to traditional banking routes.

FAQ - Crypto-Fiat Real Estate Solutions

Crypto-Fiat refers to the process of using cryptocurrencies (like Bitcoin and Ethereum) to purchase real estate while ensuring that sellers receive payment in traditional fiat currencies (like euros). This solution helps bridge the gap between digital currencies and conventional financial systems.

When a buyer expresses interest in purchasing a property with cryptocurrency, our dedicated team will guide them through the process. Once the buyer commits to using cryptocurrency, we will coordinate the conversion of the payment to fiat currency at the current market rate. This ensures that sellers receive a stable amount directly in their bank accounts, while buyers can enjoy the benefits of using digital currencies. Our team manages the transaction carefully to provide a smooth and secure experience for both parties.

We accept major cryptocurrencies, including Bitcoin (BTC) and Ethereum (ETH). Our system is designed to accommodate a variety of digital currencies, providing flexibility for buyers.
By using our Crypto-Fiat solution, buyers can experience faster transactions, lower fees, and the ability to leverage their cryptocurrency investments without the complexities of currency conversion. It also simplifies international transactions, eliminating common barriers associated with cross-border payments.
Sellers benefit from receiving fiat currency, which protects them from the volatility often associated with cryptocurrencies. This means they can enjoy a secure and predictable transaction process while still attracting a broader range of potential buyers.
Yes, the payment process is designed to be highly secure. While we do not handle the cryptocurrency directly, we work closely with trusted third-party processors who ensure that all transactions are conducted with the highest levels of security. Each transaction is verified and documented, which helps reduce the risk of fraud. Additionally, we are committed to compliance with regulatory standards to safeguard both buyers and sellers throughout the transaction.
The time to complete a Crypto-Fiat transaction can vary. Once the buyer commits to the payment, our dedicated team will promptly manage the conversion of cryptocurrency to fiat currency. While we strive for a quick turnaround, factors such as processing times from our payment partners and banking institutions can influence the overall duration. We keep both buyers and sellers informed throughout the process to ensure a smooth transaction experience.
Yes, international buyers can definitely use our Crypto-Fiat service! Our solution is designed to simplify cross-border transactions, allowing international buyers to purchase properties in Estonia. By utilizing cryptocurrency, buyers can avoid the complications associated with currency exchange and additional fees, making the process more efficient and accessible.
The conversion rate is determined based on the current market value at the time the transaction is initiated. Our dedicated team assesses reliable cryptocurrency exchange rates to ensure that both buyers and sellers receive a fair and transparent rate. We prioritize clarity and fairness in the conversion process to enhance the overall transaction experience.
Yes, there may be minimal transaction fees involved in using our Crypto-Fiat service. These fees will be clearly outlined before the payment is processed to ensure transparency and help buyers and sellers make informed decisions.
Currently, we focus on Bitcoin (BTC) and Ethereum (ETH) for our Crypto-Fiat service. However, we are continually assessing market trends and demand, so there may be opportunities to include additional cryptocurrencies in the future.
While our Crypto-Fiat service aims to simplify the transaction process, we advise buyers to consult with legal professionals who are knowledgeable about real estate and cryptocurrency regulations in their jurisdiction to ensure compliance and understanding.
All properties that can be purchased using our Crypto-Fiat service will be clearly marked on our website. If you have specific inquiries about a property, please reach out to our team for confirmation.
While there are no strict limits on transaction amounts, our team can provide guidance on typical transaction ranges and any applicable limits based on our payment processing partners.
In the unlikely event that a transaction fails or is delayed, our support team will investigate the issue and work to resolve it promptly. We will keep you informed throughout the process and ensure that your funds remain secure.
Once you have committed to using cryptocurrency for payment, changing the payment method may not be possible due to the nature of the transaction. However, please contact our team immediately if you need assistance, and we will do our best to help.
Blockchain technology provides a secure and transparent record of all transactions, minimizing the risk of fraud. By using this technology, we ensure that both parties have access to an immutable record of the deal, enhancing trust and security throughout the process.
For any questions or further assistance regarding our Crypto-Fiat solutions, please reach out to our dedicated support team. We are here to help you navigate the process and ensure a smooth transaction experience.