What Real Finance does

Real Finance builds institutional-grade infrastructure for tokenizing real-world financial assets on a purpose-built Layer 1 blockchain. The operating entity is Credefi UAB (Lithuania), doing business as Real Finance and operating under parent REAL Technologies Inc.; the project was founded circa 2024–2025 with a publicly named core team of three (Ivo Grigorov, Co-founder & CEO; Valentin Dimitrov, Co-founder & COO; Hristo Piyankov, Lead Economist). The platform combines an EVM-compatible, Cosmos Tendermint-based chain built with the Avalanche SDK, CosmWasm smart contracts in Rust/WebAssembly, IBC cross-chain connectivity, and a dual-validator architecture in which tokenizers, risk scorers, and insurance providers participate in consensus by staking $ASSET and facing slashing for misbehavior. Core products include the REAL Blockchain, the $ASSET native utility token (1B initial supply, 5% Year-1 inflation decreasing to ~1%), the REUR euro-pegged stablecoin with on-chain Proof of Deposit, the Disaster Recovery Fund/Network Debt Token mechanism for insurance-failure compensation, the RWA Tokenization Platform at app.real.finance, and a self-serve staking dashboard.

The platform's go-to-market combines enterprise sales to regulated brokers and banks (anchored by Factori AD, Wiener Privatbank SE, Canal Bank S.A., Wiener Bank SE, and Anchorage Digital custody), community-led token distribution via Discord/Telegram/X plus Academy and staking incentive campaigns, multi-exchange $ASSET listings on OKX, KuCoin, Kraken, and MEXC, and developer/SDK-led adoption through CosmWasm, EVM tooling, bug bounties, and testnet/localnet environments. Customer segments span SMEs seeking on-chain liquidity for cash-flow-generating assets, regulated financial institutions onboarding tokenized securities, business validators (tokenizers, scorers, insurers), developers building DeFi and RWA applications, and crypto holders staking $ASSET for ~6–8% APR delegator rewards.

Revenue mechanics rely on $ASSET-denominated transaction fees (distributed to validators/delegators rather than the company treasury), undisclosed tokenization infrastructure service fees, and the broader pipeline of tokenized assets (>$100M with Factori AD and a claimed $500M+ across licensed brokerages and banks). Direct company revenue capture is not publicly quantified; the $29M December 2025 private funding round led by Nimbus Capital (with Magnus Capital and Frekaz Group) underwrites current operations, and a Year-1 tokenization target of $500M is stated but not yet realized as revenue. The geographic footprint spans Europe (Austria, Bulgaria, Lithuania), Panama, the Middle East (Oman), and broader Asia, with explicit geographic restrictions excluding the United States, Canada, and the People's Republic of China.

Name

Real Finance

Legal name

Credefi UAB

Website

https://real.finance

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Real Finance builds an institutional-grade Layer 1 blockchain for tokenizing real-world assets, serving regulated financial institutions, SMEs, and developers with EVM-compatible infrastructure, the $ASSET utility token, and the REUR euro stablecoin.

Ownership category

akta.pro rank

Product category

Blockchain Infrastructure for Real-World Asset Tokenization

NAICS

Securities and Commodity Exchanges (523210), Securities and Commodity Exchanges (52321)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

akta.pro secondary industries

Digital Asset Custody & Wallet Infrastructure for Institutions (MPC/HSM, key mgmt, policy controls) (FSAPAIAE), Compliance, Risk & RegTech for Tokenized Assets (KYC/AML, sanctions, travel rule, reporting) (FSAPAIAH)

Keywords

• Real-world asset tokenization
• Layer 1 blockchain
• Euro stablecoin issuance
• Institutional tokenization infrastructure
• Blockchain protocol consensus

Headquarters

HQ city

Zug

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. $ASSET transaction fees: Native $ASSET token used to pay transaction fees on Real blockchain — covering smart contract execution, RWA tokenization, asset transfers, and scheduled transactions. Distributing fees to validators and delegators rather than the company treasury.
2. Token generation and allocation-driven fundraising: Initial funding (~$29M raised) structured via $ASSET allocations including Treasury (68.5%), Team (15%), Token Investors (2%), Liquidity (10%), and Advisors (4.5%); future token unlocks governed by vesting. Direct revenue capture by the company itself is not described — value accrues via $ASSET ecosystem.
3. Institutional tokenization infrastructure services (pipeline): REAL Finance provides tokenization infrastructure and settlement layer for institutional counterparties (e.g., Factori AD committing >$100M client assets; broader pipeline exceeding $500M across licensed brokerages, banks, and financial institutions). Specific fee structure for tokenization services not publicly disclosed.
4. Euro stablecoin (REUR) settlement currency: REUR euro-pegged stablecoin serves as the primary settlement medium for tokenized bonds, real estate, credit products, and insurance contracts on Real — back-end reserve/yield economics accrue to partner banks backing 1:1 reserves.

Pricing tiers

Go-to-market motion5 records

Distribution channels7 records

Marketing channels12 records

Core offering

Real Finance builds and operates REAL Blockchain, an institutional-grade, EVM-compatible, Cosmos-based Layer 1 designed for compliant tokenization of real-world financial assets. Its product stack centers on the REAL Blockchain protocol, the $ASSET native utility token (transaction fees, staking, governance), the REUR euro-pegged stablecoin with on-chain Proof of Deposit, and the RWA Tokenization Platform (app.real.finance) where regulated institutions and SMEs onboard cash-flow-generating assets through a tokenization-scoring-insurance pipeline.

Product overview

Real Finance operates a unified product portfolio centered on the REAL Blockchain, an EVM-compatible, Cosmos-based Layer 1 blockchain built with the Avalanche SDK using a Tendermint-based Proof-of-Stake consensus. The architecture is platform-plus-modules: the REAL Blockchain is the core settlement layer, the $ASSET token is the native utility asset used for fees, staking, and governance, and the RWA Tokenization Platform (app.real.finance) is the primary user-facing application where institutions onboard cash-flow generating assets through the tokenization, scoring, and insurance pipeline. REUR, the euro-pegged stablecoin, serves as the primary settlement currency within the ecosystem for institutional-grade RWA transactions. Supporting infrastructure includes the Disaster Recovery Fund (DRF) protocol mechanism for insurance default compensation, REAL Staking (including the Genesis Staking Campaign) for $ASSET holders to secure the network, and the REAL Academy educational program. Business validators — tokenization providers, risk assessment partners, and insurance providers — stake $ASSET and participate directly in consensus, embedding institutional compliance into the network's core security model.

Differentiator

Problem solved

Functional benefit

Brands

• REUR: The official euro-pegged stablecoin of the Real Blockchain, fully collateralized 1:1 by euro reserves held with licensed European partner banks, used for settlement and collateral across the Real ecosystem.
• $ASSET

Products and services

• REAL Blockchain Institutional-grade, EVM-compatible, Cosmos-based Layer 1 blockchain built with the Avalanche SDK using Tendermint-based Proof-of-Stake consensus; uses a dual-validator architecture integrating business entities (tokenizers, risk scorers, insurers) directly into consensus. Designed for compliant tokenization of real-world financial assets.
• $ASSET Token Native cryptocurrency of the REAL network with an initial supply of 1,000,000,000 tokens. Used for transaction fees, validator staking, business validator participation, and on-chain governance voting.
• REUR Euro Stablecoin Official euro-pegged stablecoin of the REAL Blockchain, fully collateralized 1:1 by reserves in euros or high-quality euro-denominated assets held across licensed European partner banks. Features on-chain Proof of Deposit (PoD) records for real-time verification and is used as the primary settlement currency for tokenized bonds, real estate, credit products, and insurance contracts.
• RWA Tokenization Platform Self-serve tokenization application enabling tokenization of cash-flow generating assets (corporate and sovereign debt, real-estate-backed instruments, SME credit portfolios, revenue-sharing agreements, insurance-wrapped assets) on the REAL blockchain. Onboarding pipeline runs through tokenization, scoring, and insurance stages with embedded metadata and an A–F asset grading system.

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature8 records

Partnerships

Twelve partnerships are on record, tiered flagship and core.

• Anchorage DigitalflagshipTechnology or Integration · 3 June 2026Anchorage Digital and Real Finance collaborated to manage tokenized financial assets' lifecycles, combining Anchorage's institutional custody and settlement with Real Finance's issuance and lifecycle management tools to support onchain capital markets.
• Factori ADflagshipStrategic or Co-development Partner · 21 May 2026REAL Finance (subsidiary of REAL Technologies Inc.) signed its first securities tokenization agreement with EU-regulated investment broker Factori AD, activating a committed institutional pipeline exceeding $100M in client assets. Factori AD handles regulated brokerage functions (KYC, AML, custody) while REAL Finance provides the tokenization infrastructure and settlement layer; pilot tokenizes 5M Alpha Bulgaria warrants at ~€2.75 each on an EVM-compatible chain.
• Central Depository of BulgariacoreStrategic or Co-development Partner · 21 May 2026Bulgarian securities (Alpha Bulgaria AD) underlying the inaugural tokenization deal are held at the Central Depository in Bulgaria, providing regulated custody and settlement for the tokenized equity derivatives on the EVM-compatible chain.
• OKXcoreChannel Partner/ Reseller/ Distributor · 30 April 2026OKX listed the $ASSET token on April 30, 2026 at 15:00 UTC as part of a coordinated multi-exchange launch, with exchange-led promotional incentives contributing to a $90,000 incentive pool.
• KuCoincoreChannel Partner/ Reseller/ Distributor · 30 April 2026KuCoin listed $ASSET on April 30, 2026 at 15:00 UTC as part of the simultaneous multi-exchange debut alongside OKX, Kraken, and MEXC.
• KrakencoreChannel Partner/ Reseller/ Distributor · 30 April 2026Kraken listed $ASSET on April 30, 2026 at 15:00 UTC as part of the simultaneous multi-exchange debut alongside OKX, KuCoin, and MEXC.
• MEXCcoreChannel Partner/ Reseller/ Distributor · 30 April 2026MEXC listed $ASSET on April 30, 2026 at 15:00 UTC as part of the simultaneous multi-exchange debut alongside OKX, KuCoin, and Kraken.
• Wiener Privatbank SEflagshipStrategic or Co-development Partner · 25 March 2026Wiener Privatbank SE serves as a business validator for Real Finance, supporting tokenization, custody, and reserve operations for the REUR Euro stablecoin. The Austrian private bank also acts as a regulated banking partner enabling institutional compliance.
• Oman Investment AuthoritycoreStrategic or Co-development Partner · 25 March 2026The Oman Investment Authority is listed as a business validator supporting Real Finance's RWA infrastructure, providing institutional validation and signaling sovereign-investor engagement in tokenized finance.
• Canal Bank, S.A.coreStrategic or Co-development Partner · 10 December 2025Panama-based Canal Bank S.A. is cited as a banking partner in Real Finance's institutional relationships, supporting the company's broader objective of aligning blockchain-native infrastructure with established financial systems in Latin America.
• Wiener Bank SEcoreStrategic or Co-development Partner · 10 December 2025Austrian Wiener Bank SE is cited as a banking partner alongside Canal Bank, supporting Real Finance's regulated banking connectivity and international expansion across Europe.
• Matejka / Partner Asset Management GmbHcoreStrategic or Co-development PartnerMatejka (Partner Asset Management GmbH) is featured as a partner on the Real Finance homepage logo strip, indicating a strategic relationship tied to Real's business-validator ecosystem for asset tokenization in the DACH region.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Centrifuge: Centrifuge is a decentralized protocol for tokenizing real-world assets (invoices, real estate, royalties) with onchain financing pools. It directly parallels Real Finance's RWA tokenization focus and SME credit-portfolio use case.
• Ondo Finance: Ondo Finance is a leading institutional RWA tokenization platform offering tokenized US Treasuries and yield-bearing products. It directly competes with Real Finance in bringing regulated, yield-bearing real-world assets onchain for institutional and retail users.
• Tokeny: Tokeny is a tokenization infrastructure provider enabling financial institutions to issue, manage, and transfer regulated digital securities. Its compliance-first platform is closely comparable to Real's institutional tokenization offerings for brokers and asset managers.
• Maple Finance: Maple Finance is an institutional onchain credit platform that tokenizes lending positions and serves institutional borrowers. It competes with Real Finance in on-chain institutional credit and RWA-backed lending markets.
• Provenance Blockchain: Provenance Blockchain is a public blockchain purpose-built for financial services, specializing in tokenized private credit, real estate, and asset-backed securities. Its institutional RWA focus is comparable to Real Finance's REAL Blockchain.
• Polymesh: Polymesh is a purpose-built, permissioned blockchain for regulated securities with native compliance features (KYC, identity, confidentiality). It competes with Real Finance's REAL Blockchain in the institutional tokenized-securities niche.
• Securitize: Securitize is a securities tokenization platform providing issuance, transfer, and compliance infrastructure for tokenized funds and private securities. It is a direct peer to Real Finance's institutional RWA tokenization pipeline serving brokers and asset issuers.

Emerging players

• Libre / Libre Capital: Libre is an onchain investment platform offering tokenized hedge funds and alternative assets. It is comparable to Real Finance as an emerging RWA tokenization platform targeting institutional and accredited investors.
• M^0 (MZero Labs): M^0 is a stablecoin infrastructure protocol enabling institutions to mint cryptographically verifiable stablecoins. It is comparable to Real Finance's REUR as a regulated, transparent stablecoin alternative aimed at institutional settlement.

Others

• Avalanche: Avalanche is the underlying L1 framework on which REAL Blockchain is built (via the Avalanche SDK). It is a broader-incumbent platform offering RWA subnets and institutional tokenization tools that could compete with or absorb Real's niche positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RealFinOfficial
• LinkedInlinkedin.com/company/realfinancerwa

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Real Finance