Tokenize Platform

Enterprise-grade blockchain financial infrastructure. Cross-border payments, tokenized deposits, tokenized money market funds (TMMF), and tokenized mutual funds (TMF) — all on-chain. Running on Sepolia testnet under the EU DLT Pilot Regime (EU 2022/858).

Think of Tokenize as a modern bank: you deposit euros, earn interest, send money internationally, and invest in regulated funds — but with blockchain technology making everything faster and cheaper. Features atomic FX swaps, ZK-privacy, and cross-chain interoperability.

Explore Use Cases Architecture Go to Dashboard

Core Architecture: Two Parallel Channels

Every payment uses two completely separate channels simultaneously. One channel carries the full payment data (SWIFT ISO 20022 XML). The other channel provides on-chain hash verification (blockchain). They share the same txId as the link between them.

Channel 1: SWIFT (Banking)

• Carries full ISO 20022 XML (invoice, line items, tax)
• Delivered via SWIFT pacs.008 to recipient's bank BIC
• Same as traditional correspondent banking

Channel 2: Blockchain (Verification)

• Carries USDC escrow + data hash only (32 bytes)
• Addressed by on-chain wallet address
• Bob's bank verifies hash matches SWIFT XML

Why two channels? SWIFT carries the rich payment data banks need for compliance and accounting. Blockchain provides tamper-proof verification that the data hasn't been altered. Together they give you the best of both worlds: regulatory compliance + blockchain efficiency.

Supported Standards & Protocols

ERC-20 (USDC) ERC-3643 (Permissioned) ERC-7540 (Async Redemption) ERC-1643 (Reg Docs) ISO 20022 pacs.008 Chainlink CCIP FATF Travel Rule

Industry Reference: BlackRock BUIDL (custom ERC-20 + Securitize compliance), UBS uMINT (ERC-20 + Chainlink DTA), BNY/GS Fundshare (private ledger + BNY LiquidityDirect)

Four Core Banking Scenarios

Click any card to explore the full architecture, smart contracts, and live demo for that use case.

Cross-Border Payments

On-chain USDC settlement in under 10 seconds with atomic FX conversion (PvP), real-time sanctions screening via Chainlink/Chainalysis, and SWIFT ISO 20022 integration. Full end-to-end flow includes off-chain banking steps (SWIFT messaging, SEPA credit).

<10 seconds on-chain • ~$0.02 cost (Sepolia testnet)

Tokenized Deposits

EUR deposits as tokenized assets for purchasing TMMF (money market) and TMF (mutual fund) shares. ZK-privacy for transaction amounts.

1:1 EUR backing • Purchase TMMF & TMF

Tokenized Money Market Fund (TMMF)

Low-risk, stable NAV money market fund (MMFR LVNAV). Daily liquidity (subject to UCITS redemption gates), KYC-gated, daily NAV updates via oracle push. Target yield subject to risk — not guaranteed.

Low risk • Daily liquidity • MMFR compliant

Tokenized Mutual Fund (TMF)

Higher-risk mutual fund (AIFMD/UCITS) with variable NAV. Transition from TMMF or direct purchase. Target yield subject to risk — not guaranteed.

Higher risk • Variable NAV • T+2 redemption