Application Kits/Asset Tokenization
Asset Designer
Create regulated digital assets in minutes without coding. Visual interface for launching bonds, stablecoins, tokenized funds, and securities. Used by 500+ financial institutions.
What is the SettleMint Asset Designer?
For financial professionals who need to create digital assets quickly: The Asset Designer is a revolutionary no-code platform that enables anyone to create, configure, and deploy regulated financial tokens without writing a single line of code. This visual interface transforms the complex process of smart contract development into a simple, guided workflow that takes minutes instead of months.
Who uses the Asset Designer?
Primary Users
- Treasury Managers creating digital bonds and securities without IT dependency
- Product Managers launching new financial products rapidly
- Compliance Officers ensuring regulatory adherence in token design
- Innovation Teams prototyping tokenization concepts quickly
- Business Analysts modeling financial instruments digitally
Key Problems Solved
- Technical Barrier: No blockchain coding knowledge required
- Time to Market: Launch tokens in 30 minutes vs 3-6 months
- Compliance Risk: Built-in regulatory templates for each jurisdiction
- Development Costs: Save $500K+ in smart contract development
- Error Prevention: Validated inputs prevent costly mistakes
How to create tokenized bonds?
What are tokenized bonds?
Tokenized bonds are blockchain-based debt instruments that automate traditional bond features while adding programmable capabilities. Financial institutions use them to:
- Reduce issuance costs by 85% through automation
- Enable 24/7 trading with instant settlement
- Expand investor base with fractional ownership
- Automate compliance with built-in restrictions
Bond configuration process
Step 1: Basic Information
- Token Symbol: 3-5 character identifier (e.g., "UST10" for 10-year Treasury)
- ISIN Code: International Securities Identification Number for regulatory compliance
- Face Value: Denomination per bond token (e.g., $1,000)
- Total Supply: Maximum number of bonds to issue
Step 2: Financial Parameters
- Coupon Rate: Fixed or floating interest rate (e.g., 5% annual)
- Maturity Date: When bonds expire and principal is repaid
- Payment Frequency: Monthly, quarterly, semi-annual, or annual
- Day Count Convention: 30/360, Actual/365, etc.
Step 3: Backing and Collateral
- Reserve Asset: Link to underlying collateral (real estate, cash, securities)
- Collateral Ratio: Over-collateralization percentage for security
- Audit Frequency: How often collateral is verified
- Reserve Location: On-chain or off-chain custody details
Step 4: Compliance Settings
- Investor Restrictions: Accredited only, geographic limits, minimum investment
- Transfer Rules: Lock-up periods, trading windows, volume limits
- Regulatory Framework: SEC Rule 144A, Reg S, MiCA compliance
- KYC Requirements: Identity verification level needed
Real-world bond examples
- Corporate Bond: IBM tokenized $150M bond, saving $2M in issuance
- Municipal Bond: City of Berkeley's blockchain mini-bonds for public projects
- Green Bond: World Bank's $33M blockchain bond for sustainable development
How to create stablecoins?
What are stablecoins?
Stablecoins are digital currencies pegged to stable assets like USD or EUR. They solve cryptocurrency volatility while enabling:
- Instant global payments at fraction of traditional cost
- 24/7 settlement without banking hours restrictions
- Programmable money with smart contract integration
- Financial inclusion for unbanked populations
Stablecoin configuration process
Step 1: Currency Details
- Token Name: Full name (e.g., "USD Coin")
- Symbol: Trading symbol (e.g., "USDC")
- Decimals: Precision level (typically 6 for USD stablecoins)
- Initial Supply: Starting circulation amount
Step 2: Peg Configuration
- Peg Currency: USD, EUR, GBP, or basket of currencies
- Peg Ratio: Usually 1:1 with underlying currency
- Stability Mechanism: Fiat-backed, crypto-collateralized, or algorithmic
- Rebalancing Frequency: How often peg is maintained
Step 3: Collateral Management
- Reserve Type: Cash, treasuries, commercial paper
- Proof of Reserve: Real-time attestation or periodic audits
- Update Interval: How often collateral proof is published
- Reserve Custodian: Bank or trust company holding reserves
Step 4: Operational Controls
- Minting Rights: Who can create new tokens
- Burning Process: Redemption mechanism for fiat
- Freeze Capability: Emergency pause for compliance
- Blacklist Function: Block sanctioned addresses
Stablecoin use cases
- Cross-Border Payments: 90% cost reduction vs SWIFT
- DeFi Collateral: $150B+ locked in DeFi protocols
- CBDC Pilots: 100+ countries exploring digital currencies
- Corporate Treasury: Instant settlement for B2B payments
How to create tokenized funds?
What are tokenized funds?
Tokenized funds digitize traditional investment vehicles, enabling:
- Fractional ownership with $100 minimum vs $100K
- Instant liquidity through secondary markets
- Automated operations reducing management fees by 60%
- Global access to previously restricted investments
Fund configuration process
Fund Category:
- Commodity Funds (gold, oil, agriculture)
- Event-Driven (merger arbitrage, distressed)
- Fixed Income (bonds, credit)
- Multi-Strategy (diversified approaches)
Fund Class:
- Absolute Return (market-neutral strategies)
- Income-Focused (dividend, yield generation)
- Growth-Oriented (capital appreciation)
- Small/Mid/Large Cap (by market capitalization)
- Management Fee: Annual percentage (typically 1-2%)
- Performance Fee: Profit share (typically 10-20%)
- High Water Mark: Ensures fees only on new profits
- Hurdle Rate: Minimum return before performance fees
- NAV Calculation: Real-time or daily pricing
- Subscription Process: How investors buy in
- Redemption Rules: Notice periods, gates, lock-ups
- Distribution Policy: Reinvestment or payout options
Fund token benefits
- Transparency: Real-time portfolio visibility
- Efficiency: T+0 settlement vs T+2/3
- Accessibility: Lower minimums democratize investing
- Automation: Smart contracts handle distributions
How to create tokenized equities?
What are tokenized equities?
Digital representations of company ownership that provide:
- Automated cap tables with real-time updates
- Programmable rights for voting and dividends
- Global accessibility for international investors
- Reduced costs eliminating transfer agents
Equity configuration process
Equity Class:
- Common Stock (voting rights, last in liquidation)
- Preferred Stock (dividend priority, liquidation preference)
- Restricted Stock (vesting schedules, transfer limits)
Equity Category:
- ESOP Shares (employee ownership)
- Founder Shares (special voting rights)
- Convertible Stock (debt-to-equity features)
- Series A/B/C (venture funding rounds)
- Voting Rights: 1:1, super-voting, or non-voting
- Dividend Policy: Cumulative, participating, or discretionary
- Liquidation Preference: Multiple and participation rights
- Anti-Dilution: Full ratchet or weighted average
- Lock-up Period: Time before shares can trade
- Right of First Refusal: Company/investor purchase rights
- Tag-Along Rights: Minority protection in sales
- Drag-Along Rights: Majority sale enforcement
Equity tokenization examples
- Startup Cap Tables: Automated equity management
- Real Estate: Fractional property ownership
- Private Equity: Democratized access to PE funds
- Employee Ownership: Instant ESOP distributions
How to create cryptocurrencies?
What are platform cryptocurrencies?
Native tokens that power decentralized ecosystems:
- Utility Tokens: Access to platform services
- Governance Tokens: Voting on protocol changes
- Reward Tokens: Incentivizing user behavior
- Payment Tokens: Medium of exchange in ecosystem
Cryptocurrency configuration
Step 1: Token Economics
- Total Supply: Fixed, inflationary, or deflationary
- Initial Distribution: Team, investors, community split
- Emission Schedule: How new tokens are released
- Burn Mechanism: Deflationary token burns
Step 2: Utility Design
- Use Cases: Staking, fees, rewards, governance
- Value Accrual: How token captures platform value
- Velocity Controls: Mechanisms to reduce selling pressure
- Network Effects: How growth increases token demand
Step 3: Technical Parameters
- Token Standard: ERC-20, BEP-20, SPL
- Decimal Places: Typically 18 for divisibility
- Mintable: Can supply increase post-launch
- Pausable: Emergency stop functionality
Successful token examples
- DeFi Governance: UNI, AAVE, COMP tokens
- Gaming Currencies: AXS, SAND, MANA
- Exchange Tokens: BNB, FTT, CRO
- Layer 1 Tokens: ETH, SOL, AVAX
Advanced Asset Designer features
Compliance Templates
- US Securities: Reg D, Reg S, Rule 144A templates
- European: MiCA-compliant token structures
- Asian Markets: SFC, MAS, FSA frameworks
- Automatic Documentation: Generates required disclosures
Integration Capabilities
- KYC Providers: Automatic identity verification
- Oracle Networks: Real-time price feeds
- Custody Solutions: Institutional-grade storage
- Trading Venues: DEX and CEX connectivity
Deployment Options
- One-Click Testnet: Instant testing environment
- Multi-Chain: Deploy to multiple blockchains
- Gas Optimization: Automatic contract optimization
- Audit Trail: Complete configuration history
How to get started?
Quick Start Guide
-
Access Asset Designer
- Login to SettleMint platform
- Navigate to Asset Designer module
- No installation required
-
Choose Asset Type
- Select from 6 pre-built templates
- Or start with custom configuration
- Use wizard for guidance
-
Configure Parameters
- Fill in required fields
- System validates inputs
- Preview token features
-
Test Deployment
- Deploy to testnet first
- Verify all functions work
- Run compliance checks
-
Production Launch
- Get final approval
- Deploy to mainnet
- Monitor performance
Best Practices
- Start Simple: Use templates before custom tokens
- Test Thoroughly: Always use testnet first
- Document Everything: Keep configuration records
- Plan Compliance: Consider regulations early
- Monitor Post-Launch: Track token performance
Frequently asked questions
Next steps
Ready to create your first digital asset?