Why now?
The UK is preparing for regulated digital-asset settlement through the Digital Pound programme, FCA crypto-asset regulation, and legal recognition of digital assets as property.
Official UK regulatory developments
Three major government and regulatory initiatives are shaping the future of digital-asset transactions in the UK.
Digital Pound (CBDC)
The Bank of England and HM Treasury are in an active multi-year design phase to launch a UK Digital Pound — a government-backed currency designed to maintain trust in money, modernise payments, and strengthen the UK's financial infrastructure. The programme runs through 2026, led by the Digital Pound Lab and supported by major financial institutions. Momentum is strong — this is not hypothetical, it's preparation for rollout.
FCA crypto-asset regulation (2025 activity)
The Financial Conduct Authority is actively building a regulatory framework for crypto-assets in 2025, aligning them with traditional financial standards. Beyond 2023's promotion rules, the FCA's current consultations define how crypto businesses will operate under regulated status, with new prudential requirements and enforcement actions already underway.
UK Law — Digital Assets as Property
The Law Commission of England and Wales has confirmed that digital assets should be legally recognised as a new category of personal property, ensuring clear ownership and legal protection. A draft Digital Assets Bill was delivered to Parliament in 2024, now progressing toward legislation — a defining step for the UK's digital-asset economy.
What this means for property transactions
Regulatory clarity is coming
The UK is creating a comprehensive legal framework for digital assets. This means clearer rules, stronger buyer/seller protections, and more confidence in digital-asset transactions across all sectors — including property.
Digital-asset buyers are being mainstreamed
As regulation matures, holding digital assets (including stablecoins) will be treated similarly to holding traditional investments. Buyers with digital wealth will expect the same property market access as everyone else.
Estate agents need compliant pathways
Logica provides the infrastructure for estate agents to connect with this growing buyer segment without taking on regulatory risk. All AML, source-of-funds checks and digital-asset conversion are handled through regulated UK payment channels and specialist solicitor partners.
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