"Tokenized stocks are digital versions of traditional stocks, ETFs, commodities or indexes (such as Apple, Tesla, the S&P 500 or Nvidia) that run on a blockchain. Unlike traditional stocks, with tokenized stocks you can invest 24/7 or 24/5 depending on the xStock, no buy or sell commissions and from just CLP 1,000."
Historically, investing in exchanges like the NYSE or NASDAQ from Chile meant complex, expensive processes limited to large amounts of capital or expert investors. Today, tokenized stocks democratize that access. On Skipo, a Chilean digital asset platform registered with the CMF under the Fintech Law, you can buy xStocks of Apple, Tesla, NVIDIA, Alphabet and more, directly in pesos, commission-free and from CLP 1,000. In this article you will learn what tokenized stocks are, how they work, their advantages, the associated risks and how to invest from Chile with our platform registered with the CMF.
What are tokenized stocks?
Tokenized stocks are digital tokens issued on a blockchain that represent ownership of a real share held in custody by an entity. This concept is part of real-world asset tokenization, which turns traditional assets or rights into digital representations. It is similar to holding a digital certificate proving your stake in a share of companies like Apple, Tesla or Nvidia. The underlying share exists and is safeguarded, and your token is the digital proof of your ownership.
How do tokenized stocks (or xStocks) work on Skipo?
Through the integration of xStocks, a world-class tokenization infrastructure provider, we designed a simple, efficient process that connects you directly to US markets while keeping Skipo's characteristic security and simplicity. This is how it works:
- An entity buys real shares: First, a regulated financial institution buys physical shares on traditional markets such as the NYSE or NASDAQ.
- Secure, regulated custody: Those shares are deposited with a third-party custodian, ensuring they are safeguarded and compliant with regulations.
- Token issuance on the blockchain: Tokens representing these shares are then issued on a blockchain, usually at a 1:1 ratio.
- Users buy and sell: You, as a user, can buy and sell these tokens on our platform, tracking the value and movements of the real underlying share in real time.
Tokenized stocks vs. traditional stocks: key differences
The main difference lies in the accessibility and efficiency tokenized stocks offer compared with traditional ones. With tokenized stocks, you can invest in the US market 24/7 or 24/5 depending on the xStock.
While traditional stocks require international intermediaries and dollar accounts, with Skipo investing in tokenized stocks is continuous, fractional and done directly in Chilean pesos.
The global tokenized stock market reached a valuation of US$963 million in January 2026, growing 2,878% since January 2025, according to Phemex. By December 2025, market capitalization passed US$1.2 billion according to Token Terminal data; in just 18 months the sector grew from US$450 million, according to Cointribune. Token Terminal analysts compare this expansion to stablecoins in 2020, before that market reached US$300 billion.
Tokenized stocks vs. traditional stocks: full comparison
| Tokenized stocks | Traditional stocks | |
|---|---|---|
| Availability | 24/7 or 24/5 depending on the xStock | Market hours only |
| Instant settlement | Yes (T+0) | No (T+1 or T+2) |
| Access to global markets | Yes | Requires an account with an international broker |
| Transferable | Yes, immediately | Subject to settlement and market hours |
| Operating costs | No operating costs on Skipo | Yes. Brokerage, custody, commissions, FX and more. |
| Buy in pesos | Yes, with no currency conversion | Usually requires dollars |
How are tokenized stocks regulated in Chile?
Tokenized stocks are not traditional stocks: they are digital tokens issued on a blockchain that represent exposure to the price of a real share. This technical distinction has a concrete regulatory implication: in Chile, their legal framework is not the Securities Market Law (which regulates stocks as classic financial instruments) but the Fintech Law (Law No. 21.521), which regulates technology-based financial service providers.
What this means in practice: platforms offering tokenized stocks in Chile, such as Skipo, must be registered with the CMF as financial service providers regulated under the Fintech Law. Skipo operates under that framework, registered with the CMF and the UAF, which sets concrete obligations regarding security, custody, transparency and anti-money laundering.
It is important to understand that tokenized stocks are not regulated as stocks by the CMF, not because there is a legal gap, but because they are a different instrument with their own framework. This has practical implications that any investor in Chile should know:
- Taxes: Gains from selling tokenized stocks are not declared under the SII's traditional stock regime. As digital assets, their tax treatment follows the criteria applicable to assets of this kind. If in doubt, we recommend consulting a tax advisor.
- Guarantees: Unlike bank deposits, tokenized stocks are not covered by the Chilean financial system's state insurance. Protection comes from the regulated custody of the underlying shares, managed by the tokenization provider.
- Custody: The xStocks available on Skipo are issued by Backed Finance, a regulated tokenization provider that keeps the real shares in custody with licensed brokers and custodians.
In short: tokenized stocks are regulated in Chile, but differently from traditional stocks. Using a platform registered with the CMF under the Fintech Law, such as Skipo, gives you more protection than using one that is not.
Advantages of investing in tokenized stocks from Chile
Tokenized stocks offer a series of benefits that transform the investing experience for people in Chile. These benefits center on accessibility, flexibility and efficiency.
- Immediate access to global companies: Invest in Apple, Tesla, Nvidia, Alphabet, Microsoft and others from the Skipo app.
- 24/7 or 24/5 liquidity, depending on the xStock: Buy and sell without depending on traditional market hours.
- International diversification: Expose your portfolio to the US economy and global technology, reducing dependence on local markets.
- Fractional investing: Start with small amounts. You can buy 0.05 of a Tesla tokenized stock if you want, making investing more accessible.
- No hidden fees: On Skipo you pay no commission to buy or sell xStocks, maximizing your gains. See our fees page.
- Simple operation: Manage all your investments from your phone, directly with Chilean pesos.
What to consider when investing in tokenized stocks
Like any investment, tokenized stocks involve factors you should assess carefully:
- Volatility of the underlying asset: The token tracks the price of the real share. If Apple's value falls 10%, your token will too.
- Counterparty risk: You depend on the entity that holds the real shares in custody and issues the tokens, so the platform's regulation and reliability are key. Learn everything we do for your security at Skipo.
- No guaranteed returns: Markets fluctuate, and although tokenization makes access easier, it does not remove the risks inherent to investing in the stock market.
How to invest in tokenized stocks with Skipo xStocks
We have made investing in tokenized stocks with Skipo simple and accessible for you. You can start today in seconds:
- Download the Skipo app: Available for iOS and Android, our app is your gateway to the world of tokenized stocks.
- Create your account and verify your identity: The process is quick and easy, taking just a few minutes to meet security and regulatory requirements.
- Deposit Chilean pesos into your Skipo wallet: Deposit pesos or crypto into your account with no additional fees.
- Go to the xStocks section and choose your stocks: Explore xStocks of leading companies like Apple, Tesla, Nvidia, Alphabet, Microsoft and others.
- Set the amount to invest and confirm the purchase: You can start with small amounts, buying fractions from CLP 1,000.
- Your tokenized stocks will be held in your wallet: You can sell them 24/7 or 24/5 depending on the xStock, without waiting for market hours.
Key Takeaways
- Tokenized stocks democratize access to global markets such as the NYSE and NASDAQ from Chile.
- Skipo xStocks lets you invest in fractions of shares of major companies with Chilean pesos and no commissions.
- Tokenized investing offers 24/7 or 24/5 liquidity, depending on the xStock, and instant settlement (T+0).
- The global tokenized stock market passed US$1.2 billion in December 2025, growing more than 2,800% in one year.
- Skipo is registered in the CMF's Registry of Financial Service Providers, and its authorization to operate is in process under the Fintech Law (Law No. 21.521). It is also registered with the UAF.
Is it time to invest in tokenized stocks from Chile?
Tokenized stocks are the gateway to the US market without the traditional complications: simpler, more accessible and more technological. With Skipo, you can invest in tokenized stocks of the world's most important companies with Chilean pesos. We have simplified the process so you can invest your way: 24/7 or 24/5 depending on the xStock, no buy or sell commissions and no maintenance costs.
At Skipo we believe stock tokenization is the next structural step in democratizing investment. Today tokenized stocks represent a market of more than US$1.2 billion, a tiny fraction of the US$120 trillion global stock market. That gap is also the opportunity: investing early in a system that, according to analysts, could follow the trajectory of stablecoins in the coming years.
Always remember to diversify your portfolio, invest responsibly and only with capital you are willing to risk. Download Skipo today and start investing in tokenized stocks of Apple, Tesla, Nvidia and more.
Download the Skipo app and start investing in xStocks today.
This article is for informational purposes only and does not constitute financial advice. Asset prices can go up or down, and every investment involves risk. Before investing, assess your personal financial situation.
Frequently asked questions
What are tokenized stocks?
Tokenized stocks are digital tokens issued on a blockchain that represent ownership of a real share held in custody by a regulated entity. The token tracks the price of the underlying share 1:1 and can be bought and sold 24/7 or 24/5 depending on the xStock, in fractions, starting from any amount.
How can I invest in tokenized stocks from Chile?
You can invest in tokenized stocks from Chile by downloading the Skipo app, creating your account and completing identity verification in minutes. Then you deposit Chilean pesos and buy xStocks of companies like Apple, Tesla or NVIDIA from CLP 1,000, commission-free. It is the only platform in Chile that offers this service while registered with the CMF.
What is the difference between tokenized stocks and regular stocks?
The main difference is operational: tokenized stocks can be bought and sold 24/7 or 24/5 depending on the xStock, with instant settlement (T+0) and without converting pesos into dollars. Traditional stocks trade during market hours, settle in T+1 to T+2 and usually require foreign accounts and currency exchange spreads.
Can I buy a fraction of an Apple tokenized stock?
Yes. With xStocks on Skipo you can buy fractions from CLP 1,000; you do not need the full price of the share. This democratizes access to high-value companies whose individual shares can cost hundreds or thousands of dollars.
Which companies can I buy as tokenized stocks on Skipo?
On Skipo you can buy xStocks of Apple, Tesla, NVIDIA, Alphabet, Microsoft, Robinhood, MicroStrategy and tokenized ETFs of the Nasdaq-100 and S&P 500. The catalog is updated periodically. You can see the available options at skipo.com/es/stocks.
What are the risks of investing in tokenized stocks?
The risks include the volatility of the underlying asset (the token price tracks the real share), counterparty risk (depending on the entity that holds the share in custody) and the fact that it is a relatively new segment within the financial ecosystem. There are no guaranteed returns on any investment.
Does Skipo charge a commission to buy tokenized stocks?
No. Skipo does not charge a commission for buying or selling xStocks. This is a significant advantage over traditional brokers, which charge commissions of between 0.15% and 0.70% per trade plus VAT, currency exchange spreads and possible custody costs.
Can I sell my tokenized stocks at any time?
Yes. You can sell your xStocks 24/7 or 24/5 depending on the xStock, without waiting for markets to open. Settlement is instant: the equivalent in pesos will be available in your Skipo wallet within seconds.
Do I need dollars to invest in tokenized stocks?
No. With Skipo you can invest directly with Chilean pesos. There is no visible currency conversion and no exchange spreads. You deposit pesos, buy xStocks and sell in pesos, all in the same app, with no foreign accounts.
What happens to my xStocks if the company holding the real shares has problems?
This is a valid question and part of the counterparty risk you should assess. Skipo's xStocks are issued by Backed Finance, a regulated tokenization provider that holds the real shares in custody through licensed brokers and custodians. You can learn about Skipo's security details at skipo.com/es/security.
How much has the tokenized stock market grown?
The global tokenized stock market reached US$963 million in January 2026, growing 2,878% in one year, according to Phemex. By December 2025 the sector had already passed US$1.2 billion according to Token Terminal, up from US$450 million in just 18 months, according to Cointribune. Industry analysts compare its trajectory to stablecoins in 2020, before that market reached US$300 billion.
Key terms
Tokenized stocks (xStocks): Digital representations of real shares issued on a blockchain, pegged 1:1 to the price of the underlying asset, available 24/7 or 24/5 depending on the xStock and with instant settlement.
Blockchain: Distributed ledger technology that enables secure, transparent transactions without central intermediaries.
Fintech Law (Law No. 21.521): Chilean regulatory framework that sets the rules for the operation of technology-based financial service providers.
24/7 liquidity: The ability to buy or sell an asset at any time of day, with no market-hour restrictions.
Real-World Asset Tokenization (RWA): The process of turning real-world tangible or intangible assets (stocks, bonds, real estate) into digital tokens on a blockchain.
T+0: Instant settlement time: the trade is confirmed at the same moment it is executed, with no waiting days.
Regulated custody: Secure safekeeping of the shares underlying xStocks, managed by licensed brokers and custodians.
