Eight platforms offer tokenized assets with wallets in 2026

Eight platforms-Ondo Finance, Centrifuge, Maple Finance, Backed Finance, RealT, Securitize, Pendle Finance and Goldfinch-provided on-chain access in Q2 2026 to tokenized US Treasuries, asset-backed and corporate private credit, fractional rental real estate, tokenized equities and fixed-rate structured products. Combined assets under management and active loans on these platforms exceeded $21 billion in Q2 2026. Reported yields ranged from about 4.8% APY for tokenized Treasuries to as high as 18% APY on some higher-risk credit positions.

Ondo’s USDY functions as a DeFi-composable tokenized Treasury product that accrues roughly 4.8% APY into its exchange rate and can be used across decentralized protocols. Centrifuge operates pools backed by NFT-collateralized real-world assets such as trade receivables and commercial mortgages; senior tranches reported yields around 6%–14% depending on tranche and asset. Maple Finance runs institutional lending pools with Cash Management and High Yield options targeting roughly 9%–15% APY and offering 30–90 day redemption windows for accredited participants.

Backed Finance issues ERC-20 tokens linked 1:1 to ETFs and stocks under Swiss DLT rules, providing on-chain equity exposure for non-U.S. accredited investors. RealT sells fractional ERC-20 property tokens with minimums from about $50 and distributes monthly rental income in stablecoin. Securitize operates an SEC-registered alternative trading system for tokenized institutional securities and fund positions, with yield varying by offering. Pendle Finance offers principal tokens that lock a fixed APY of about 7%–9% until maturity and are accessible at the DeFi protocol level without formal KYC. Goldfinch focuses on dollar-denominated loans to borrowers in more than 20 emerging-market countries; reported senior pool yields were about 10%–14% and backer pools ranged up to roughly 17%.

Onboarding across these platforms typically required KYC documentation, a compatible Web3 wallet (examples include MetaMask, Ledger or Phantom depending on chain), and funding in USDC for most products. Many platforms required whitelisting of the specific wallet address that will hold tokenized assets; transfers to an unwhitelisted address can block receiving yield or redeeming until rewhitelisting completes. Several private credit and equity offerings required accredited investor verification for U.S. participants.

Risks differed by product type: tokenized Treasuries carried smart contract and platform risk but no borrower credit risk; private credit and emerging-market loans carried borrower default risk and potential liquidity lockups; fixed-rate structured products carried smart contract complexity and market liquidity risk at maturity. Platform-level distinctions included regulated transfer-agent and ATS oversight for Securitize versus DeFi-native custody and counterparty models for other protocols.

Industry infrastructure for custody and compliance expanded in 2026 to include institutional custody solutions and KYC tooling that support these tokenized offerings on-chain. The eight platforms covered a range of access points from retail-accessible property tokens to accredited-only corporate credit pools in Q2 2026.