RWA tokenization platform for institutions
Compliant tokenization infrastructure for banks and asset managers — mortgage pool, hard asset, and receivables tokenization through SPV/Trust wrappers, ERC-3643 permissioned tokens, and AI-driven due diligence in one regulation-first platform.
Mortgage pool tokenization
On-chain securitization for mortgage originators and aggregators who need to free up balance-sheet capital without losing regulatory standing. PazaLabs pools mortgage loans into a Trust/SPV, issues ERC-3643 tokens backed by the pool's cash flows, and structures them into senior, mezzanine, and junior tranches with fully transparent waterfall mechanics.
Hard asset tokenization
Unlock liquidity from physical assets — fractional ownership of real estate, hedge funds, ships, and industrial machinery — with enforceable economic rights embedded directly in each token. A Trust/SPV custodies the physical asset while PazaLabs issues ERC-3643 tokens that give holders proportional income rights, governance participation, and primary/secondary market liquidity.
Receivables tokenization
Evergreen short-term investment products — dynamic, continuously replenished pools of short-duration receivables (auto loans, BNPL/eCommerce, MSME invoices, and trade finance) that generate steady yield. As loans mature, new assets enter the pool automatically, maintaining constant exposure and duration profile.
CeDeFAI architecture
Pazalabs combines AI, blockchain, programmable compliance and enterprise integration into a unified technology platform for issuing, governing and managing tokenized real-world assets. Its hybrid CeDeFAI architecture separates compliance-sensitive operations onto a permissioned chain and liquidity operations onto the public chain — while maintaining a verifiable cross-chain audit trail.
AI due diligence
PazaLabs' Retrieval-Augmented Generation (RAG) engine is embedded throughout the platform to automate asset due diligence, improve asset risk assessment, streamline compliance and enhance operational efficiency.
ERC-3643 permissioned tokens
ERC-3643 (T-REX) is the institutional standard for compliant security tokens on EVM chains. It enforces transfer restrictions at the smart contract level — so only verified, whitelisted addresses can hold or transact the token.
SPV and trust structures
Every asset tokenized on PazaLabs sits inside a legal wrapper — an SPV or trust — that holds the asset, isolates it from originator credit risk, and backs the ERC-3643 tokens issued against it.
Ready to tokenize your assets?
Book a session with our structuring team and we'll scope the right asset class and legal wrapper for your use case.