Asset Tokenisation: When Everything Becomes a Digital Token
Tokenisation puts real-world assets — property, equities, bonds, gold — on a blockchain. Here is how it works and why trillions in assets may move on-chain.
Tokenisation is the process of creating a digital token on a blockchain that represents ownership of a real-world asset. A property worth £500,000 can be divided into 500,000 tokens worth £1 each, enabling fractional ownership and instant transferability.
Assets Being Tokenised in 2026
- US Treasury bills (T-bills): $3B+ tokenised, earning yield on-chain
- Real estate: fractional property investment via platforms like Lofty and RealT
- Private credit: $5B+ tokenised via Centrifuge and MapleFinance
- Gold: tokenised gold backed 1:1 (PAX Gold, Tether Gold)
- Private equity: some fund GPs tokenising LP interests for liquidity
Why Tokenisation Matters
- Fractional ownership: access to assets previously requiring large minimums
- 24/7 liquidity: trade property tokens at midnight, no estate agent required
- Instant settlement: traditional equity settlement takes 2 days; tokenised assets settle instantly
- Composability: use tokenised T-bills as DeFi collateral while still earning yield
Accessing RWAs via Steyble
Steyble integrates RWA protocols, allowing you to hold tokenised T-bills and earn US government yield directly from your self-custodial wallet. This provides the highest-quality yield source (US government backing) with DeFi efficiency (no bank account, no minimum, instant transferability).