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Application Kits/Asset Tokenization

Getting Started

Build your tokenization platform 80% faster. Complete toolkit for issuing stablecoins, tokenized securities, bonds, and digital assets. Used by top banks to tokenize $2B+ in assets.

What is the SettleMint Asset Tokenization Kit?

For financial institutions and enterprises digitizing assets: The SettleMint Asset Tokenization Kit is a production-ready development platform that solves the complex challenge of building digital asset infrastructure. This comprehensive toolkit enables banks, financial institutions, and enterprises to launch tokenization platforms in 2-4 weeks instead of 12-18 months.

Asset Tokenization Kit

Who uses the Asset Tokenization Kit?

Primary Users

  • Banks and Financial Institutions issuing digital bonds, tokenized deposits, and CBDCs
  • Asset Managers creating tokenized funds and investment vehicles
  • Real Estate Companies enabling fractional property ownership
  • Corporate Treasuries launching stablecoins and loyalty programs
  • Government Agencies piloting digital currencies and securities

Problems We Solve

  • 18-month development cycles reduced to 4 weeks
  • $2-5M development costs cut by 70%
  • Regulatory compliance complexity with built-in MiCA, securities law compliance
  • Technical expertise shortage with low-code/no-code tools
  • Integration challenges with pre-built banking and ERP connectors

What can you tokenize?

1. Bonds - Digital Debt Instruments

Bond

Who uses it: Investment banks, governments, corporations

  • Traditional bonds digitized: Corporate bonds, government securities, municipal bonds
  • Key features: Automated coupon payments, maturity management, yield scheduling
  • Compliance: Built-in regulatory controls, investor restrictions, audit trails
  • Success story: European bank tokenized €500M in bonds, reducing issuance costs by 85%

Technical capabilities:

  • Fixed and floating rate support
  • Programmable redemption logic
  • On-chain interest calculations
  • Multi-currency settlements

2. Stablecoins - Digital Fiat Currencies

Stablecoin

Who uses it: Banks, payment providers, fintech companies

  • Use cases: Cross-border payments, CBDC pilots, tokenized deposits
  • Backing models: Fiat reserves, asset-backed, algorithmic
  • Compliance: KYC/AML integration, transaction monitoring, freeze capabilities
  • Performance: 10,000+ TPS on Layer 2, sub-second settlements

Key features:

  • Real-time collateral tracking
  • Proof-of-reserve integration
  • Multi-jurisdiction compliance
  • Programmable monetary policy

3. Tokenized Funds - Digital Investment Vehicles

Fund

Who uses it: Asset managers, hedge funds, private equity

  • Fund types: Mutual funds, hedge funds, ETFs, venture capital
  • Automation: NAV calculations, performance fees, redemptions
  • Investor benefits: 24/7 liquidity, fractional shares, instant settlement
  • Cost savings: 60% reduction in fund administration costs

Management features:

  • Dynamic portfolio rebalancing
  • Automated fee distribution
  • Real-time NAV updates
  • Investor access controls

4. Digital Equities - Tokenized Ownership

Equity

Who uses it: Startups, private companies, stock exchanges

  • Applications: Cap table management, ESOPs, private placements
  • Rights management: Voting, dividends, liquidation preferences
  • Compliance: Transfer restrictions, vesting schedules, accredited investor checks
  • Integration: Corporate governance platforms, shareholder portals

Advanced features:

  • On-chain voting mechanisms
  • Automated dividend distribution
  • Vesting schedule enforcement
  • Multi-class share support

5. Cryptocurrencies - Utility and Governance Tokens

Cryptocurrency

Who uses it: DeFi protocols, gaming platforms, loyalty programs

  • Token models: Fixed supply, inflationary, deflationary
  • Use cases: Platform currencies, governance tokens, reward points
  • Distribution: Airdrops, mining, staking rewards
  • Ecosystem: DEX integration, wallet support, analytics

6. Deposit Tokens - Institutional Digital Assets

Deposit

Who uses it: Central banks, commercial banks, financial infrastructure

  • Applications: Interbank settlements, CBDC pilots, wholesale deposits
  • Controls: Account permissioning, transaction limits, programmable restrictions
  • Integration: Core banking systems, payment rails, clearing houses
  • Compliance: Basel III, regulatory reporting, AML monitoring

Core platform components

  • Battle-tested templates: Audited by leading security firms
  • Gas optimization: 40% lower transaction costs than custom contracts
  • Modular design: Plug-and-play components for rapid customization
  • Standards compliance: ERC-20, ERC-721, ERC-1155 compatible
  • Asset Designer: Visual tool for creating new token types without coding
  • User Management: KYC/AML workflows, role-based access, bulk operations
  • Analytics Suite: Real-time metrics, compliance reports, audit logs
  • Configuration Center: Business rules, compliance settings, integration management
  • SettleMint SDK: TypeScript/JavaScript libraries for custom development
  • REST & GraphQL APIs: Complete programmatic access to all features
  • Webhook System: Real-time event notifications for external systems
  • Testing Framework: Automated testing, sandbox environments
  • Multi-chain support: Ethereum, Polygon, Hyperledger Besu, Quorum
  • Scalability: Handles millions of users and billions in volume
  • High availability: 99.9% uptime SLA, disaster recovery
  • Security: SOC 2 compliant, penetration tested, encrypted storage

How does it reduce development time?

Traditional Development (12-18 months)

  1. Months 1-3: Requirements gathering and architecture design
  2. Months 4-6: Smart contract development from scratch
  3. Months 7-9: Frontend and backend development
  4. Months 10-11: Integration and testing
  5. Months 12-14: Security audits and compliance
  6. Months 15-18: Production deployment and stabilization

With Asset Tokenization Kit (2-4 weeks)

  1. Week 1: Configure token types and compliance rules
  2. Week 2: Customize UI and integrate with existing systems
  3. Week 3: Test with real users and refine workflows
  4. Week 4: Deploy to production with monitoring

Real implementation examples

Case Study 1: European Investment Bank

  • Challenge: Digitize €1B bond issuance program
  • Solution: Deployed bond tokenization platform in 6 weeks
  • Results:
    • 85% reduction in issuance costs
    • Settlement time: T+2 days to instant
    • Investor base expanded by 300%
    • Full regulatory compliance maintained

Case Study 2: Asian Central Bank

  • Challenge: Pilot wholesale CBDC for interbank settlements
  • Solution: Launched deposit token platform for 20 banks
  • Results:
    • $10B in daily settlement volume
    • 99.99% transaction success rate
    • Real-time regulatory reporting
    • Cross-border payments enabled

Case Study 3: US Real Estate Fund

  • Challenge: Enable fractional ownership of commercial properties
  • Solution: Tokenized $500M property portfolio
  • Results:
    • Minimum investment reduced from $1M to $1,000
    • 10,000+ new investors onboarded
    • Secondary market liquidity created
    • Automated rent distribution

Compliance and regulatory features

Built-in Compliance Frameworks

  • MiCA (EU): Markets in Crypto-Assets regulation compliance
  • Securities Laws: US SEC, EU prospectus regulations
  • Banking Regulations: Basel III, PSD2, open banking
  • Data Protection: GDPR, CCPA compliance tools

Key Compliance Features

  • Identity Management: KYC/AML provider integration (Jumio, Onfido, Sumsub)
  • Transaction Monitoring: Real-time screening, suspicious activity reports
  • Investor Restrictions: Accreditation checks, geographic limitations
  • Regulatory Reporting: Automated report generation for authorities

Technical integration capabilities

Banking System Integration

  • Core Banking: Temenos, Finastra, FIS, Jack Henry
  • Payment Rails: SWIFT, SEPA, ACH, card networks
  • Treasury Systems: SAP Treasury, Kyriba, ION
  • Risk Management: Murex, Calypso, Bloomberg

Enterprise Integration

  • ERP Systems: SAP, Oracle, Microsoft Dynamics
  • Identity Providers: Active Directory, Okta, Auth0
  • Document Management: SharePoint, DocuSign
  • Analytics: Tableau, Power BI, Looker

Blockchain Integration

  • Wallets: MetaMask, WalletConnect, Ledger, Trezor
  • DeFi Protocols: Uniswap, Aave, Compound
  • Oracles: Chainlink, Band Protocol
  • Storage: IPFS, Arweave, Filecoin

Getting started

Quick Start Guide

  1. Access the Kit

    git clone https://github.com/settlemint/asset-tokenization-kit
cd asset-tokenization-kit

  2. Configure Environment

    cp .env.example .env
# Edit .env with your settings

  3. Launch Development Environment

    docker-compose up -d
# Access at http://localhost:3000

  4. Deploy Your First Token

    • Open Asset Designer
    • Select token type (bond, stablecoin, etc.)
    • Configure parameters
    • Deploy to testnet

  5. Go to Production

    • Complete security review
    • Configure production blockchain
    • Deploy with monitoring

Resources and Support

Frequently asked questions

Next steps

Ready to launch your tokenization platform?

  1. Explore the Asset Designer →
  2. Review API Documentation →
  3. Schedule a Demo
  4. Join Developer Workshop

Application Kits

Pre-built blockchain application templates that reduce development time by 80%. Launch production-ready solutions for tokenization, NFTs, and supply chain in minutes.

Deployment Guide

Complete deployment guide for launching enterprise-grade asset tokenization platforms - from development to production with automated infrastructure and compliance tools