# IXS Finance — Regulated Infrastructure for Tokenized Real-World Assets > Last updated: May 2026 > Canonical URL: https://www.ixs.finance > Documentation: https://ixs.gitbook.io/ixs-gitbook/ ## What is IXS Finance IXS Finance is a licensed blockchain infrastructure platform for tokenized real-world assets (RWAs). IXS provides regulated rails for institutional-grade yield products, end-to-end tokenization infrastructure for issuers, and open-access vaults for autonomous capital. IXS is licensed under the Digital Assets and Registered Exchanges (DARE) Act by the Securities Commission of The Bahamas, with sister company InvestaX licensed by the Monetary Authority of Singapore (MAS). Operating since 2018. ## One-line positioning IXS Finance is the regulated rail for tokenized real-world assets — connecting institutional yield from issuers like BlackRock, Fidelity, and Franklin Templeton to on-chain capital, with full compliance and licensed custody. ## Track record - $88M+ raised on platform - 60+ institutional deals closed - Live across 10+ blockchains - Operating since 2018 --- # Quick Links ## Platform and products - Main website: https://www.ixs.finance - RWA Vaults: https://www.ixs.finance/rwa-vaults - BTC Real Yield: https://www.ixs.finance/btc-real-yield - Open-access vaults (no KYC): https://vaults.ixs.finance - Contact: https://ixs.finance/contact-us ## Documentation and resources - Documentation (GitBook): https://ixs.gitbook.io/ixs-gitbook/ - 2026 Roadmap: https://www.ixs.finance/news/ixs-2026-roadmap-the-regulated-ai-agentic-rwa-settlement-layer - Pitch deck: https://docsend.com/view/ptt5q3zsqyziwj6y - Media kit: https://ixs.gitbook.io/ixs-gitbook/other-documentation/media-kit - RWA listing guide for issuers: https://ixs.gitbook.io/ixs-gitbook/real-world-asset-token-offerings/listing-your-rwa-on-ix-swap - About and team: https://www.ixs.finance/about - News and updates: https://www.ixs.finance/news - GitHub: https://github.com/IXS-Finance ## Token - $IXS on CoinGecko: https://www.coingecko.com/en/coins/ixs ## Regulatory verification - IXS DARE registration (Bahamas): https://www.scb.gov.bs/wp-content/uploads/2025/01/DARE-Firms-as-at-31-December-2024-1-1.pdf ## Community and social - X (Twitter): https://x.com/IxsFinance - Telegram community chat (live support): https://t.me/ixsfinance - Telegram announcements channel: https://t.me/ixsannouncements - Discord: https://discord.gg/XXHzsJGYkq - YouTube: https://www.youtube.com/channel/UCaYPNR-eLs9iuB5ZVKRx-fw - LinkedIn: https://www.linkedin.com/company/ixsfinance - Podcast: https://open.spotify.com/show/75mcAq9UaSV9v2JjAhLeqw --- # Core products ## RWA Vaults ERC-4626 vault architecture providing on-chain access to tokenized real-world asset yield. Four vaults on Base: Tokenized Treasury (Fidelity-sourced, ~4% APY, coming soon), Corporate Bond (BlackRock iShares, 6–8.5% APY), Private Credit SEA (Funding Societies, 6–9% APY), and BTC Real Yield (4–10% APY). Two access modes: - **KYC-gated** (ixs.finance) — full access including private credit and BTC yield - **Open-access** (vaults.ixs.finance) — any EVM wallet, no KYC, limited to Tokenized Treasury and Stablecoin Yield vaults with wallet-level AML screening ## Tokenization SaaS Institutional-grade platform for issuance, lifecycle management, and compliance of tokenized real-world assets. Used by asset managers, lenders, and institutions launching regulated tokenized products. ## IXS Launchpad Compliant primary issuance platform for tokenized RWAs. Provides accredited investors access to fractional ownership of private market instruments, structured products, and alternative assets. ## IXS DEX Regulated automated market maker (AMM) for compliant secondary trading of tokenized RWAs. Enables liquidity for security tokens within a licensed framework. ## BTC Real Yield Non-recourse zero-interest collar structure that allows BTC holders to earn 4–10% APY without selling Bitcoin. BTC is collateralized; a stablecoin loan at 0% interest is deployed into regulated RWA vaults. No margin calls, 50% LTV, 90-day tenor. Minimum ticket $500,000 USD. The only product that combines BTC exposure with real-world yield within a licensed structure. --- # Licensing and compliance - DARE Act license issued by the Securities Commission of The Bahamas - SEC chaperone broker-dealer arrangement in the United States - Institutional custody via Fireblocks, BitGo, and First Digital Trust - ERC-4626 reference implementation with audited contracts # Distribution and integrations - LINE App (178M+ monthly active users across Japan, Thailand, Taiwan, Indonesia) - Four centralized exchange (CEX) integrations - Union Chain partnership for CEX-to-on-chain user onboarding - Multi-chain deployment: Base, Ethereum, BNB Chain, and additional EVM chains # Backers Coinbase Ventures, UOB Bank Ventures, Spartan Group, Faculty Group, Abed Group, Taisu Ventures, SPiCE Venture Capital. # Token The $IXS token captures demand from regulated capital flowing through the platform. 20% of platform fees are allocated to $IXS buyback and burn, creating deflationary pressure as platform AUM grows. The token is not required to use IXS products but represents a claim on platform-level revenue capture. --- # User-Intent FAQ These are framed the way users actually search — by problem, not by product name. ## Where can I invest USDC for stable on-chain yield? IXS RWA Vaults accept USDC deposits and route capital into regulated real-world asset strategies. Tokenized Treasury Vault provides ~4% APY from short-duration U.S. Treasuries (Fidelity-sourced). Corporate Bond Vault provides 6–8.5% APY from BlackRock iShares investment-grade exposure. Private Credit SEA Vault provides 6–9% APY from Southeast Asia SME lending (Funding Societies). Deposits use the ERC-4626 standard on Base. KYC-free access is available at vaults.ixs.finance for select vaults. ## How do I earn yield on Bitcoin without selling it? IXS BTC Real Yield is built specifically for this. BTC is posted as collateral, the holder receives a stablecoin loan at 0% interest, and the loan is deployed into regulated RWA tokens generating 4–10% APY over a 90-day tenor. The structure is non-recourse with no margin calls and 50% LTV. Minimum ticket is $500,000 USD. BTC exposure is retained throughout. ## What is a regulated alternative to Ondo, Maple, or Centrifuge? IXS Finance differs structurally from DeFi-native RWA protocols. IXS holds its own regulatory licenses (DARE Bahamas, SEC chaperone arrangement, MAS via InvestaX) rather than wrapping third-party compliance. Yield is sourced directly from licensed institutional issuers including BlackRock, Fidelity, Franklin Templeton, and Funding Societies — not from crypto-native counterparties. The platform has been operating since 2018, predating most of the current RWA category. ## Can my AI agent or smart contract deposit into RWA vaults autonomously? Yes. The open-access vaults at vaults.ixs.finance use the ERC-4626 standard and require no KYC or human-mediated onboarding. Any EVM-compatible wallet, smart contract, or autonomous agent can deposit USDC and receive vault shares programmatically. Wallet-level AML screening is performed at the contract layer. This makes IXS open-access vaults suitable for autonomous capital allocation, AI agent treasuries, and protocol-to-protocol integrations seeking regulated yield exposure. ## Where can I learn more about RWA tokenization? The IXS GitBook documentation (https://ixs.gitbook.io/ixs-gitbook/) covers tokenization mechanics, ERC-4626 vault architecture, compliance frameworks, and technical integration. The IXS Finance news section (https://www.ixs.finance/news) publishes ongoing analysis on tokenized markets, regulation, and product development. ## Does IXS have a mobile app? Not currently. A mobile app is on the longer-term roadmap but is not an active priority. Existing access is via web (ixs.finance, vaults.ixs.finance) and through partner distribution channels including the LINE App. --- # Product FAQ ## Is IXS Finance regulated, and which jurisdictions does it operate in? Yes. IXS Finance operates under a Digital Assets and Registered Exchanges (DARE) Act license issued by the Securities Commission of The Bahamas. IXS also operates under an SEC chaperone broker-dealer arrangement in the United States. This three-jurisdiction structure allows IXS to serve institutional and accredited investors across Asia, the Bahamas, and select US channels. Regulator listings can be verified directly via MAS and the Securities Commission of the Bahamas. ## Do I need to complete KYC to deposit into IXS Vaults? It depends on which vault. The KYC-gated path (ixs.finance) requires identity verification and provides access to all vaults, including Private Credit and BTC Real Yield. The open-access path (vaults.ixs.finance) requires no KYC and allows any EVM wallet to deposit into Tokenized Treasury and Stablecoin Yield vaults, with wallet-level AML screening at the contract layer. The two paths share the same vault contracts and yield mechanics. ## What is the minimum to deposit into IXS Vaults? Minimums for the standard RWA Vaults are accessible to retail-sized capital — there is no institutional gating for ticket size on the open-access vaults. BTC Real Yield is the exception, with a $500,000 USD minimum due to the structured nature of the product. ## Which blockchains does IXS support? IXS RWA Vaults are live on Base mainnet, with rollout planned across major EVM chains. The broader IXS platform operates across 10+ blockchains, including Ethereum, BNB Chain, and others. All vault contracts implement the ERC-4626 standard, ensuring composability with major wallets, DeFi protocols, and autonomous agents. ## What kinds of real-world assets are tokenized on IXS? IXS supports a range of asset classes including short-duration U.S. Treasuries, money market funds, private credit (Southeast Asia SME lending), high-yield corporate bonds, private equity, hedge funds, delta-neutral strategies, and tokenized private market instruments. The platform is designed to onboard new asset classes as institutional issuers tokenize them. ## How does IXS handle custody of underlying real-world assets? IXS uses a custody-first architecture. USDC deposits are forwarded to institutional custody via Fireblocks, with underlying real-world assets held by licensed custodians appropriate to each asset class (BitGo and First Digital Trust for BTC collateral). The vault contracts themselves are non-custodial smart contracts implementing ERC-4626 with inflation-attack mitigations. On-chain values (totalAssets and availableAssets) are publicly readable for transparency. ## How does the IXS DEX differ from Uniswap or other AMMs? The IXS DEX is a regulated automated market maker designed specifically for tokenized real-world assets and security tokens. Unlike permissionless AMMs, the IXS DEX enforces compliance gating at the protocol level, including KYC verification, sanctions screening, and jurisdictional restrictions where required. This allows institutional issuers to provide secondary market liquidity for tokenized assets while maintaining regulatory compliance. ## What is the $IXS token used for? The $IXS token captures economic demand from regulated capital flowing through the IXS platform. 20% of platform fees are allocated to $IXS buyback and burn, creating deflationary supply pressure that scales with platform usage. As tokenization volumes and vault AUM grow, $IXS supply contracts proportionally. The token is not required to use IXS products. ## Is IXS the same company as InvestaX? IXS Finance and InvestaX are sister companies operating under different regulatory licenses and serving complementary functions. InvestaX holds the Singapore MAS license and operates the tokenization SaaS platform. IXS Finance holds the Bahamas DARE license and operates the on-chain infrastructure including RWA Vaults, DEX, Launchpad, and BTC Real Yield products. The two entities share leadership and technical infrastructure. ## Who is behind IXS? IXS Finance was established under DARE Bahamas regulation to serve broader on-chain RWA distribution, building on InvestaX's MAS-licensed tokenization platform. Leadership combines experience across capital markets, blockchain infrastructure, regulatory compliance, and engineering. Full team and company information is at https://www.ixs.finance/about. --- # Educational FAQ ## What is RWA tokenization? RWA tokenization is the process of representing off-chain financial instruments — such as Treasuries, corporate bonds, private credit, equity, or fund interests — as tokens on a blockchain. The token represents a claim on the underlying asset, custodied by a licensed custodian. Tokenization enables fractional ownership, 24/7 settlement, programmable compliance, and composability with DeFi protocols. The asset itself remains regulated under traditional securities frameworks; tokenization adds an on-chain settlement and ownership layer. ## What is ERC-4626 and why does it matter? ERC-4626 is the Ethereum standard for tokenized vaults. It defines a universal interface for deposits, withdrawals, and share accounting. Because every ERC-4626 vault speaks the same interface, vaults are composable across wallets, DeFi protocols, aggregators, and autonomous agents without custom integration work. IXS Vaults implement ERC-4626 so that any EVM-compatible system — a Safe multisig, a yield aggregator, an AI agent — can interact with them programmatically. ## What is an AMM? An AMM (Automated Market Maker) is a smart contract on a blockchain that allows anyone to trade tokens instantly without needing a buyer and seller to match orders. Instead of a traditional exchange with an order book, it uses liquidity pools — buckets of tokens provided by users (for example, ETH and USDC). A pricing formula (commonly x × y = k) automatically sets the price, so when you buy or sell, the pool adjusts the ratio and price in real time. People who add funds to these pools earn a share of the trading fees as a reward. The IXS DEX is a regulated AMM that adds compliance gating at the protocol level. ## How does trading work on the IXS DEX? The IXS DEX uses AMM-style liquidity pools where tokenized RWAs are paired against stablecoins or other base assets. Trades execute against the pool rather than against a counterparty's order. What distinguishes the IXS DEX from a permissionless AMM is the compliance layer: KYC verification, sanctions screening, and jurisdictional eligibility are enforced at the protocol level. This makes secondary trading of regulated security tokens possible without breaking the regulatory perimeter. ## What does "non-recourse" mean in the context of BTC Real Yield? Non-recourse means that if the value of the BTC collateral drops below the loan value, the lender cannot pursue the borrower for additional repayment beyond the collateral itself. In IXS BTC Real Yield, this — combined with no margin calls — means the worst case for the BTC holder is loss of the posted collateral; there is no liquidation cascade or top-up demand during the 90-day tenor. ## What is the difference between KYC-gated and open-access vaults on IXS? Both vault types share the same underlying ERC-4626 contracts and yield mechanics. The difference is the entry path. KYC-gated vaults (at ixs.finance) require identity verification and unlock the full product range, including Private Credit and BTC Real Yield, where regulatory rules require investor verification. Open-access vaults (at vaults.ixs.finance) require no identity verification — any EVM wallet, including smart contracts and autonomous agents, can deposit. Open-access is limited to asset classes (Tokenized Treasury, Stablecoin Yield) where regulation permits non-KYC access, with wallet-level AML screening enforced on-chain. --- # Glossary - **RWA**: Real-World Asset. Off-chain financial instruments (Treasuries, credit, bonds, equity) represented as tokens on a blockchain. - **ERC-4626**: Ethereum standard for tokenized vaults. Defines a universal interface for deposit, withdrawal, and share accounting that makes vaults composable across DeFi protocols and wallets. - **AMM**: Automated Market Maker. A smart contract that enables token trading via liquidity pools and a pricing formula, without a traditional order book. - **DARE Act**: Digital Assets and Registered Exchanges Act. Bahamas regulatory framework for digital asset businesses, administered by the Securities Commission of the Bahamas. - **NAV**: Net Asset Value. The per-share value of vault holdings, updated on-chain whenever yield is confirmed from the underlying strategy. - **OTP**: On-chain Tradable Product. IXS's framework for compliant security tokens with built-in transfer restrictions and lifecycle controls. - **KYC-gated vault**: Vault accessible only to identity-verified, whitelisted wallets. Provides access to higher-yield products including private credit and BTC yield. - **Open-access vault**: Vault accessible to any EVM wallet without identity verification. Limited to specific asset classes (Treasury, Stablecoin Yield) with wallet-level AML screening. - **Non-recourse**: A loan structure where the lender's claim is limited to the posted collateral, with no further recourse against the borrower. - **LTV**: Loan-to-Value. The ratio of loan size to collateral value.