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By converting tangible assets into digital, tradeable tokens, tokenisation is opening up new possibilities for accessibility, transparency, and liquidity. The way that this invention is changing global finance and propelling institutional adoption of blockchain-based infrastructure is explained by Michael Gray, Senior Account Manager at Invest Mutual.
The New Frontier: Tokenisation Enters the Real World
London, United Kingdom, Nov 11, 2025, The integration of blockchain technology and the practical use of tokenisation are driving a significant transformation in the financial sector. Michael Gray, Senior Account Manager at Invest Mutual, is at the forefront of this evolution and has established himself as a go-to authority for organisations and investors seeking to comprehend how tokenisation may affect asset ownership and liquidity in the future.
The process of turning ownership rights in tangible assets like equities, real estate, commodities, and even fine art into digital tokens that run on a blockchain is known as tokenisation. These tokens can be easily traded or fractionally owned because they are safe, traceable, and divisible. According to Gray, this procedure makes it possible for assets that were previously illiquid or challenging to move into a highly efficient and accessible digital market. He describes tokenisation not merely as a novel idea, but as the natural next step in the evolution of global finance.
The Rise of Tokenised Assets in Traditional Markets
One of the most compelling real-world applications of tokenisation, according to Michael Gray, lies in real estate. Traditionally, investing in property required large capital outlays and cumbersome processes. Tokenised real estate platforms are changing that dynamic by enabling investors to buy fractional ownership of high-value properties. This significantly lowers entry barriers and opens up new avenues for portfolio diversification. As Gray explains, tokenisation is democratising access to markets that were once the exclusive domain of institutional investors and high-net-worth individuals.
Beyond real estate, governments and corporations are beginning to take note of tokenisation’s potential. Bonds and other financial instruments are already being issued in tokenised form across several jurisdictions, with real-time settlements taking place on blockchain networks. Banks, insurers, and regulators alike are paying close attention to this trend, recognising that it reduces counterparty risk, enhances transparency, and improves efficiency. For Gray, these developments signal the mainstream adoption of tokenised finance, reshaping treasury operations and driving a wider transformation across the financial ecosystem.
Enhancing Liquidity and Transparency
Liquidity has long been a challenge in traditional finance, particularly for asset classes such as collectables, private equity, and venture capital. Tokenisation, Michael Gray argues, solves this by giving complex or illiquid financial assets a digital form that enables 24/7 trading on decentralised or regulated exchanges. This expanded liquidity benefits not only issuers and sellers but also buyers, who gain access to secondary markets without the constraints of long lock-up periods or costly intermediaries.
Transparency is another critical advantage of tokenisation. Every transaction involving a tokenised asset is permanently recorded on the blockchain, creating a tamper-proof, auditable history. Gray highlights how this appeals to institutional investors, auditors, and pension funds who require complete traceability of ownership and transaction flows. By delivering accountability in industries historically plagued by opacity such as commodities or fine art markets tokenisation provides a long-awaited solution that builds trust and institutional confidence.
The Future of Finance: Programmable and Borderless
Looking ahead, Michael Gray envisions tokenisation as a foundational element of a programmable financial system. Smart contracts layered on top of tokenised assets allow for automated processes such as dividend payments, loan settlements, and revenue sharing without intermediaries. This automation streamlines capital markets operations, transforming everything from portfolio management and fundraising to global settlement practices.
Perhaps most significantly, tokenisation opens the door to true borderless finance. Assets in one country can be accessed instantly by investors across the globe, free from traditional barriers such as exchange rate restrictions or banking hours. This borderless capability could extend opportunities for wealth creation to millions of underserved individuals worldwide, driving greater financial inclusion. For Gray, the convergence of tokenisation, blockchain, and digital adoption represents not only efficiency gains but also a more inclusive global economy.
Conclusion: Tokenisation Is Redefining the Investment Landscape
The growing importance of tokenisation in real-world finance cannot be overstated. For clients being guided through this transition by experts such as Michael Gray, the shift to digital asset ownership is not a question of if but when. By unlocking new levels of liquidity, transparency, and cross-border accessibility, tokenisation is poised to reshape asset management and financial interactions in the twenty-first century.
As blockchain technology continues to mature and regulators provide frameworks that encourage innovation, tokenisation is set to become a cornerstone of modern finance.
Disclaimer: This article is purely informational and doesn't offer trading or financial advice. Its content is not intended to be investment advice. We do not guarantee the validity of the information, especially when it pertains to third-party references or hyperlinks.
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