Institutional-Grade Treasury Infrastructure

Tokenize Treasury Securities with Yield-Bearing Digital Assets

Build an institutional treasury tokenization platform for tokenized treasury bills, government bonds, and money market funds built for real compliance and real scale. Launch tokenized treasuries with 4–5% APY, fast mint and redeem, clean transfer controls, and yield mechanics aligned with modern US treasury tokenization.
$ 0 B+
Treasury AUM Tokenized
0 %
Avg Treasury Yield
0 /7
Instant Settlement
0 +
Platform Launches
Quick Answer

What is treasury tokenization and how do tokenized T-Bills work?

Treasury tokenization turns U.S. government exposure, such as tokenized treasury bills and money market fund shares, into blockchain-based assets that can be minted, held, transferred, and redeemed, with built-in compliance controls. Most tokenized treasuries follow a simple model where the underlying assets are held in custody or in a regulated vehicle, yields accrue daily, and users access liquidity through defined mint and redeem workflows, rather than traditional settlement delays.

Security & Audit

Institutional-Grade Security

Multi-layered security architecture protecting treasury assets and investor data

CertiK

Smart contract security audits

Hacken

Blockchain security services

OpenZeppelin

Security audits & tooling

Trail of Bits

Security research & auditing

Quantstamp

Smart contract verification

Consensys Diligence

Ethereum security experts

SOC 2 Type II

ISO 27001

GDPR Compliant

CCPA Compliant

SOX Compliant

Multi-signature treasury controls (3/5 minimum)

Hardware Security Modules (HSM)

Segregated custody accounts

Daily proof of reserves

Real-time fraud monitoring

End-to-end encryption (AES-256)

Continuous security monitoring

Incident response protocols

Regular penetration testing

Insurance coverage up to $100M

Enterprise-Grade Security

Bank-level encryption and compliance standards

256-bit AES Encryption

99.99% Uptime SLA

24/7 Monitoring

Compliance & Regulatory

Treasury Securities Compliance Framework

Navigate complex regulatory requirements across jurisdictions with our built-in compliance infrastructure.

🇺🇸

United States

SEC Reg D

SEC Reg S

Qualified Purchaser

🇪🇺

European Union

MiCA

UCITS

AIFMD

🇬🇧

United Kingdom

FCA

FSMA

Money Market Fund Regs

🇸🇬

Singapore

MAS

SFA

CIS Regulations

🇨🇭

Switzerland

FINMA

DLT Act

CISA

🇦🇪

UAE

ADGM

DFSA

SCA

🇭🇰

Hong Kong

SFC

HKMA

Type 9 License

🇰🇾

Cayman Islands

CIMA

Mutual Funds Act

SOC 2 Type II

Security & availability controls

ISO 27001

Information security management

GDPR Compliant

EU data protection

PCI DSS

Payment card security

CCPA Compliant

California privacy act

SEC Regulation D

Private placement for accredited investors

Qualified Purchaser

$5M+ investment portfolio requirement

Investment Company Act

1940 Act exemption structuring

Securities Act

Registration exemption compliance

Bank Secrecy Act

AML/KYC compliance requirements

OFAC Sanctions

Sanctions screening and compliance

Ready to Tokenize Your Assets?

Schedule a free 30-minute strategy call with our tokenization architects.

Industry Challenges

Stablecoins Are Broken: $150B Earning 0% Yield

The stablecoin market has a big efficiency problem. People who hold stablecoins provide the liquidity, but the issuers keep all the yield from the reserves

Idle Balance

USDC and USDT holders earn 0 percent while issuers keep the Treasury yield, pushing demand toward tokenized treasuries and tokenized treasury bills.

Limited Access

Crypto users and protocols lack a simple on-chain way to reach Treasury yields without off-ramping, creating clear demand for US Treasury tokenization.

Slow Settlement

Traditional treasury buying still needs broker accounts and T+1 settlement, which does not fit how a modern treasury tokenization platform operates.

High Minimums

Direct Treasury purchases often require higher minimums and offer limited redemption flexibility, while tokenized treasury bills can be structured for easier access.

Global Friction

Non-US investors face restrictions and operational barriers using legacy channels, which is why tokenized treasuries are becoming the practical alternative.

No DeFi Use

Traditional treasuries cannot be used cleanly in DeFi strategies, but tokenized treasuries can be designed for compliant collateral and integrations.

$150B+

Stablecoin Market Cap

$2B+

Tokenized Treasuries

5%

Current T-Bill Yield

0%

USDC Holder Yield

The Cost of Inaction

If you are holding $100M in stablecoins that pay nothing, you are effectively skipping $5M or more a year in predictable yield. That is exactly why more teams are moving into tokenized treasuries and tokenized treasury bills as a practical US treasury tokenization upgrade for idle cash.

Our Process

Treasury Tokenization Development Process

Our battle-tested process delivers production-ready treasury platforms in 8-10 weeks.

Total Timeline: 8-10 weeks end-to-end

Step 1 1–2 weeks

Treasury Strategy & Legal Structure

Define treasury product parameters, yield distribution model, and legal/regulatory structure. Select custodians and prime brokers.

Deliverables
Product specification document Legal structure recommendation Custodian/broker selection Regulatory pathway analysis
Step 2 2–3 weeks

Smart Contract Development

Build treasury token contracts with rebasing or reward distribution, compliance modules, and mint/redeem functionality.

Deliverables
Treasury token smart contracts Yield distribution logic Compliance controller (ERC-3643) Mint/redeem contracts
Step 3 2–3 weeks

Platform Development

Build investor portal, admin dashboard, NAV engine, and integration with custody/banking partners.

Deliverables
White-label investor portal Admin management dashboard NAV calculation engine Custody/banking integrations
Step 4 1–2 weeks

Security Audit & Testing

Comprehensive smart contract audits, penetration testing, and end-to-end system testing.

Deliverables
Smart contract audit report Penetration test results Integration test suite Security documentation
Step 5 1–2 weeks

Compliance & Go-Live

Final regulatory review, custody setup, and production deployment. Launch with initial treasury purchase.

Deliverables
Regulatory approval documentation Production deployment Initial T-Bill purchase Launch support & monitoring
Launch & Ongoing Support

Our Solution

Institutional Treasury Tokenization Platform

Our platform enables the creation of fully compliant tokenized treasury products backed by U.S. government securities, delivering real yields on-chain with instant settlement and DeFi composability.

1:1 Backing

Tokenized treasuries are backed by real U.S. Treasury holdings held under regulated custody, so token supply tracks the underlying assets with clear reserve reporting.

Yield Handling

Yield from tokenized treasury bills is reflected automatically, either through rebasing balances or value accrual, so holders see returns without manual payouts.

Mint and Redeem

A treasury tokenization platform should support 24/7 mint and redeem flows, letting users move between tokenized treasuries and USDC with predictable settlement rules.

DeFi Ready

When compliance rules allow it, tokenized treasuries can be used as collateral and integrated into lending and yield strategies without breaking transfer controls.

Regulatory Compliance

US Treasury tokenization requires investor checks, permissioned transfers, and audit trails that stand up to review, not just a checkbox compliance page.

Institutional Custody

Holdings are protected through institutional custody setups with segregated accounts and security controls designed for large balances and operational rigor.

Case Study

Treasury Tokenization Success Story

DeFi Protocol Treasury

Decentralized Finance

The Challenge

A major DeFi protocol was parking $50M+ in USDC and earning nothing, while token holders kept asking the same question in governance: why are we leaving risk-free yield on the table if we are not trying to take market risk?

Our Solution

We helped them shift $30M into tokenized treasury bills through a controlled tokenized treasuries setup that fit their existing governance process and multisig treasury rules, with yield credited automatically and reserve reporting they could point to on-chain when the community asked for proof.

$1.5M+ (From $0)

Annual Yield Generated

60% (Into risk-free assets)

Treasury Diversification

8 weeks (End-to-end)

to Deploy

100% On-chain Transparency

Daily attestations

Moving our treasury from zero-yield stablecoins to tokenized T-Bills was a game-changer. We're now earning $1.5M+ annually while maintaining full liquidity and transparency for our community.
Treasury Lead
Core Contributor at Major DeFi Protocol

See Our Platform in Action

Get a personalized demo tailored to your specific asset class and compliance needs

ROI & Value

Treasury Tokenization ROI

Quantifiable returns from deploying tokenized treasury infrastructure.

Key Metrics

vs. vs 0% on stablecoins
0 4-5%
vs. vs T+1 traditional
0 Instant
vs. vs traditional fund admin
0 70%
vs. vs days traditional
0 Minutes

Yield Generation

Annual treasury yield passed to holders

$5M per $100M AUM

Admin Cost Reduction

Automated NAV, reporting, compliance

$500K+ annually

Settlement Efficiency

T+0 vs T+1 capital efficiency

$200K+ annually

Global Distribution

24/7 global access to US treasuries

10x investor reach

Potential Annual Savings

Up to 70%

Technical Architecture

Treasury Tokenization
Platform Architecture

Battle-tested architecture powering $2B+ in tokenized treasury AUM with institutional security, regulatory compliance, and DeFi composability.

System Architecture
01
Investor Interface Layer

Web portal, mobile app, and API access

Investor Dashboard

Mint/Redeem Interface

Mint/Redeem Interface

Portfolio Tracker

Yield Analytics

Document Vault

Mobile App (iOS/Android)

02
Treasury Operations Layer

Core treasury management and automation

T-Bill Purchase Engine

Yield Calculation Service

NAV Computation Module

Proof of Reserves Generator

Settlement Engine

Reporting Service

03
Smart Contract Layer

Token contracts and compliance enforcement

Treasury Token Contract

Rebasing Logic Module

Compliance Controller (ERC-3643)

Mint/Redeem Contract

Yield Distribution Contract

Governance Module

04
Custody & Settlement Layer

Institutional custody and banking integration

Prime Broker Integration

Custodian APIs

Banking Rails (ACH/Wire)

Stablecoin Settlement

Multi-sig Controls

Insurance Module

05
Data & Oracle Layer

Price feeds and verification

Treasury Price Feeds

Chainlink Integration

Bloomberg Terminal API

Proof of Reserves Oracle

Analytics Engine

Audit Log System

Pershing

State Street

BNY Mellon

Fidelity

Fireblocks

Anchorage

BitGo

Copper

Circle (USDC)

Tether (USDT)

Paxos (USDP)

MakerDAO (DAI)

Aave

Compound

MakerDAO

Morpho

Euler

Chainlink

Bloomberg

Refinitiv

The Graph

Synaps

Jumio

Onfido

Chainalysis

Multi-signature treasury controls (3/5 threshold)

Hardware Security Modules (HSM) for key management

Segregated custody accounts with named beneficiaries

Daily proof of reserves attestations

Real-time AML transaction monitoring

SOC 2 Type II certified infrastructure

Insurance coverage for digital assets

24/7 security operations center

Core Capabilities

Complete Treasury Tokenization Platform

Everything you need to launch and manage tokenized treasuries, from tokenized treasury bills custody to DeFi integrations, built for modern US treasury tokenization.

T-Bill Custody and Management

Integration with prime brokers and custodians for purchasing, holding, and managing U.S. Treasury securities, including laddering and rollover workflows.

Use case: Maintain 1:1 backing with daily proof of reserves

Automated Yield Distribution

Support both yield models so holders see returns without manual payouts, either via rebasing balances or value-based accrual.

Use case: Pass through treasury yields to token holders

Mint and Redeem Engine

24 7 subscription and redemption with clear rules, so users can move between USDC or USD and tokenized treasuries smoothly.

Use case: High-volume mints and redemptions with fast processing

Real-Time NAV Engine

Continuous NAV calculation using reliable pricing feeds, with automated updates during market hours for clean investor reporting.

Use case: Transparent, auditable NAV for institutional investors

Proof of Reserves System

Reserve reporting that ties token supply to verified holdings, designed to make tokenized treasuries easy to trust and easy to validate.

Use case: Build confidence with verifiable backing

Investor Qualification and KYC

Automated onboarding with KYC and investor checks, plus wallet approvals that keep your treasury tokenization platform compliant as it scales.

Use case: Onboard institutions faster without compromising controls

Transfer Restriction Engine

Permissioned transfers are enforced onchain so only eligible wallets can receive or move tokenized treasuries across jurisdictions.

Use case: Ensure every transfer meets regulatory requirements

DeFi Protocol Integration

Prebuilt integrations that allow compliant collateral and lending flows where permitted, without opening unrestricted transfers.

Use case: Unlock utility for tokenized treasuries in DeFi strategies

Multi-Currency Support

Accept USD, USDC, USDT, and wires, with conversion support for global investors who want treasury yield without friction.

Use case: Expand reach with flexible payment options

Regulatory Reporting Suite

Automated statements and exports for audits and filings, so reporting stays clean as tokenized treasuries grow in AUM.

Use case: Reduce compliance workload dramatically

White Label Platform

A fully branded investor portal, mobile experience, and admin dashboard so your product feels institutional from day one.

Use case: Launch your branded tokenized treasury product faster

Treasury Analytics Dashboard

Real-time visibility into AUM, yield performance, investor activity, and portfolio composition with exports for stakeholders.

Use case: Run tokenized treasuries like a business with clear metrics

Industry Applications

Treasury Tokenization Use Cases

Real-world applications driving the $2B+ tokenized treasury market.

DeFi / Crypto

Yield-Bearing Stablecoin Alternative

Replace 0% yield stablecoins with tokenized T-Bills earning 4-5% APY. Protocol treasuries, DAO reserves, and individual holders can earn risk-free government yields.

4-5% APY vs 0%

24/7 liquidity

$500M+ market

DeFi Protocols

DeFi Collateral & Lending

Use tokenized treasuries as collateral on Aave, Compound, and MakerDAO. Earn treasury yield while borrowing against your position for capital efficiency.

2x capital efficiency

Yield + leverage

Multi-protocol support

Enterprise / Corporate

Corporate Treasury Management

Corporate treasurers can park cash in tokenized T-Bills with instant liquidity. 24/7 access to funds while earning government bond yields.

24/7 liquidity

No lock-ups

Automated reporting

DAOs / Web3

DAO Treasury Diversification

DAOs holding volatile crypto can diversify into risk-free treasury yields. Automated governance integration for treasury allocation decisions.

Reduce volatility

Earn 4-5% on reserves

Governance ready

International Investors

Global Access to US Treasuries

Non-US investors can access U.S. Treasury yields through compliant token structures without traditional brokerage barriers.

Global access

24/7 trading

Multi-currency

Asset Managers / Funds

Institutional Cash Management

Hedge funds, family offices, and asset managers can optimize cash positions with instant-access treasury yields and simplified reporting.

Instant redemptions

API integration

Institutional custody

Industry Applications

Commodity Tokenization Use Cases

Practical commodity tokenization succeeds when each product has a clear backing, a clean investor flow, and a trading path that fits the asset.

Precious Metals

Gold-Backed Stablecoin

Issue 1 token is equal to 1 gram of LBMA gold, with Chainlink Proof of Reserves delivering real-time, on-chain verification every 15 minutes.

$100M TVL achieved

50,000+ holders

99.99% reserve accuracy

Precious Metals

Silver Investment Fund

Tokenize allocates silver bars and distributes leasing income automatically, while keeping proof of reserves visibility tied to inventory reporting.

10,000 oz tokenized

2,500 investors

3.2% annual yield

Energy

Oil and Gas Royalty Tokens

Tokenize production royalties and pay investors monthly USDC based on verified volumes and commodity pricing.

$25M royalties tokenized

8.5% avg yield

monthly distributions

Agricultural

Agricultural Commodity Basket

Create a basket token tracking wheat, corn, soybeans, and coffee, with warehouse receipt verification and rules-based quarterly rebalancing.

4 commodities

quarterly rebalance

12% annual return

Industrial Metals

Platinum Group Metals Fund

Launch an institutional metals fund holding platinum, palladium, and rhodium with multi-vault holdings and oracle-driven NAV calculation.

$75M AUM

3 vault locations

institutional only

Precious metal

Diamond Investment Token

Enable fractional ownership in GIA-certified diamonds by linking tokens to specific stones with on-chain certification and valuation records.

500+ carats tokenized

GIA certified

$10 minimum investment

Comparison

Why Choose Ment Tech for Commodity Tokenization

Launch verified commodity tokens in just 10-12 weeks—not 12-18 months. See how our enterprise platform compares.

Features Comparison
USDC/USDT
Money Market Fund
🚀Yield to Holder (Returns)
4-5% APY
0%
4-5% APY
💰Settlement Time (Liquidity)
Instant (T+0)
Instant
T+1
24/7 Availability (Liquidity)
Minimum Investment (Access)
$100+
$1
$1,000+
DeFi Composability (Utility)
Use as Collateral
Government Backing (Safety)
US Treasury
None
US Treasury
Proof of Reserves (Transparency)
On-chain daily
Monthly audit
Quarterly report
Global Access (Access)
Limited
Instant Redemption (Liquidity)
Tax Reporting (Compliance)
Automated
Manual
Automated
Regulatory Status (Compliance)
Securities
Unregulated
Regulated

Our Recommendation

Tokenized treasuries combine the yield of traditional money market funds with the liquidity and composability of stablecoins—delivering the best of both worlds for modern treasury management.

Get Your Custom Tokenization Quote

Share your requirements and receive a detailed proposal within 48 hours.

Technology Stack

Treasury Platform Technology Stack

Enterprise-grade infrastructure for tokenized treasury products.

Blockchain Networks

Ethereum
Polygon
Arbitrum
Base
Avalanche
Stellar

Infrastructure

AWS
Chainlink
The Graph
Alchemy
IPFS
PostgreSQL

Smart Contract Standards

ERC-20
ERC-4626
ERC-3643
Rebasing
OpenZeppelin
Chainlink PoR

Integrations & Partners

Fireblocks
Circle
Bloomberg
Synaps
Aave

24+ technologies integrated

Our Team

Treasury & Fixed Income Expertise

Our team combines deep treasury market expertise with blockchain engineering excellence.

Treasury AUM on platforms we've built
$ 0 B+
Treasury platform launches
0 +
Team members (treasury + blockchain)
0 +
Years average fixed income experience
0 +

Former Goldman Sachs, JPMorgan, BlackRock professionals

CFA charterholders and fixed income specialists

Smart contract auditors (CertiK, OpenZeppelin certified)

Securities lawyers (SEC, FINMA, MAS experienced)

SOC 2 Type II certified operations

Published researchers in tokenized securities

Engagement Models

Treasury Platform Engagement Options

Flexible engagement models for treasury tokenization projects of any scale.

Platform License

White-label treasury tokenization platform with your branding, full feature access, and ongoing support.

Ideal for

Fintechs and asset managers launching treasury products

Custom Development

Bespoke treasury platform built to your exact specifications with unique features and integrations.

Ideal for

Large institutions with specific requirements

Managed Service

We build, operate, and maintain your treasury platform as a turnkey managed service.

Ideal for

Teams wanting to launch fast without ops burden

What’s Included in Every Engagement

FAQ

Treasury Tokenization FAQ

Tokenized treasuries are backed by underlying U.S. Treasuries held via a custodian or regulated vehicle. Most products use tokenized treasury bills, and supply is matched to holdings through frequent reconciliation and investor-ready reports.

Tokenized treasuries earn yield from interest on the underlying treasuries. The yield is reflected either through rebasing balances or NAV-style price appreciation, depending on the US treasury tokenization structure.

Credit risk is the same as U.S. government risk, but the wrapper adds smart contract and operational risk. Strong audits, segregated custody, and a clean legal structure are what make tokenized treasuries reliable.

Sometimes, yes, but usually with permissioned rules. A treasury tokenization platform may allow tokenized treasuries to be used in lending or collateral flows only for approved wallets and compliant transfers.

Minimums vary by product and investor eligibility, with many tokenized treasuries starting from low thresholds and regulated structures starting higher. Fees are typically a platform fee plus custody and admin costs, shown transparently.

Redemption speed depends on liquidity design and banking rails. Some products support near-instant redemptions for smaller sizes, while larger redemptions follow defined cutoffs and settlement windows.

Eligibility depends on the legal structure and jurisdiction. Many US treasury tokenization offerings require KYC/AML and restrict access to verified wallets, and some limit participation to accredited categories.

Eligibility depends on the legal structure and jurisdiction. Many US treasury tokenization offerings require KYC/AML and restrict access to verified wallets, and some limit participation to accredited categories.

Tax treatment depends on your jurisdiction and whether the token represents a fund share, note, or other wrapper. Most platforms provide exportable statements, but tax outcomes should be confirmed locally.

A production launch includes smart contracts, compliance controls, custody integration, reporting, and investor onboarding. A complete treasury tokenization platform is typically delivered in 8 to 10 weeks.

Yes, many protocols use tokenized treasury bills to earn yield on stablecoin reserves while keeping conservative risk exposure. The key is multisig support, governance workflows, and clear redemption mechanics.

Rebasing tokens increases your balance over time as yield accrues. NAV tokens keep your balance fixed while token value increases, and both models can deliver similar economics in tokenized treasuries.

Yes, but transfers typically require compliance checks. Tokenized treasuries often enforce whitelist-based transfers, so tokens only move between approved wallets that meet jurisdiction and investor rules.

For tokenized treasuries news today, follow updates from major issuers and credible market coverage. This is also where Fidelity Ethereum US Treasury Fund tokenization updates typically appear first.

Still have questions?

Can't find the answer you're looking for? Our team is here to help.

Summary

Key Takeaways: Treasury Tokenization

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Ready to Launch Tokenized Treasury Products?

Join BlackRock, Franklin Templeton, and leading fintechs in the $2B+ tokenized treasury market. Our platform delivers production-ready infrastructure in 8-10 weeks.

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