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Real-World Assets on Stellar

Tokenized real-world assets on Stellar: treasuries, real estate, credit, commodities and receivables, with the issuer behind each one and what is actually on chain.

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OWNY

Owny is an AI-powered financial management platform that streamlines capital, investor, and banking operations for startups, private equity, and venture funds.

Stellar Carbon

Stellarcarbon offers transparent, nature-based carbon offsetting by registering offsets on both the Stellar blockchain and the Verra Registry, enabling users to voluntarily offset their carbon footprint through on-chain and off-chain records.

BWB Digital Assets

BWB Digital Assets is a real estate private equity investment platform that uses tokenization to optimize performance and enhance transparency, financial returns, and user experience. The investments are public offerings compliant with CVM (SEC equivalent).

UrbanFlip

Urbanflip is a live real estate co-investment platform with over $90M invested through it in the last 12 months. Each operation sits in a Spanish SPV holding legal title to one asset; verified professional investors participate as creditors via private placements.

Micro Be

Problem French marinas use clonable RFID cards to distribute water and electricity to boaters, causing ~€385K in annual losses across our 11 contracted marinas. Credit purchases also depend on marina office opening hours: ~25% of high-season arrivals occur outside these hours, limiting access to utilities and representing ~€1.2M in potential annual revenue.

Etesia

Risk-parity, all-weather-style crypto portfolio product on Stellar.

QuietBook

Enterprise, compliance and RWA build from the Stellar Builder Summit SP 26 (1st place) by Kaptan_web3.

EnergyPay Tesouro Yield

Brazil-first emerging-market yield build from the Stellar Builder Summit SP 26 (2nd place) by Fenix.

Truway

Brazil-first emerging-market yield build from the Stellar Builder Summit SP 26 (1st place).

Ballast Re

Ballast Re is an RWA yield-bearing stablecoin vault backed by real-world reinsurance contracts. Reinsurance (insurance for insurers) is a $750B+ industry starved for capital. Ballast Re opens this closed market onchain with sustainable, uncorrelated, safe 6%+ yields. Team: 30+ years across insurance and DeFi, incl. fmr CEO of a major reinsurer plus AXA Ventures and Goldman Sachs alumni. $30M LP and 10+ vault partners committed. How it works: We issue baUSD, a yield-bearing stablecoin backed by regulated US casualty specialty reinsurance treaties, targeting 6%+ APY with zero crypto, equity, or rate correlation. $300B+ in stablecoins sits idle while casualty reinsurance faces its tight capacity with prices rising 5-10%/quarter. Ballast Re connects the two: depositors get baUSD, capital flows to our Bermuda Class 3A SAC reinsurer, and underwriting profit flows back to holders. Unlike T-bill or lending yield (2-4%), baUSD yield comes from insurance premium: no cat exposure, modeled attritional losses, principal protected by a collateral waterfall incl. Reg 114 Trust reserves.

Authline

Trustline onboarding protocol and SDK for Stellar. Bundles trustline creation and authorization into a single on-chain transaction (CAP-73 + Soroban), enabling wallets and exchanges to onboard users to any Stellar asset — including regulated AUTH_REQUIRED tokens — with one wallet signature. Ships a TypeScript SDK (@theaha/authline), Soroban router + authorizer contracts, a self-hostable relayer, and a multi-asset activation dApp at authline.io.

DEXSDKRWABridge

SODAX

A cross-network execution and liquidity system spanning 20 networks, including native Bitcoin and tokenized equities (xStocks). Wallets, DEXs, and lending protocols integrate SODAX to ship cross-network features faster and extend their reach to every network SODAX touches. SODAX is infrastructure for modern money.

DeFa by InvoiceMate

DeFa by InvoiceMate is on-chain Liquidity-as-a-Service infrastructure that tokenizes verified trade receivables and payment settlements, letting stablecoin liquidity finance real-world economic activity (invoice financing, PayFi settlement, growth capital). Private mainnet is live with gated early access; Stellar is its primary deployment (~$4M TVL on Stellar as of 2026-07-16 per DefiLlama).

InfrastructureRWA

Sentora

Sentora is the leading institutional DeFi platform providing curated vault infrastructure, risk management, and capital deployment tools for professional allocators. Non-custodial vaults with real-time analytics and $3B+ deployed across DeFi and real-world assets.

USDY

USDY (Ondo US Dollar Yield) is Ondo Finance's yield-bearing tokenized US-dollar asset, backed by short-term US Treasuries and bank deposits, issued natively on Stellar (issuer GAJMPX…DAZ6, published in ondo.finance's stellar.toml with attestation of reserve and redemption via app.ondo.finance). Unlike a payment stablecoin its price appreciates as yield accrues to holders. Also issued on Ethereum, Solana and other networks.

YLDS

YLDS is an SEC-registered, yield-bearing US-dollar stablecoin issued by Figure Certificate Company (an affiliate of Figure Technology Solutions, Nasdaq: FIGR). Holders earn interest at roughly SOFR minus 0.50%, accrued daily and paid monthly — stablecoin liquidity with money-market-style earning. Launched on Provenance (Feb 2025) and Solana (Nov 2025), YLDS went live on Stellar in May 2026 (stellar.org press: 'Figure Announces Launch of YLDS on Stellar Network') as the network's first regulated yield-bearing dollar product, aimed at fintechs and neobanks offering compliant on-chain dollar savings, notably in Argentina and Brazil.

Sunereum Labs

Combines IoT-driven data collection with Soroban smart contracts for renewable-energy asset monitoring, parametric insurance, and stablecoin-based energy transactions.

Octarine

Tokenized RWAs, such as funds, T-Bills or private credit products, are difficult to trade on traditional DEXs because they are regulated, fragmented and often include redemption periods. This lack of instant liquidity limits their use in DeFi, especially for lending market liquidations, margin calls or fast exits from a RWA into a stablecoin. Octarine solves this problem through RFQ-based auctions. When a user or protocol needs liquidity, selected liquidity providers compete to offer the best executable price. The winning LP takes the asset, waits for its redemption period and earns a premium, while the user receives immediate liquidity. Octarine can also accept bids from third-party protocols and structure dedicated liquidity facilities, increasing available depth and price quality without leaving capital idle. On Stellar, Octarine aims to deploy this liquidity layer for tokenized assets and enable faster and deeper secondary RWA markets.

Soroban Payout & Token Suite

A Soroban-based Asset Manager for issuing, selling, and redeeming tokens with investor onboarding, KYC, and automated payout distribution.

Neftwerk

Blockchain platform for contemporary-art transactions and real-world-asset tokenization of artworks, including the MyPocket Gallery tool and the Neftwerk Protocol.

Tokeshare

Tokeshare is building financial infrastructure on Stellar to enable programmable real-world asset issuance, transparent revenue distribution, and stablecoin-based settlement for operational businesses in emerging markets.

Escala

Escala is a B2B embedded-finance platform (LatAm) building collective-investment products on Soroban with USDC escrows and milestone-based fund releases.

STBL

Empowering ecosystems globally to issue their own money & manage yield. Every ecosystem is unique, its currency should be too. With Stablecoin 2.0, this becomes reality.

TERWA

TERWA is a Soroban-native RWA vault developed by BTC-WINE, a Bordeaux-based wine merchant active in crypto-native wine trading since 2018. It tokenizes premium wine assets on Stellar, issuing vault participation tokens that represent rights to fine wine production across multiple vintages. Token holders choose between a USDC cash redemption at floor price or physical wine delivery. On-chain appraisals provide transparent, immutable valuation history. The reusable vault template is designed as a repeatable framework for onboarding additional real-world assets onto Stellar.

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