Build your real
estate wealth.
Starting from €100/month. No mortgage, no bank, no management.
A Token = your notarial share in a real luxury apartment. No crypto, no blockchain — just a digital contract that gives you real rights to the property.
HBN
Habyon
HBN
Token
The future of investing — according to BlackRock
Tokenization will change everything. Converting stocks, bonds and real estate into digital format will open global markets to a far greater number of people — exactly as the internet democratized access to information.
The end of the 60/40 portfolio
For decades financial advisors recommended 60% stocks and 40% bonds. This model no longer works — bond yields are low and equity markets are volatile.
Fink proposes a new framework: 50% stocks · 30% bonds · 20% private assets. That 20% — real estate, infrastructure, private credit — is where real wealth is built. But until now it was accessible only to those with hundreds of thousands to invest.
Habyon brings that 20% to everyone, from €100/month.
Tokenization is already here
BlackRock has already launched tokenized funds on blockchain and Fink declares this technology «will do for Wall Street what the internet did to mail». Big finance has recognized the potential — but tokenized funds remain MiFID-regulated financial products, accessible only to institutional investors with million-euro tickets.
Tokenized finance must play by its own rules. And those rules keep it far from ordinary people.
Real estate tokens are something entirely different. They are not fund shares. They are a direct contract between you and a real property — governed by Italian civil law (art. 1322 c.c.), no financial intermediaries, no MiFID, no massive minimum tickets.
Habyon applies the tokenization principle where it makes most sense: physical real estate, accessible from €100, with real quarterly returns.
Assets against inequality
From 1989 to 2026 the S&P500 grew approximately ×15. Real wages grew 20–30%. The gap is documented by the Federal Reserve and Bureau of Labor Statistics — the source cited by Fink in his letter.
In Europe the asset multiplier is lower (×6–×8 for equities), but the direction is identical. Those who invested in real estate in major European cities saw 200–400% appreciation over 30 years. Real wages in the EU average grew 30–50%.
Italy is the only OECD country where real wages have been flat for 35 years. Meanwhile those who owned property in major cities saw ×2.4 growth nationally, up to ×5 in large cities.
The gap between those who work and those who own is deeper here than in any other developed country.
Artificial intelligence risks widening this gap further — boosting productivity without sharing its benefits with workers. Those who own real assets are protected. Those who don't fall further behind. Habyon puts you on the right side — from €100/month.
The Project
This is what you're investing in.
Not an anonymous fund. Not an abstract financial product. A specific property, with a name, an address, and photos.
Il Molino di Pisa
S. Giuliano Terme (PI) — Toscana
€1,000,000
Project value
10,000
Total tokens
3
Apartments
SPA
+ Gym included
What you're investing in isn't just a place to sleep — it's a complete facility. Click to see the photos.
🔑 Maintenance, cleaning, check-in and rental management included — zero hassle for you.
The Process
From Savings to Property
Four automatic steps. You set the plan, the system does the rest.
Deposit from €100
Activate your monthly automatic plan. Less than a streaming subscription. Your euros accumulate in your Habyon wallet.
Get Tokens
Every €100 accumulated, the system automatically assigns you 1 Token. Each token is a real share of the property.
Earn or Book
With the €100 PAC you collect your share of rental income quarterly. With any plan you book stays at -20%. Zero management.
Redeem or Sell
Sell your tokens on the marketplace or, when you have enough, go to the Notary and register your property share in your name.
Plans
Choose your pace
No commitment. Cancel anytime. Accumulated credits are yours — use them to book stays at -20% whenever you want.
Investor
PACFor building wealth over time.
Scalable up to ×10 to accelerate
- 1 Token immediately, every month
- Active returns from Day 1
- Digital contract via email
- Bookings at -20% off market
- Access to private Founder Group
- Earn by referring friends — 4-level referral
Property
OWNERHold your full position in the property from day one.
100 tokens = 1/100 of the property
- 100 Tokens — 1/100 ownership of the property
- Immediate notarial deed — your share is legally yours
- 20% booking discount — forever
- Priority booking access
- Earn by referring friends — 4-level referral
✦ No activation cost · Cancel anytime · Credits never expire
Your path
Two paths, one goal
Both paths give access to the 20% booking discount. What changes is the pace — and the final destination.
From €100/month
PAC — Accumulation
1 Token per month, immediately
€100 = 1 token every month, no waiting. Cancel anytime
-20% discount from the first month
You have a token immediately — you book with the discount right away
Full position at 100 tokens
About 100 months to reach 1/100 of the property
Position milestone
100 tokens = full position in the project SPV
€10,000 one-off
Owner
100 Tokens immediately
1/100 of the property from day one, in a single payment
-20% discount and priority booking
Priority calendar access over those accumulating
Full position immediately
No waiting: certified and transferable stake from day one
Position reached
100 tokens = full position, immediately. Multiples available
With the PAC, if you stop before reaching 100 tokens, those accumulated convert to Enjoyment Tokens: you keep the 20% discount forever, but the position is not full. With Owner the position is full from the start.