Lofty vs Realbricks: Which Platform Offers the Smarter Path for Investors?
Compare Lofty AI and Realbricks in fractional real estate investing. Discover which platform offers safer, SEC-regulated opportunities and greater peace of mind.
Lofty VS Realbricks
Lofty vs Realbricks: Which Platform Offers the Smarter Path for Investors?
Fractional real estate investing has become one of the fastest-growing ways for everyday investors to access rental property income without the need for large capital or the burdens of property management. Two platforms leading this trend are Lofty AI and Realbricks. While both open the door to real estate shares, their approaches, technology, and regulatory frameworks create very different experiences for investors.
Understanding these differences is crucial before committing your money. Below, we break it down into five key areas: ownership structure & investor security, dividends & income distribution, liquidity & secondary market access, technology & ease of use, and regulation, trust & the future of tokenization.
1. Ownership Structure & Investor Security
Lofty AI sells tokenized membership interests in individual Wyoming LLCs, recorded on the Algorand blockchain. While innovative, this blockchain-based model sits in a regulatory grey area. The SEC has not issued tokenization-specific rules, so long-term compliance remains uncertain. For some investors, that uncertainty creates hesitation — especially when larger sums are involved.
Realbricks offers a more future proof, secure path. Investors purchase shares in SEC-regulated offerings tied to individual, debt-free rental properties. This structure operates under established securities laws, providing investors with proven oversight and legal protections.
Realbricks: SEC-regulated shares in debt-free properties; investor protection from day one.
2. Dividends & Income Distribution
Lofty AI distributes daily rental income payouts through blockchain. This micro-payment model appeals to tech-forward investors but also introduces administrative complexity and reliance on crypto infrastructure. Converting crypto earnings into usable cash can be inconvenient for some investors.
Realbricks pays out quarterly dividends in U.S. dollars. This aligns with standard real estate reporting cycles, reducing overhead while offering predictability. Combined with debt-free assets, this approach emphasizes stability and investor peace of mind.
Comparison:
Lofty: Daily crypto-based rent payouts; innovative but reliant on token infrastructure.
Realbricks: Quarterly dividends in U.S. dollars; stable and predictable.
3. Liquidity & Secondary Market Access
Lofty AI allows investors to list tokens for sale at any time with a 3% buy/sell fee. However, liquidity is not guaranteed — it depends on other token holders choosing to buy. Prices can fluctuate widely, adding potential volatility.
Realbricks offers a peer-to-peer secondary marketplace where shares can be listed once a property’s initial offering is fully funded and has transferred to the secondary market, which occurs 30 days later. This ensures that only income-generating properties trade, creating a more stable, transparent exit process for investors.
Comparison:
Lofty: 24/7 token listings; subject to volatility and dependent on platform liquidity.
Realbricks: Peer-to-peer market after funding; prioritizes operational stability before trading.
4. Technology & Ease of Use
Lofty AI embraces a blockchain-first approach, requiring investors to manage wallets, tokens, and crypto-compatible processes. For those unfamiliar with blockchain, the learning curve is steep. In addition, Lofty AI currently does not offer a mobile app, limiting convenience for investors who prefer managing portfolios on the go.
Realbricks focuses on simplicity. The platform offers a clean, user-friendly dashboard where investors can sign up, verify identity, browse properties, and purchase shares — using U.S. dollars with no confusing crypto transactions. With fully functional iOS and Android apps, investors can manage real estate shares anytime, anywhere. For those who prefer desktop, the marketplace is also available through a seamless web app experience.
Comparison:
Lofty: Requires crypto literacy; no mobile app.
Realbricks: Intuitive web + mobile apps; accessible to all experience levels. All transactions and payouts occur with U.S. dollars.
5. Regulation, Trust, & the Future of Tokenization
Lofty AI is pioneering tokenized real estate, but the model is still in a regulatory grey zone. Lofty acknowledges it is not a registered broker-dealer or investment adviser, which raises questions for risk-averse investors. If regulators impose stricter rules, Lofty may need to significantly adjust its model.
Realbricks operates under U.S. SEC regulation from launch. Investors benefit from a clear legal framework, transparent offering documentation, and the established protections of regulated securities. In an industry where trust is everything, compliance is not optional — it’s a differentiator.
Realbricks: SEC-regulated; transparent, compliant, and built for long-term trust.
Bottom Line
Both platforms showcase the evolution of fractional real estate investing — Lofty through blockchain tokenization, and Realbricks through SEC-regulated real estate shares. Lofty may appeal to investors eager to experiment with tokenized assets and daily crypto payouts. But for those who value stability, trust, and peace of mind, Realbricks offers a more sustainable path: debt-free rental properties, predictable dividend schedules, clear SEC oversight, and an easy-to-use platform available on web and mobile.
Ready to start investing with just $100? Explore the Realbricks marketplace today and experience how accessible and transparent real estate investing can be. Signing up takes only 5 minutes.
Realbricks is SEC-regulated, meaning offerings comply with securities laws. Lofty’s token model operates in a grey area that may face future regulatory challenges.
How quickly can I access my money?
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Lofty allows 24/7 token trading, but liquidity isn’t guaranteed — it depends on finding another token holder, and prices can fluctuate significantly. Realbricks takes a more structured approach: once a property is fully funded, it transfers to the secondary market after 30 days. At that point, investors can list shares in a transparent peer-to-peer marketplace, where every property is already income-generating. While not instant, this process prioritizes stability and fairness, giving investors confidence that their exit is tied to real, operating assets.
Do I need crypto to invest?
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No. With Realbricks, you invest in U.S. dollars via a simple dashboard or mobile app. Lofty requires wallets and crypto literacy.
How much do I need to get started?
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With Realbricks, you can begin investing with as little as $100. This low entry point makes it easy for new investors to participate in real estate without needing large amounts of capital. Lofty also promotes fractional ownership, but Realbricks emphasizes accessible, SEC-regulated opportunities backed by debt-free rental properties.
Disclaimer: Investing in real estate involves risks, including the potential loss of capital. This content is for informational purposes only and is not intended as investment advice. Investors should perform their own research and consult with financial professionals before making investment decisions.