Legal Landscape of Digital Assets and Real-World Asset Tokenization Shifts in 2025, Says Gabriela Moraes
Rio de Janeiro, Brazil – December 25, 2025 — Gabriela Moraes serves as the Strategic Legal Advisor at SQHWYD GLOBAL Ltd. and as a Partner at Pinheiro Neto Advogados. She has released her 2025 Global Digital Asset Legal Review. The report explains how digital asset rules now shift. These shifts change tokenization and decentralized finance work.
From Regulatory Arbitrage to Regulatory Interoperability
The report shows a change in global rule work. Jurisdictions now try to match rules across borders. They do not skip differences by shifting rules as before. The new approach builds links between old assets and blockchain systems.
This method affects efforts to put real items such as real estate, loans, or government bonds on digital ledgers. Tokenizing real items may speed up deals and widen who can trade them. But tokenization needs a firm set of rules.
Basel III’s Institutional Impact: Banks Join the Digital Asset Arena
Moraes’s review marks a big change in global finance. Basel III rules now include crypto assets from January 2025. This shift makes room for major banks to work in tokenized markets.
Banks see a choice in treating digital items. Tokenized real items now fall into a group named "Group 1b." Under this group, banks pay lower capital costs when holding tokenized bonds and stocks. In contrast, uncollateralized cryptocurrencies fall into "Group 2" with higher costs. Lower hurdles let banks join digital asset trade with fewer risks.
By the close of 2025, tokenized private credit grew to nearly $20 billion. Banks joined blockchain systems that match modern banking rules and balance needs.
Brazil’s Leading Role: Legal Certainty and Asset Segregation
Moraes’s review shows Brazil as a leader in setting clear rules for tokenized assets. Brazil now makes banks keep client assets apart from their own funds. This rule cuts risks when funds mix.
Brazil also started a test project on a digital government bond system called Drex. Drex makes legal ownership clear using smart contracts as proof. The system ties classic securities rules to a digital method.
Cross-Border Regulatory Alignment: The FIT21 Act
The report touches on the Financial Innovation and Technology for the 21st Century Act in the US. This Act places the CFTC in charge of many digital commodity rules. It makes US rules match those in other countries.
This clear rule work helps markets where digital finance grows. Issuers and investors feel safer with rules set across borders. The change cuts risk in trading tokenized items.
Looking Ahead: The Future of Tokenized Real-World Assets
Moraes’s 2025 review builds a look toward a new mix of old finance and new tools. New rule matching, Basel III banking shifts, and Brazil’s clear asset rules build a safe space for tokenized real-world items.
Firm rules may free asset trade. They may cut deal delays and let more people join markets once seen as closed. Investors and banks must watch these shifts as digital assets grow in everyday finance.
Contact information for further inquiries: Álvaro de la Vega Montserrat, Camino Digital Advisors, [email protected]
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