Unlock the Power of Asset Tokenization with MyMoney
Expert insights into transforming real-world assets into digital opportunities – powered by Qoney at www.mymoney.financial
Discover Qoney Now →What is Asset Tokenization?
Asset tokenization is the process of converting ownership rights of real-world assets into digital tokens on a blockchain. This revolutionary approach democratizes access to traditionally illiquid investments while maintaining security, transparency, and regulatory compliance.
Enhanced Liquidity
Transform illiquid assets into tradeable digital tokens, enabling 24/7 global market access and faster settlements.
Fractional Ownership
Lower investment barriers by dividing high-value assets into affordable fractions, democratizing access to premium investments.
Blockchain Transparency
Immutable ledger ensures complete transaction history, real-time auditing, and tamper-proof ownership records.
Operational Efficiency
Automated smart contracts reduce intermediaries, streamline processes, and minimize transaction costs by up to 80%.
Tokenizable Asset Categories
How Asset Tokenization Works
Our proven 5-step process ensures secure, compliant, and efficient tokenization from asset verification to lifecycle management.
Eligibility Verification & Due Diligence
Comprehensive asset evaluation, legal ownership verification, and regulatory compliance assessment. Our front office conducts thorough KYC/AML checks ensuring ASIC standards are met from day one.
Token Issuance on Blockchain
Creation of digital tokens on the XRP Ledger with smart contracts defining ownership rights, transfer rules, and compliance parameters. Our middle office leverages BigNumber math for absolute precision in token economics.
Trust Lines & Network Establishment
Setting up secure blockchain connections between issuer, custodian, and investor wallets. XRPL trust lines enable controlled token distribution with 4-5 second validation times.
Distribution & Secondary Trading
Compliant token distribution to verified investors with real-time cap table updates. Our platform supports secondary market trading while maintaining regulatory oversight and investor protections.
Ongoing Monitoring & Lifecycle Management
Continuous compliance monitoring, dividend distribution automation, and corporate action management. Our back office provides 24/7 reconciliation with high system resilience and reliability.
Qoney’s Three-Office Architecture
Our institutional-grade platform mirrors traditional financial operations with modern blockchain efficiency.
Front Office
Client onboarding, KYC/AML, investor relations, and compliance intake
Middle Office
Risk management, token economics, smart contract deployment, and validation
Back Office
Settlement, reconciliation, reporting, and operational monitoring
"Our experience ensures compliance-by-design with regulatory standards, leveraging BigNumber mathematics for precision token accounting"
Enterprise-Grade Tokenization Platform
Qoney combines cutting-edge blockchain technology, artificial intelligence, and regulatory expertise to deliver the most advanced asset tokenization platform in Australia.
⚡ Blockchain Efficiency
Built on the XRP Ledger (XRPL) for unmatched performance and cost-effectiveness:
- ✓4-5 second transaction validation
- ✓Ultra-low transaction costs ($0.0002 avg)
- ✓50+ concurrent transaction throughput
- ✓Institutional-grade security & uptime
- ✓Native DEX for secondary trading
🤖 AI Intelligence
13 specialized virtual agents for intelligent automation:
- ✓Predictive analytics & market forecasting
- ✓Automated risk assessment & mitigation
- ✓Smart contract auditing & validation
- ✓Anomaly detection & fraud prevention
- ✓Self-improving data flywheel architecture
✅ Regulatory Compliance
Built for Australian regulators with global standards compliance:
- ✓ASIC-aligned compliance frameworks
- ✓ISO 27001 alignment underway
- ✓Integrated KYC/AML frameworks
- ✓Automated compliance reporting
- ✓Regular third-party security audits
🔒 Security Measures
Bank-grade security protecting your tokenized assets:
- ✓AES-256 encryption at rest & in transit
- ✓Role-based access control (RBAC)
- ✓Multi-signature wallet architecture
- ✓Advanced circuit breakers & system resilience
- ✓Real-time transaction reconciliation
📊 Scalability
Enterprise architecture designed for growth:
- ✓225+ API routes for integration
- ✓211 documented endpoints
- ✓75+ optimized database models
- ✓Zero production errors (current testnet)
- ✓Horizontal scaling capability
📈 Real-time Monitoring
Complete visibility and control over your tokenized assets:
- ✓Live cap table integrity tracking
- ✓Automated compliance monitoring
- ✓Instant alert system for anomalies
- ✓Comprehensive audit trails
- ✓Performance analytics dashboard
Real-World Tokenization Success Stories
Discover how Qoney is transforming traditional assets into digital opportunities across multiple asset classes.
Tokenizing Commercial Real Estate for Fractional Ownership
A $50M Sydney office building was tokenized into 50,000 tokens at $1,000 each, enabling 200+ investors to participate with minimum investments of $5,000. The platform facilitated instant settlements and automated quarterly dividend distributions, reducing administrative costs by 75%.
Results: 98% occupancy rate, 7.2% annual yield, complete transparency for all stakeholders.
Read Full Case Study →Institutional Securities Tokenization
A leading Australian fund manager tokenized a diversified portfolio of ASX-listed securities worth $200M. The solution enabled real-time NAV calculation, instant redemptions, and reduced custody costs. AI agents monitored compliance across 500+ underlying holdings automatically.
Results: 60% reduction in operational costs, same-day settlement, enhanced liquidity for unit holders.
Read Full Case Study →Precious Metals & Commodities on Blockchain
Tokenization of 1,000 kg of gold stored in secure Perth vaults. Each token represents 1 gram of gold, enabling micro-investments starting from $100. Smart contracts ensure full backing, instant redemption rights, and automated storage fee deductions.
Results: 3,500+ token holders, 24/7 trading access, complete audit trail from mine to vault.
Read Full Case Study →Why Choose MyMoney & Qoney?
Decades of fintech experience combined with cutting-edge technology to pioneer institutional-grade tokenization solutions in Australia.
Proven Expertise & Track Record
20+
Years Combined FinTech Experience
ASIC
Regulatory Standards Aligned
225+
API Routes & Integrations
Zero
Production Errors (Testnet)
Technology Partners & Trust Indicators
"Pioneering tokenization for institutions – where decades of financial expertise meets blockchain innovation"
Live Deployment & Future Roadmap
Qoney is currently live on testnet at www.mymoney.financial with mainnet deployment planned for Q2 2025. Our platform is production-ready with comprehensive testing across all workflows.
🌐 Multi-Chain Evolution
Expanding beyond XRPL to Ethereum, Polygon, and other major blockchains for maximum interoperability.
🤝 Institutional Partnerships
Collaborating with banks, brokers, and custodians to create a comprehensive tokenization ecosystem.
🚀 AI-Driven Improvements
Continuous platform enhancement through machine learning and data flywheel architecture.
🌊 "Boats and Tide" Philosophy
As blockchain adoption rises, our platform ensures all participants benefit from increased liquidity and efficiency.
Ready to Tokenize Your Assets? Get Started with Qoney
Join the tokenization revolution. Connect with our team to explore how Qoney can transform your assets into digital opportunities.
Or explore the platform directly:
Explore Qoney Tokenization Platform →Launch Your Tokenized Assets on Qoney →