PropTech 3.0 brings alternative financing models and decentralized platforms that improve real estate funding dynamics:

• Blockchain-based tokenization allows fractional ownership, making real estate investments more accessible to small investors.
• Smart contracts automate escrow releases and loan disbursements, reducing manual processing.
• Crowdfunding portals let developers pitch projects directly to a pool of retail or accredited investors.

This innovation lowers barriers to entry, enables international participation, and enhances transparency in real estate financing.