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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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