The Future of Finance

Fintechs and neobanks operating on stablecoin rails will replace large parts of retail banking by offering faster payments, higher savings, and cheaper loans. To power savings products, they will need access to tokenized assets — treasuries, private credit, MBS, and more. This growing demand for tokenized yield should theoretically absorb the large supply of tokenized assets now coming to market. But this picture hasn’t materialized yet.

Why?

The Deadlock: Compliance, Fragmentation, Liquidity

Compliance
It takes significant time for a fintech to onboard a compliant, regulated fund. Providers must demonstrate KYB/AML for all flows of capital, screen for OFAC and sanctions lists, block restricted jurisdictions, and maintain a paper trail that can stand up to a regulatory audit. In the best cases this takes weeks; often it takes months.

Fragmentation
Every tokenization platform is different. Each has its own legal framework, API, SDK, and smart contract standard. Integrating BlackRock’s BUIDL does not help you integrate Janus Henderson’s JAAA; integrating Ondo does not help you integrate Securitize. Building these one-off integrations requires weeks or months for each new asset and must be repeated every time. To achieve full coverage across major tokenization platforms can take years.

Liquidity
Even when integrated, liquidity is the hardest challenge. T-bills settle quickly, but most offchain assets introduce duration risk, withdrawal delays and operational complexity. To offer these products, fintechs must either force customers to accept multi-day or multi-week lockups, or they must maintain their own liquidity buffers — reducing capital efficiency and adding meaningful internal risk management requirements. For smaller fintechs, this is not realistic.

The Result
An integrator must complete a lengthy compliance onboarding, build a bespoke integration to the tokenization platform, and then either expose users to uncertain redemption windows or build expensive internal liquidity infrastructure. After repeating this process for each additional asset, the economics look worse, not better. This is why so few exchanges and consumer platforms offer RWA products today.

Where Nashpoint Fits

Nashpoint was built to be the orchestration layer for tokenized finance — rewiring financial infrastructure for 24/7, programmatic settlement. Nashpoint’s smart contracts replace many of the functions traditionally performed by fund administrators and custodians like BNY Mellon or State Street, but in a more modular, automated and programmable form. There are no gatekeepers: any professional manager can create an RWA pool and operate it independently.

Earlier, I outlined three barriers blocking RWA adoption: compliance, fragmentation and liquidity. Here is how Nashpoint addresses each of them.

Compliance
Nashpoint acts as a single KYB and onboarding point. Once an entity is approved, it can access multiple tokenization platforms through the same infrastructure. Node operators (fintechs, neobanks, managers) set custom compliance rules at the smart-contract layer, including whitelists, transfer restrictions and OFAC screening.

Custom logic can be inserted at any stage of the transaction lifecycle via Policy contracts — a modular set of immutable smart contracts that allow new compliance rules to be added over time. If a manager needs to adapt their product to changing regulations, a new Policy contract is added to their Node without requiring changes to the underlying fund structure.

Fragmentation
Nashpoint is the single integration for tokenized RWAs and permissionless DeFi. Through a network of Routers and Adapters, a Node operator can access Invesco, WisdomTree, Janus Henderson, DigiFT, Centrifuge, and more — all via one smart contract. Aave or Morpho can be used as a fast-settlement liquidity sleeve, enabling a manager to combine traditional assets with DeFi in a unified product.

For exchanges and fintechs, this provides a diversified, risk-managed portfolio accessible through one integration rather than many. If a partner requires a specialized variant, the Nashpoint team can produce a compliant, custom product for specific liquidity, compliance or jurisdictional requirements.

Liquidity
Nashpoint enables managers to allocate across a diversified portfolio of assets with different maturities and settlement characteristics. A portion can be held in fast-settling assets (T-bills, Aave) to facilitate instant redemptions, while longer-duration assets continue earning yield in the background. The portfolio and liquidity strategy can be delegated to an experienced risk manager.
This is the same maturity transformation that traditional banks perform — borrowing short and lending long — abstracted onchain through automated rebalancing, reserve management, and swing-pricing mechanisms.
Next year, Nashpoint will extend this with functionality allowing the sale of longer-dated assets into market when liquidity buffers need reinforcement.

Conclusion

Nashpoint is live on Arbitrum One today, supported by teams across the ecosystem. We deployed the core contracts in June to build openly in public, with a live pilot product allocating into DeFi and tokenized assets right now.

We are now focused on integrating key partners and preparing for a major product launch early next year. The team has grown from one to six in the last six months. We are not interested in short-term price movements, artificial TVL games, or competing with speculative onchain schemes.
We are building a better financial system.

We succeed by bringing large institutional players onchain with better, faster infrastructure — and requiring transparency, verifiability and immutability in return. This is no longer theoretical; the opportunity is here. Sentiment in markets may be weak, but the fundamentals of tokenization have never been stronger.

The next decade will reshape global finance. All of the world’s wealth will be tokenized and move freely onchain. Nashpoint is built for that world.