Banks reject crypto transactions despite blockchain analytics tools providing transparent due diligence on fund sources.
Wealthy cryptocurrency investors are increasingly using digital assets to purchase property across Europe, according to recent industry data.
Lithuanian-licensed platform Brighty has facilitated over 100 real estate transactions for high-net-worth individuals in the past year.
These deals, valued between $500,000 and $2.5 million, primarily involve properties in the UK, France, Malta, Cyprus, and Andorra.
The surge in crypto-based property purchases reflects broader market trends within the digital asset space. Global crypto millionaires increased by 40% over 12 months, reaching 241,700 individuals in 2025.
Brighty currently serves between 100 and 150 wealthy clients, with an average monthly spending of approximately $50,000 per customer.
“We have between 100 and 150 wealthy customers, and it’s growing fast,” said Nikolay Denisenko, co-founder and CTO of Brighty App. “The average spend for these people is around $50,000 per month. The upper bound, in terms of a use case, is buying apartments in Europe.”
Denisenko attributes this growth to practical advantages over traditional banking systems. Banks often refuse to process large cryptocurrency transactions despite available blockchain analytics tools.
The platform uses sophisticated compliance systems, including Elliptic’s blockchain analysis software, to verify the legitimacy of customer funds.
“The starting point is these investors hold crypto, and that can scare banks, even though these people have earned this wealth very transparently from Bitcoin, for example,” Denisenko explained.
Traditional financial institutions remain cautious, yet blockchain technology enables thorough due diligence that can match conventional banking standards.
Transaction patterns reveal a notable preference shift among wealthy buyers toward euro-denominated digital currencies.
Average transaction sizes using euro-backed stablecoins jumped from €15,785 in Q3 to €59,894 in Q4. Buyers now favor Circle’s EURC over USDC to eliminate foreign exchange conversion costs.
“Recently, we have started seeing our customers using euro stablecoins where previously they might have used USDC,” Denisenko said. “Because if you deposit in USDC and you are buying something in Europe, you have a conversion cost.”
The move away from dollar-pegged stablecoins makes economic sense for European property purchases. Using euro stablecoins streamlines the process while reducing transaction costs considerably.
Brighty processes payments directly from customers to sellers, bypassing exchange platforms like Binance or Kraken.
Wealthy investors view European real estate as a portfolio diversification strategy, mirroring traditional finance practices. “Our wealthy customers are simply looking to de-risk the assets in their portfolio by putting some of their money into real estate,” Denisenko noted.
The company continues expanding partnerships with European estate agencies to accommodate growing demand.
