Every property is split into 365 daily tokens. Pick the dates you actually want, pay in any currency, and hold shares in the legal Spanish company that owns the house.
The basics
Every property shows a 365-day calendar. Prices per day track real Costa del Sol short-term-rental data — August Saturdays cost more than January Tuesdays. You buy the days you'll actually use.
Card, SEPA bank transfer, or a crypto wallet (BTC, ETH, USDT, USDC). Whichever you choose, your SplitUp balance is always denominated in euros.
Each listing is held by its own Sociedad Limitada. Your days are legally backed shares, not membership points. Fully notary-backed in Spain.
Plans changed? List your days on the order book. Others bid, you pick the best price. Same mechanics as a stock exchange — no brokers, no fees beyond the spread.
Comparison
The same week in Marbella, three different ways to pay for it.
| Feature | Buy outright | Airbnb / hotel | SplitUp exchange |
|---|---|---|---|
| Capital required | €500k–€2M upfront, or a 30-year mortgage. | Zero capital — but 0% return on every euro you spend. | Flexible. Buy only the days you'll use (e.g. 7 days/year). |
| Cost of your stay | You pay property taxes and utilities year-round, used or not. | Total loss. Once you check out, the money is gone. | Net zero. Buy 7 days, use them, resell them. Your "rent" was an investment. |
| Maintenance | High effort — you're the plumber, the gardener, and the cleaner. | Low effort, but zero control over quality. | Zero effort. Professional marketplace handles work; platform acts as financial backstop. |
| Liquidity & exit | Non-existent. 6+ months to sell, 10% in fees. | Instant exit — but you leave with nothing. | Instant. List your tokens on the exchange and sell in seconds. |
| "Burning house" risk | Your problem. Hope your policy is active. | No risk, but no ownership either. | Master insurance policy + Slash Protocol for malicious damage. |
| Leap year utility | Extra day of bills. | Extra night of rent. | Bonus: Feb 28 token holders get a free 48-hour stay every 4 years. |
Payments
Our payment partner converts crypto to euros at a locked rate before the money ever touches a Spanish bank. You never wait for chain confirmations; Spanish banks never see a crypto inflow.
Fiat rail
Pays directly into a regulated escrow account held by our Payment Institution partner (MANGOPAY / Lemonway). Settlement: instant for cards, same-day for SEPA.
Crypto rail
Connect a wallet. Our conversion partner locks the EUR rate for 15 minutes, takes your crypto, and sends euros to the same escrow account.
Your internal ledger: €1,000 received — regardless of how you paid.
In detail
Every system that keeps your capital safe, your stay guaranteed, and your exit liquid.
We source luxury villas directly from Resales Online, then feed each listing into our proprietary Dynamic Weighting (W) engine to price all 365 tokens individually.
Nothing moves from escrow until the property is 100% funded and independently audited. Three gates stand between your money and the seller.
Buying a token isn't a reservation. It's a registered share of ownership in the Spanish Limited Company that holds the villa.
SplitUp (the company) acts as the primary payer for every operating expense. Owners just reimburse their share.
Three layers protect the asset: mandatory insurance, high-stakes peer rules, and on-platform accountability.
The secondary market is open to every token the moment the property goes live. Trades settle to your euro balance instantly.
Order book
Saturdays in August trade at a premium; a February Tuesday goes for a discount. Every order matches on-platform.
Villa Estepona · 2027-08-15 (Saturday)
Objections
The worries every investor brings up, each mapped to the exact mechanism that handles it.
An owner who only holds 1 day burns the house down or causes massive damage. Their tiny equity can't cover the repair bill.
Every villa carries a high-limit institutional Master Insurance policy held by the SL. If the damage is malicious, the Slash protocol triggers: the offender's tokens are seized without refund to cover deductibles, and they're banned. Your investment is protected by both a financial shield and a behavioural guardrail.
Traditional houses take months to sell. If you need cash you can't sell a bathroom to pay a bill.
SplitUp tokens are liquid. List 1 day or 100 days on the exchange and sell in seconds. We've turned frozen assets into digital cash.
You invest in a villa but it only hits 60% funding. Is your money gone?
Funds sit in a secure, audited escrow. If a property doesn't hit 100% by the deadline, the Auto-Refund triggers — every cent back to your wallet instantly. No zombie investments, no partial ownership.
A property is at 99% and only 1 day is left. Why would anyone buy just one day?
Savvy investors hunt these last tokens. Buying the final day at the wholesale base price flips the property to Live status. Historical data on comparable models suggests tokens jump ~15–20% the moment a property goes Live. Buy the last day at €1,000, sell it on the secondary market next week at €1,200.
A co-owner refuses to pay their 1/365th share of insurance or taxes. The lights go out.
SplitUp is the Guarantor. We pay 100% of the property's bills upfront, so nothing ever lapses. If an owner defaults for over 180 days, the platform absorbs their equity: we take the token, settle the debt, and keep the house 100% funded for the rest of the collective.
You fund a house but it turns out the plumbing is rotten or the roof is leaking.
Money is never released to the seller until our architects perform a deep-dive inspection. If the house fails our quality audit and the seller won't fix it, we cancel the deal and refund everyone. We do the dirty work so you don't have to.
Spending €5,000 on a vacation rental is dead money — you never see it again.
Instead of renting, buy 7 tokens. Stay in the villa as an owner. Because the property is live and appreciating, you can sell those tokens after your stay — often for more than you paid. You didn't pay for a vacation; you took a profitable exit from a short-term investment.
Browse funded properties and start building your calendar.