Buy Property in Portugal with Cryptocurrency
Complete guide: how it works, licensing, step-by-step process, fees, and risk management
You own crypto assets and want to acquire real estate in Portugal — without converting to fiat, without bank scrutiny, with full legal compliance. This is possible. In this guide, we explain our service in detail: how it's structured, what problems it solves, and why we operate this way.
1The Problem
Why This Matters
The demand for crypto-to-real-estate transactions has grown significantly for two main reasons.
First — global events in recent years have created enormous difficulties with capital movement. Sometimes it's simply impossible to withdraw and access your funds through traditional channels. At the same time, there's strong demand for transferring assets to stable, protected jurisdictions — primarily Europe. Portugal is particularly attractive: it's a popular destination for immigration and real estate investment.
Second — over the past years, a large number of crypto investors, entrepreneurs, and enthusiasts have accumulated significant capital entirely on the blockchain. Capital that was never part of the traditional financial system, never existed as money in a bank account. These individuals increasingly want to use this capital in the real world.
Who This Guide Is For
This comprehensive guide is for anyone considering purchasing real estate or making investments in Portugal using crypto assets. Here we describe our specific service, its features, terms, stages, and answers to common questions.
2Our Service
What Problems We Solve
Our service addresses several challenges — it may be one or a combination:
Primary Goal
Acquiring assets (real estate) with full ownership rights, properly executed purchase agreements, registration in official records and archives, notarized documentation — without any legal, procedural, or registration risks. The buyer can complete the entire transaction without touching a single euro of fiat currency.
Compliance Peace of Mind
For many, the absence of fiat involvement on the buyer's side is a significant advantage. This provides peace of mind regarding fiscal, financial, and banking authorities. All responsibility and key control points are transferred to a licensed company in Portugal and to the agent managing the transaction — our company.
Capital Relocation
For those who need to move capital from one jurisdiction to another, crypto provides a bridge. The assets are converted to real estate in a stable EU country with strong property rights protection.
3Legal Framework
Official Position
In Portugal, real estate transactions can be conducted using cryptocurrency. This became possible after the Order of Notaries of Portugal issued clarifications on the procedure. The key requirement is that a licensed entity must handle the conversion of crypto to fiat and perform all necessary AML (Anti-Money Laundering) and KYC (Know Your Customer) checks on the buyer.
Our company holds the necessary license from the Bank of Portugal to conduct such operations. This ensures full legality and transparency of the transaction for all parties involved.
Our License
We are a licensed Virtual Asset Service Provider (VASP) registered with the Bank of Portugal. This authorizes us to legally exchange virtual assets for fiat currency, a crucial step in the property purchase process.
4Step-by-Step Process
Initial Consultation & KYC
We discuss your goals, budget, and property requirements. You provide necessary documents for KYC/AML verification.
Property Selection
We help you find suitable properties based on your criteria, from our exclusive listings or the broader market.
Promissory Contract (CPCV)
Once a property is chosen, a promissory contract is signed. At this stage, you transfer the agreed crypto deposit to our secure wallet.
Crypto-to-Fiat Conversion
We convert the cryptocurrency to Euros through our licensed platform to pay the seller.
Final Deed (Escritura)
The final deed is signed at the notary. We handle the fiat payment to the seller, and you become the legal owner of the property.
5Crypto Flow
Accepted Cryptocurrencies
We primarily work with major cryptocurrencies like Bitcoin (BTC), Ethereum (ETH), and stablecoins such as USDT and USDC. We can consider other assets on a case-by-case basis.
Transaction Process
1. Wallet Verification: You provide the wallet address from which funds will be sent. We verify its compliance.
2. Deposit Transfer: You transfer the agreed amount to our designated, secure corporate wallet.
3. Conversion & Payment: We convert the crypto to Euros and make the payment to the seller's bank account as per the contract.
6Investment Projects
Besides direct property purchase, we offer participation in curated real estate investment projects. These can range from residential developments to commercial properties with attractive yields. This is an excellent option for diversifying your portfolio and generating passive income.
7Fees & Commissions
Our fee structure is transparent. It consists of a service fee for the entire transaction and a conversion fee for the crypto-to-fiat exchange. All fees are discussed and agreed upon upfront.
Service Fee
A percentage of the property value, covering property search, legal support, and transaction management.
Conversion Fee
A small percentage for converting the cryptocurrency to Euros, covering exchange risk and processing.
8Risks & Limitations
Market Volatility
Cryptocurrency prices can be volatile. We use strategies to mitigate this risk, such as locking in the exchange rate at the time of the transaction.
Regulatory Changes
The regulatory landscape for crypto is evolving. We stay current with all legal requirements to ensure compliance.
Source of Funds
You must be able to prove the legal origin of your crypto assets as part of our compliance process.
9Frequently Asked Questions
Do I need to be a Portuguese resident?
No. Non-residents can purchase property in Portugal. However, you will need a Portuguese tax number (NIF).
How long does the process take?
Typically 2-4 months from initial consultation to deed signing, depending on property availability and due diligence complexity.
Can I use crypto from multiple wallets?
Yes, but all wallets must pass compliance checks and be linked to your verified identity.
What if the property deal falls through?
If the deal doesn't complete, funds are returned minus any conversion fees already incurred. This is outlined in our service agreement.
Is this legal?
Absolutely. The entire process operates within Portuguese and EU regulations through licensed entities.
Related Services
Explore the full buying process in Portugal:
Tax
Crypto Tax Guide
Taxation of crypto assets in Portugal
Funding
Capital Transfer
How to move funds to Portugal
Costs
Purchase Taxes (IMT)
Calculate total acquisition costs
Process
CPCV Contract
Promissory contract explained
Service
Property Selection
Expert help finding the right property
Explore
New Developments
Browse vetted projects in Portugal
10Contact Us
Ready to discuss your crypto-to-property transaction? Contact us for a confidential consultation.
Phone / WhatsApp
+351 936 813 640Office
Largo Machado de Assis, Lote 2, Porta E
1700-116, Lisbon, Portugal
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