White-label lending infrastructure

The rails behind a working asset-backed lending market.

You bring the market. We bring the platform.

RealWorld runs a live marketplace for lending against physical collateral. Now we license the same infrastructure to institutions who run the loan book under their own brand, in their own jurisdiction.

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200+
loans originated on the live platform
<2%
default rate across the loan tape
11
physical asset categories
Zero
lender losses to date
01 — What we license

A proven platform, deployed under your brand.

You bring the market: borrowers, custody, appraisal, and on-the-ground operations in your jurisdiction. We provide the technology layer that runs the loan, end to end.

Your clients see your interface, your language, your terms. Underneath sits the infrastructure that already settles real loans against gold, watches, jewelry, and other physical assets, with institutional custody integration and independent German trustee oversight.

02 — The division of labor

You own the relationships. We run the technology.

A clean split keeps each side accountable for what it controls.

RealWorld provides
  • The lending and tokenization platform, including the full upgrade pipeline
  • A branded interface in your language
  • Asset tokenization on a best-efforts basis once an asset is onboarded
  • KYC processing through our integrated provider
  • Technical audits and second-line troubleshooting
  • Training on platform processes and functionality
You provide
  • The local operating entity and all counterparty contracts
  • Full responsibility for clients, custodians, appraisers, and insurers
  • Physical custody, authentication, and asset audit on the ground
  • All local fees and operating costs
  • First-line client contact and support
  • Revenue generation within agreed platform processes
03 — A loan, start to finish

Each step has one owner.

1Client requests onboarding through your branded portalLicensee
2Identity processing and KYCRealWorld
3Physical onboarding: custody, appraisal, authentication, auditLicensee
4Asset tokenized and credited to the client accountRealWorld
5Client borrows, refinances, or trades on the platformClient
6Redemption requested on-platform, asset released locallyClient + Licensee
04 — Why license RealWorld

Skip the build. Inherit a running market.

01

Live, not theoretical

This is not a prototype. The platform settles real loans against real collateral today, with a loan tape institutions can review.

02

Institutional custody and oversight

Fireblocks wallet security and independent German trustee oversight are built in, not bolted on.

03

Segregated by design

Your loan book runs on infrastructure isolated from other licensees. Your market, your risk, your control.

04

Conservative collateralization

Lending against physical assets at disciplined loan-to-value ratios, the same discipline that has kept lender losses at zero.

05

Revenue from day one

A simple revenue share aligns both sides. You generate and keep the local upside; we keep the platform running and improving.

06

Built to scale

Security and capacity are engineered for an order of magnitude beyond current volume, so growth does not mean a rebuild.

05 — Trust architecture

The same rails that keep client assets safe.

Fireblocks UOVO The Vault House USD Coin

German trustee

Client assets are held bankruptcy-remote from RealWorld's operations under an independent German trust.

Insured custody

Professional, insured, monitored vault custody through established global custodians.

Fireblocks

Institutional-grade wallet and custody infrastructure, the same technology used by major banks.

KYC / AML

Full identity verification on every participant through an integrated compliance provider.

On-chain settlement

Stablecoin rails for instant, transparent settlement. Every loan is auditable.

Professional appraisal

Third-party authentication and valuation for every asset before lending against it.

06 — First licensee program

Run a secured-lending market without building the platform.

We are working with a small number of institutional partners to deploy the platform in new jurisdictions. If you have the market and the local operation, we have the rails.

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