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For Neobanks

Tokenized RWA API for Neobanks

How neobanks can integrate tokenized real-world assets to offer Treasury yields, tokenized equities, and alternative investments to customers.

Target audience

Product managers and CTOs at neobanks and digital banks

Key benefits

✓

Increase deposit yields from 0.5% to 4-5%

✓

Launch investment products in weeks, not months

✓

Differentiate from traditional banks

✓

Generate new revenue from asset management

## The Neobank Opportunity

Neobanks are uniquely positioned to offer tokenized real-world assets (RWAs) to their customers. With existing customer relationships, banking infrastructure, and digital-first operations, adding RWA products can significantly enhance customer value and revenue.

Why RWAs for Neobanks?

Customer Value

  • **Yield on Cash**: Offer 4-5% Treasury yields vs 0.5% savings
  • **Investment Access**: Fractional stocks, bonds, alternatives
  • **24/7 Availability**: No market hours restrictions
  • **Global Assets**: Access international investments
  • Business Value

  • **New Revenue**: Asset management fees, spread on yields
  • **Deposit Stickiness**: Better rates keep deposits
  • **Differentiation**: Stand out from traditional banks
  • **Modern Infrastructure**: API-first integration
  • Key Use Cases

    Treasury Yield Products

    Offer customers yield on idle cash:

  • USDY, USYC, or TBILL integration
  • 4-5% yields vs traditional savings
  • Daily liquidity
  • FDIC alternative positioning
  • Fractional Investing

    Enable fractional stock and ETF access:

  • Backed Finance tokenized stocks
  • S&P 500 exposure via bCSPX
  • $1 minimum investments
  • Alternative Investments

    Expand beyond traditional products:

  • Tokenized private credit (8-12% yields)
  • Real estate exposure
  • Structured products
  • Integration Path

    Phase 1: Treasury Yields (4-6 weeks)

  • Integrate USDY or similar product
  • Offer as "high-yield savings" alternative
  • Simple deposit/withdraw flow
  • Phase 2: Fractional Equities (8-12 weeks)

  • Add tokenized stock access
  • Build portfolio features
  • Implement fractional trading
  • Phase 3: Alternatives (12+ weeks)

  • Add credit products
  • Real estate exposure
  • Full investment suite
  • Compliance Considerations

  • KYC/AML integration with existing flows
  • Regulatory approvals may be needed
  • Product-specific compliance requirements
  • Geographic restrictions apply
  • How Fensory Connect Helps

    Fensory Connect provides:

  • **Single API**: Access all RWA products through one integration
  • **Compliance Support**: Streamlined KYB and regulatory workflows
  • **White-label Ready**: Customizable customer experience
  • **Multi-product**: Treasury, equities, credit from day one
  • Frequently asked questions

    How long does integration take?

    Basic Treasury yield integration can be completed in 4-6 weeks. Full product suite including equities takes 8-12 weeks.

    What regulatory approvals are needed?

    Requirements vary by jurisdiction and product type. Fensory Connect provides compliance guidance and partners with regulated issuers.

    Challenges we solve

    • Low yield on customer deposits
    • Limited investment product selection
    • Complex integration with multiple issuers
    • Regulatory uncertainty around tokenized assets

    Key features

    Treasury Yield Integration

    Offer 4-5% yields on customer cash through tokenized Treasury products

    Fractional Investing

    Enable $1 minimum investments in stocks and ETFs

    Single API Access

    One integration for 50+ RWA products across all asset classes

    Compliance Workflows

    Streamlined KYC/KYB integration with existing banking flows

    Ready to get started?

    Schedule a call to discuss your specific requirements.

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