Introduction

The SettleMint Asset Tokenization Kit is a complete development toolkit and reference application for launching digital asset platforms quickly and securely. It eliminates the usual complexity of building from scratch by offering a pre-integrated stack of smart contracts, backend services, and a web-based user interface. Whether issuing stablecoins, tokenized securities, or loyalty points, the kit equips developers with all the core components needed to move from idea to prototype in days.

Core components

The kit’s foundation lies in battle-tested smart contract templates that follow standards like ERC-20. These templates are extensible and suitable for multiple asset classes:

Stablecoins and fiat-backed tokens
Tokenized bonds and securities
Loyalty points or reward systems
Real-world asset representations (e.g., real estate, IP)

In addition to the contract layer, a fully functional dApp UI is bundled with the kit. This includes both an admin console and user portal, designed to support common workflows from day one:

Define and configure new tokenized assets using the Asset Designer
Issue, transfer, and monitor digital assets
Manage users through wallet creation, KYC approvals, access control, and blacklisting

Because the backend and frontend layers are already wired together, teams can focus on business logic and design without investing months in integration efforts.

Supported token classes

The Asset Tokenization Kit supports a diverse set of token classes, each built to represent real-world financial instruments on-chain. These include bonds, equities, funds, stablecoins, cryptocurrencies, and deposit-backed tokens, covering both asset ownership and capital instruments. Each class follows a standardized contract interface enriched with configurable parameters, role-based access control, and compliance mechanisms suited for enterprise or institutional deployment.

Token classes are designed to be modular yet interoperable, allowing institutions to digitize traditional instruments, launch programmable assets, and meet regulatory obligations without reengineering core systems. Whether issuing tokenized debt, enabling digital equity programs, or piloting CBDC use cases, these templates serve as production-ready building blocks with built-in lifecycle, governance, and auditability features.

Bond

Bond tokens represent debt instruments issued on-chain, offering fixed or floating returns over a predefined maturity period. These can be structured to support traditional coupon-bearing bonds, zero-coupon notes, or tokenized commercial papers. Bonds enable capital raising with regulatory-grade access control and transparency for both issuers and investors.

Bond tokens can integrate programmable yield schedules, automate redemption workflows, and support on-chain recordkeeping for audits and compliance. These instruments are suitable for both public market issuance and private placements across regulated jurisdictions.

Key Features

Maturity schedules and yield configuration.
Support for redemption, top-up, and withdrawal.
Role-based access control and user-level restrictions.

Example Use Cases

Tokenized corporate bonds or government securities.
Real estate-backed debt issuance.
Treasury bond digitization for regulated investors.

Equity

Equity tokens represent ownership in a company or asset, digitally mirroring shares or voting rights. These tokens can be embedded with compliance logic such as lock-in periods, vesting, or shareholder rights, making them suitable for fundraising, ESOPs, and investor governance in both private and public markets.

Equity tokens support automated cap table management, enabling real-time updates to ownership records and seamless transferability under controlled conditions. They can also be integrated with governance modules to facilitate on-chain voting and shareholder resolutions.

Key Features

Ownership tracking and transfer controls.
Role-based minting, burning, and blocking of accounts.
Smart contract hooks for voting or governance modules.

Example Use Cases

Startup equity or cap table management.
Private equity fund tokenization.
Real-world asset fractional ownership.

Fund

Fund tokens allow the creation and management of pooled investment vehicles where token holders share profits and risks. These tokens can support minting, redemption, NAV tracking, and enforce access controls as per fund structures like mutual funds, hedge funds, or DAOs managing diversified assets.

Fund tokens enable dynamic portfolio management with real-time NAV adjustments and support for multi-asset backing or performance-linked issuance. They offer operational transparency and auditability, making them suitable for both retail-facing platforms and institutional fund structures.

Key Features

NAV-based token minting and withdrawal.
User access restrictions and investor limits.
Full transferability and burn logic.

Example Use Cases

Tokenized mutual or hedge funds.
Venture capital DAOs.
ESG or green finance investment vehicles.

Stablecoin

Stablecoins are blockchain-based representations of fiat currencies or other stable assets. These tokens aim to minimize volatility and serve as mediums of exchange or units of account within digital ecosystems. The framework supports collateral management, freezing, and pausing mechanisms for regulatory compliance and risk control.

Stablecoins also serve as a foundational layer for central bank digital currency (CBDC) prototypes and regulated digital cash systems. They can integrate with identity verification, transaction monitoring, and monetary policy controls, making them adaptable for both commercial applications and government-led digital currency pilots.

Key Features

Collateral tracking and updates.
Freezing and pausing of accounts and contracts.
On-chain minting, burning, and withdrawal mechanisms.

Example Use Cases

Bank-issued tokenized fiat currencies.
Stable medium of exchange in DeFi protocols.
Asset-backed token for remittance or settlement.

Cryptocurrency

Cryptocurrency tokens are fungible digital currencies that can be freely minted, transferred, or withdrawn. They may represent utility, governance, or native currencies of ecosystems, and the tokenization framework supports full lifecycle management with standard access control features for centralized issuance models.

Cryptocurrency tokens can power digital economies within platforms, enabling payments, staking, and access to gated services or features. The framework also allows seamless integration with EVM-compatible wallets, decentralized exchanges, and automated distribution mechanisms for ecosystem incentives.

Key Features

Mintable, burnable, and transferable.
Role-based issuance and withdrawal.
Compatible with EVM wallets and DEXs.

Example Use Cases

In-app or platform utility tokens.
Centralized exchange-listed assets.
Loyalty and rewards token programs.

Deposit

Deposit tokens represent tokenized claims against reserved assets, often used in custodial or institutional settings. These tokens allow fine-grained access control and account-level permissioning, suitable for asset-backed financing, digital guarantees, and central bank-backed pilot systems.

Deposit tokens can be tailored for use in interbank settlement networks, collateralized lending platforms, or programmable escrow arrangements. They support auditability, restricted transfer logic, and integration with core banking systems, making them ideal for regulated financial infrastructure and institutional-grade asset tokenization.

Key Features

Freeze, pause, allow/disallow user functions.
Collateral-based minting and burning.
On-chain controls for regulated issuance.

Example Use Cases

CBDC sandbox or pilot programs.
Regulated commercial bank deposits.
Asset-backed loan tokenization platforms.

Compliance and security

Compliance is not an add-on but an embedded principle in the kit’s architecture. It is built to align with enterprise-grade regulatory expectations, supporting both internal governance and external obligations.

The kit includes:

Whitelisted address logic to restrict transfers to approved participants
Transaction limits configurable per asset or user category
Audit logs to track all key operations on-chain and off-chain
Role-based access control to separate admin and user capabilities
KYC/AML workflows that integrate identity checks into the onboarding process

It also supports alignment with evolving regulations such as Europe’s MiCA, reducing the effort for institutions to stay compliant over time.

Operational monitoring

Institutions need visibility into their asset operations, and the kit offers this out of the box.

The analytics module provides:

Real-time dashboards of asset supply, ownership distribution, and transaction history
Visual breakdowns of token activity for operational and compliance teams
Exportable data views for reporting, audits, or internal governance

This monitoring framework helps organizations maintain transparency and enforce accountability across tokenized programs.

Developer enablement

Developers are not left to glue components together manually. The Asset Tokenization Kit ensures all layers work in harmony and offers powerful tools to accelerate custom development.

Integrated tools

SettleMint SDK and CLI to scaffold, manage, and deploy projects
Web-based IDE for instant cloud development
Local dev compatibility with Git access for use with any code editor

Pre-built blockchain integrations

IPFS for decentralized document and metadata storage
The Graph for indexing on-chain data
Hasura for GraphQL API access to blockchain data

External connectivity

REST and GraphQL APIs to connect with CRMs, core banking systems, and reporting platforms
Hooks and webhooks to automate workflows or trigger third-party actions

This results in a developer experience where the focus is on building business-specific logic, not plumbing infrastructure.

Deployment and automation

Launching environments with the kit is straightforward and scalable. Most setup steps are automated and repeatable across development, testing, and production.

One-click deployment available via SettleMint’s managed infrastructure
CLI-based deployment for more control or private cloud hosting
Environment presets for Dev, Test, and Prod configurations
Integration with standard CI/CD pipelines to support enterprise release cycles

With minimal DevOps overhead, organizations will maintain faster iteration cycles and lower deployment risk.

Speed and efficiency gains

Adopting the kit significantly reduces project timelines and developer workload. Organizations will benefit from:

4x faster smart contract development using pre-audited templates
8x faster front-end development thanks to pre-built dApp interfaces
Launch time in days, not months, for MVPs or pilot rollouts
A modular codebase that enables easy customization without rework

Development teams no longer need to reinvent the wheel, and product teams can validate ideas quickly with real users.

Customization and extensibility

Unlike rigid SaaS platforms, the kit offers complete flexibility. Every component is open and editable:

Modify or extend smart contracts for unique financial instruments
Customize the UI for branding, UX, or business-specific workflows
Add new integrations, APIs, or on-chain data sources as required
Build new features or compliance rules without breaking the architecture

This extensibility ensures that the kit remains relevant as use cases evolve, making it suitable for both pilots and scaled production environments.

Ideal use cases

The Asset Tokenization Kit is well-suited for:

Banks and financial institutions creating programmable money or tokenized debt
Fintech startups building platforms for fractional ownership, stablecoins, or tokenized securities
Corporates issuing loyalty tokens or digitizing internal assets like carbon credits
Governments and regulators running sandbox projects for CBDCs or digital bonds

Its flexibility and compliance-focused design allow it to operate in diverse industry contexts with minimal configuration.

Getting started

To begin using the kit:

Clone the source code from SettleMint's Git repository SettleMint Asset Tokenization Kit on GitHub
Install the SDK and CLI to scaffold a new project
Launch the Web IDE or integrate into your local development environment
Review documentation and API references to begin customizing the application

Comprehensive guides, code samples, and pre-configured environments are available to reduce onboarding time for development teams.

Ongoing support and roadmap

The kit is actively maintained and updated to meet new technical and regulatory requirements
Support channels are available for both developer troubleshooting and enterprise onboarding

Introduction

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