Free up balance sheets and fund new lending by turning loans, receivables and debt instruments into asset-backed tokens that investors can price, buy and trade — with repayments flowing to holders automatically.
Private credit is one of the fastest-growing tokenized asset classes because the economics are simple and the pain is real: lenders want to recycle capital, investors want transparent exposure to specific loans, and servicing is still run on spreadsheets and settlement files.
We designed an education-loan programme in which an existing loan book moves to an SPV, each loan is minted as asset-backed tokens tagged with its key parameters, lenders bundle tokens into pools, investors bid, a smart contract selects the best bid and settlement happens delivery-versus-payment with a custodian. EMI repayments are then distributed pro-rata as redeemable principal and interest tokens. See the full case study.
Token models that mirror SPV ownership, tranches and waterfalls agreed with your counsel.
Tokens minted to principal and tagged to each loan’s parameters so quality can be assessed and priced.
Lenders create pools; investors bid; smart contracts select bids and validate trades.
Tokens move only when the custodian confirms payment, eliminating settlement risk.
Upload EMI and repayment files; principal and interest are distributed automatically to holders.
Tokens for repaid or written-off loans are retired, keeping supply equal to outstanding exposure.
A delivery approach refined across tokenization programmes for property, credit, energy, carbon and banking.
A workshop with your legal, finance and product leads to define the asset, the investor rights, the jurisdictions and what success looks like.
We choose the token standard, chain, identity model and transfer rules, then document the architecture and smart-contract specification.
Two-week sprints with demos. Smart contracts, investor and admin portals, wallets, KYC, payments and core-system integrations.
Unit, integration and scenario tests, internal review, and an independent smart-contract audit before anything touches mainnet.
Pilot, go-live and ongoing support: monitoring, upgrades, new asset onboarding and reporting for regulators and investors.
A risky student-loan book moved into an SPV, each loan tokenized and pooled, with investor bidding, delivery-versus-payment and automated principal-and-interest distribution.
Can’t find your answer? Ask an engineer directly — no sales script.
Chat with an expertHow lenders tokenize loan books and receivables: SPV structures, loan-level tokens, pool marketplaces, delivery-versus-payment and automated principal and interest distribution.
Tokens don’t create ownership on their own. Learn how SPVs, funds, notes and trusts connect tokens to real assets, how bankruptcy remoteness works and how structure shapes token design.
How DvP works for tokenized securities and loans — atomic swaps, escrow with custodian confirmation, cross-chain settlement and cash-leg options from stablecoins to deposit tokens.
Get a free 30-minute architecture session with a NUVZ tokenization lead. We will map your asset, investor base and jurisdictions to a token model, chain and compliance design — and tell you honestly if tokenization is not the right fit.
Tell us about the asset, the investors and the jurisdictions involved. A senior NUVZ engineer — not a sales script — will reply within one business day with next steps, a suggested architecture and a realistic timeline.
Prefer a call? Pick a 30-minute slot with our team.
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