Tokenized Finance Solutions
Tokenized financial products — tokenized funds, treasuries, deposits and credit — integrated into fintech experiences.
- WalletSigns transaction
- Smart contractVault.deposit()
- BlockchainIncluded in block
- IndexerEvent → Postgres
- APIGraphQL · webhooks
- ApplicationBalance updated
#…4812
12 conf.
#…4813
11 conf.
#…4814
10 conf.
#…4815
pending
Decoded events
- Deposit(0x8f2…a91, 500)confirmed
- Transfer(0x1c7…4de → 0x9b0…77f)confirmed
- RoleGranted(PAUSER, multisig)timelock
RPC failover · 3 providers · reorg-safe indexing
Division
Service area
Web3 FinTech
Engagement
Project · Team · Managed
Overview
Tokenized finance represents financial instruments — money market funds, treasuries, credit, deposits — as tokens with programmable ownership and settlement. We help fintechs and institutions integrate tokenized products into customer experiences, treasury tools and payment flows, and build the platforms that issue and manage them with partners.
Common use cases
- Tokenized treasury accessCustomers or businesses holding tokenized treasury products via partners.
- Tokenized money market fundsYield-bearing tokenized fund units.
- Tokenized creditPrivate credit exposure via tokens.
- Collateral mobilityTokenized assets used as collateral.
Quick answers
Tokenized Finance Solutions at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is tokenized finance solutions?
- Tokenized financial products — tokenized funds, treasuries, deposits and credit — integrated into fintech experiences.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Product integration
- Eligibility & transfer rules
- Subscription & redemption
- Portfolio views
- Collateral workflows
- Reporting
- Which technologies are used?
- Ethereum, Solana, TRON, Base, ERC-20, MPC Cryptography — chosen to fit your stack and constraints.
- How does the process work?
- Product & regulatory model → Ledger & custody design → Chain integration → Risk integration → Operational readiness.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Product integration
Tokenized products in fintech apps.
Eligibility & transfer rules
Investor restrictions enforced on-chain.
Subscription & redemption
Fiat and stablecoin settlement flows.
Portfolio views
Tokenized holdings in customer dashboards.
Collateral workflows
Using tokens in lending and margin.
Reporting
Statements, tax data and reconciliation.
Architecture
Engineered right from day one
The layers we typically design for Web3 FinTech, adapted to your stack and partners.
- On-chain / off-chain reconciliationCustomer ledgers reconciled continuously with wallet and custodian balances.
- Key managementInstitutional custody or MPC integration, never ad-hoc key storage.
- Chain reorganisationsConfirmation policies and reorg handling per network.
- Regulatory positioningRegulated activities performed by licensed partners; we build the technology.
Delivery
How an engagement runs
- 1
Product & regulatory model
Define products and which licensed partners provide custody, exchange and fiat services.
- 2
Ledger & custody design
Internal ledger reconciled to on-chain balances and custodian records.
- 3
Chain integration
Deposit detection, withdrawals, confirmations and fee management per network.
- 4
Risk integration
Screening, monitoring and travel-rule messaging integrated into flows.
- 5
Operational readiness
Treasury, reconciliation and incident procedures before launch.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreRelated services
Often combined with
RWA Tokenization
Real-world asset tokenization platforms covering the full lifecycle — issuance, onboarding, transfers, custody and settlement.
Learn moreFund Tokenization
Tokenize fund units — money market, credit, equity and alternative funds — with on-chain registries and settlement.
Learn moreTreasury Tokenization
Tokenized treasury products — on-chain exposure to government securities with subscriptions, NAV and stablecoin settlement.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Tokenized fund units with on-chain eligibility
How we structure a fund tokenization platform where only eligible investors can hold or receive units.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreTokenization is an operations problem, not a token problem
Minting a token takes minutes. Running an asset's full lifecycle on-chain — eligibility, distributions, recovery, reconciliation — is the real work.
Learn moreFAQ
Frequently asked questions
Can retail customers access tokenized funds?
It depends on the product's legal structure and jurisdiction; eligibility rules are enforced technically as defined by the issuer's counsel.
How do tokenized products settle?
Typically in stablecoins or fiat, with delivery-versus-payment designs where supported.
How is Web3 FinTech different from a crypto exchange?
Web3 FinTech focuses on financial-services products — accounts, payments, cards, savings, treasury — that use digital assets, rather than purely on trading. Exchanges are one component we also build.
Which stablecoins and networks do you support?
We integrate the stablecoins and networks your partners and markets require, commonly on Ethereum, major Layer 2 networks, Solana and Tron. Selection is driven by liquidity, cost and compliance considerations.
Next step
Discuss Your Blockchain Project.
Tell us about your tokenized finance solutions requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.