Author: Nastya, TCP-MARKET
When the ruble unexpectedly strengthened in 2022, I recorded a short video explaining how one could benefit from purchasing real estate. Indeed — those who were calculating in dollars could buy Moscow apartments for almost 30% less. Now the story seems to be repeating itself.
But let's take it step by step.
Real estate market: currency perspective
Looking at the IRN.ru chart, we see a simple thing: despite fluctuations in ruble prices, dollar prices for real estate in Moscow remain in the range of $2,500–3,500 per square meter. Local excursions beyond the channel (for example, the peak of $4,559 in 2022) are exceptions caused by currency anomalies, not real market growth.
The price is currently approaching the upper limit. History shows that such points have often seen reversals. What does this mean in practice?
— Or the ruble will weaken (with stable prices in rubles),
— Or the ruble price will start to decrease (with a stable dollar).
In both cases, the currency price will go down.
What should those who are saving do?
For those holding capital in dollars or crypto, it makes sense not to rush into purchasing real estate right now. Moreover — perhaps it is time to reconsider the very approach to capital preservation.
And here's why.
Real estate vs digital assets
A classic apartment purchase is a capital freeze. Maintenance, taxes, lack of liquidity. Even rental income often does not cover real inflation. In 2025, this approach is not the most effective.
On the other hand, digital tools have emerged that:
— secured by real assets,
— allow participation in the non-bank economy,
— maintain liquidity and anonymity.
Example: TCPcredit and TCPcent
On the TCP-MARKET platform, we use two settlement tools:
TCPcent (TCPct) is a digital settlement unit backed by liquid assets (including metals, real estate, foreign currency reserves). It is used for paying for goods and services, commissions, and participation in platform services.
TCPcredit (TCPcr) is a digital debt obligation denominated in stable currency. It allows the transfer of claims between participants, acting as an equivalent of fiat payment.
The key difference is liquidity and reversibility. You do not freeze capital in concrete; you can use it: pay, trade, withdraw. And all of this — in any country, bypassing banking risks.
Why is this important right now?
Real estate prices in dollars are at the upper limit.
The crypto market is on the rise after a lull.
Fiat is losing trust among users in countries with currency risks.
This means that the ability to preserve and manage capital comes to the forefront, rather than simply 'switching to an apartment.'
That’s why at TCP-MARKET we are building an infrastructure where the user chooses how to manage assets: real estate, digital equivalent, anonymous transfer, lending, DeFi — all within one secure ecosystem.
If you want to preserve capital — count in currency, think in blockchain, act in your market.