Tokenize Real Estate in Colombia

Yes, where it is structured correctly. Colombia does not yet have a dedicated tokenization law, but a real estate token that qualifies as a security falls under the Securities Market Law (Law 964 of 2005) and the supervision of the Superintendencia Financiera de Colombia (SFC). A dedicated virtual-asset bill (510/2025) is advancing in Congress.

Yes. Foreigners can own real estate in Colombia and can hold tokenized fractions of property. Tax treatment can be more complex for non-residents because of obligations in their home country, so it is worth confirming any double-taxation treaty benefits with an advisor.

Not yet. The SFC has stated that crypto-assets are not securities under Law 964 of 2005, so they sit outside the securities market unless a token represents an actual security. A dedicated virtual-asset bill (510/2025) was tabled in 2025 and is still under discussion in Congress.

The Superintendencia Financiera de Colombia (SFC) is the financial and securities regulator. It has clarified that pure crypto-assets are not securities under Law 964 of 2005, but tokens that represent securities fall within its remit. The SFC has also run a regulatory sandbox, 'la Arenera', to test blockchain-based innovation.

If a property is held as a fixed asset for at least two years, the gain is taxed at a flat 15% capital-gains rate; if held for less, the profit is taxed as ordinary income at rates up to 39%. Rental income is treated as ordinary income (up to 39%) with a 3.5% withholding. The treatment of a tokenized holding depends on its structure, so confirm with a Colombian tax advisor.

LaProp fractionalizes and tokenizes property for investors from around US$50 a token and uses Chainlink automation to distribute rent on-chain. Platforms such as Expedit use tokenization to finance developers, and international tokenization platforms are expanding into the Colombian market.