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Aerial view at golden hour of whitewashed villas with infinity pools on an island hillside, looking out over a calm sea to distant islands.

Tokens that finance villas, hotels and homes in Greece and Cyprus, with payments linked to the rent they earn. Each property has one bond, split into tokens on your own ledger.

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Villa Gaïa

5-bedroom property · Paradisos, Greece

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Every project is one property, financed by one bond issued through its own company. Read the documents, choose how many tokens, and spread across the properties you like.

Projects listed
17
Raised
—
Investors
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Income-producing property has mostly belonged to funds, banks and the very wealthy. On Fractual, each project is financed by one bond split into small tokens, so it can fit in an ordinary portfolio.

A woman with a tablet checks a whitewashed guest bedroom while a colleague smooths the bed linen, with sea cliffs through the open window.

Picked by property people, not algorithms.

Every project passes a title search, a permit check, an independent technical survey and two valuations before it is listed. Most of the properties we look at never make it onto the platform.

€1,000

The minimum subscription. Each project page shows its own token price.

Aerial view straight down onto white Cycladic rooftops, paved lanes, olive trees and two turquoise pools.

One project, one company.

Each project issues one bond through its own FinCo. Your tokens are a share of that bond, not a claim on us.

Hands-off income, every quarter.

The property company collects the rent, pays the operator and running costs, and passes what is due to the FinCo, which pays your interest. No guests to host, no tenants to chase, no calls about the boiler.

01

Rent

Paid by guests and tenants to the property company

02

Costs

Operator, upkeep, taxes and reserves come off first

03

Interest

The FinCo pays what the bond terms set out

04

Your account

Usually every quarter, in euros

How it works

  1. A small whitewashed stone house on a Cycladic hillside at dawn, with mist lying in the valleys below.

    Your ledger

    Non-custodial

    Ready to invest

    • Identity verified
    • Investor profile complete
    • Ledger created

    01

    Join and verify

    Register, complete the identity and suitability checks, and a personal, non-custodial ledger is created for you.

  2. A whitewashed living room with a curved built-in sofa and a wide glass door open to a terrace above the sea.

    Open to you

    • Villa GaïaParadisos, Greece
    • Antheia EstateErmioni, Greece

    02

    Review a project

    When a project's FinCo gives you access, you see the property, the surveys, the valuations and the bond terms in full.

  3. A woman on a sunlit Athens roof terrace, smiling at her phone, with the Acropolis behind her.

    Subscribe to Villa Gaïa

    €1,000

    Minimum subscription

    TokensOn your ledger

    Identity verified

    Sign and subscribe

    03

    Subscribe for tokens

    Sign the subscription agreement online and pay into the FinCo's account. If the funding target is not met, you get your money back.

  4. A man at a café table in a whitewashed island lane with a laptop and a coffee, under a bougainvillea.
    FractualInterest receivedYour share of the property's net rent, in euros
    Paid from what the property earns, after its costs.

    04

    Earn from the property

    Payments come from the property's net rental income while it is held, and from its sale or refinancing at maturity.

Pick an open project and an amount. The numbers come from the target yield and five-year return each project publishes.

Log in to try the numbers.

Target yields are shown to signed-in investors. Log in and pick any open project to see what an amount could earn.

Log in

More of the world's wealth is held in buildings than in shares, bonds or gold. Yet the income-producing kind, the villas, hotels and apartment blocks that earn rent, has mostly been open to funds, banks and the very wealthy. Fractual is built to change that, starting in Greece and Cyprus.

Greek apartment prices fell from 101.7 in 2008 to 59.0 in 2017, then rose every year to 109.1 in 2025, where 2007 is 100.101.759.0109.120082025
Greek apartment prices, yearly average, where 2007 is 100. Bank of Greece, index of apartment prices; 2025 is provisional. Past prices are not a guide to future returns.
the value of all the world's real estate, more than global equities, debt and gold combinedSavills, Total value of global real estate, 2025
$0.0tn
visitors to Greece in 2025, not counting cruise passengers, a new recordINSETE, Inbound tourism to Greece 2025
0m
spent by those visitors in 2025, up 9.8% on 2024INSETE, Inbound tourism to Greece 2025
€0.0bn
rise in Greek apartment prices in 2025, the eighth yearly rise in a rowBank of Greece, index of apartment prices, 2026
0.0%

A long wooden dining table set under a reed pergola on a whitewashed terrace, with olive trees and the sea beyond.

Talk to the investor team

Questions about a project, the tokens or the structure? We answer within one working day.

invest@fractual.com Book a call

Bonds issued by a project's own financing company (FinCo), a Greek société anonyme. The FinCo lends the money to the company that owns the property (PropCo), which it owns outright. Your bonds entitle you to the payments set out in the subscription agreement, which are linked to how the property performs.

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