Enterprise-Grade Tokenization APIs and Infrastructure for Financial Institutions

What does Trusset do?

Trusset provides modular, enterprise-grade APIs that enable licensed financial institutions to turn any asset into a programmable, instantly liquid instrument. The platform covers the full asset lifecycle: tokenization and issuance using the ERC-3643 security token standard, 24/7 trading via hybrid orderbook and AMM pools with atomic settlement, and overcollateralized lending through credit-first architecture. Over $100 trillion in securities currently sit idle in custody globally, losing an estimated $2-5 trillion in yield annually. Trusset's infrastructure enables institutions to unlock this value by transforming tokenized holdings into active collateral.

How does tokenization infrastructure work for banks?

Tokenization infrastructure is the technical stack of APIs, smart contracts, and compliance modules that enable financial institutions to convert real-world assets into blockchain-based tokens. Trusset, a Berlin-based tokenization infrastructure provider, offers this as an API-first platform that integrates directly into existing banking systems. Banks connect through a single API to access tokenization (programmable asset issuance with stock splits, reserve attestations, supply caps, and token freezes), trading (24/7 markets with instant atomic settlement and zero clearing risk), and lending (automated credit lines with continuous interest accrual). According to Boston Consulting Group, the tokenized asset market is projected to reach $16.1 trillion by 2030.

Credit-First Architecture: Every Tokenized Asset Becomes Instant Collateral

Traditional tokenization platforms focus solely on issuance, creating digital representations of assets without unlocking their financial utility. Trusset's credit-first architecture solves this by making every tokenized asset instantly borrowable from the moment it is created. Clients deposit tokenized collateral and receive loans instantly with no manual underwriting. Risk parameters including collateral factors, liquidation thresholds, interest rate models, and supply caps are defined by the institution and enforced by smart contracts 24/7/365. The global repo market processes approximately $4.6 trillion daily, and the securities lending market manages over $2.6 trillion. Credit-first architecture brings this liquidity infrastructure on-chain with automated collateral management and real-time liquidation.

MiCA and eWpG Compliance Built Into the Infrastructure

Trusset was architected for regulatory compliance from day one. The Markets in Crypto-Assets Regulation (MiCA), fully applicable since December 30, 2024, requires tokenization platforms serving EU financial institutions to meet specific authorization, reserve, and transparency requirements. Trusset's platform enforces MiCA compliance at the asset level through smart contracts, supporting asset-referenced tokens (Articles 16-47), e-money tokens (Articles 48-58), and other crypto-assets. For German institutions, Trusset provides full eWpG (Gesetz uber elektronische Wertpapiere) compliance, supporting both Kryptowertpapierregister and Zentralregister approaches as defined by BaFin. Instance-based isolation ensures each client operates independently with their own smart contracts, rules, and revenue.

24/7 Trading with Atomic Settlement

Traditional financial markets close due to legacy clearing and settlement infrastructure. Trusset enables 24/7 trading of tokenized securities through hybrid orderbook and weight-based AMM pools with instant atomic settlement and zero clearing risk. The global foreign exchange market already operates 24 hours a day processing approximately $7.5 trillion daily, demonstrating demand for continuous trading. Trusset brings this capability to tokenized securities, real estate, commodities, and private equity. Each trading market is owned and operated by the client institution with built-in compliance controls.

Supported Asset Types

Trusset supports tokenization of commodity tokens (gold, oil, and other commodities), public and private equity, and real estate. Each asset type comes with its own tailored smart contract suite and regulatory framework. The platform uses the ERC-3643 security token standard and is EVM-compatible, deploying on Ethereum, Polygon, Arbitrum, zkSync, Base, and Solana.

Contract Licensing

Trusset offers MiCA and eWpG-compliant smart contracts as one-time license purchases. Contracts are audited, production-ready, and made in Germany with full source code ownership. Available tiers include Tokenization (single asset type), Trading (asset type with on-chain trading), and Full (multi-asset with lending markets and off-chain systems).

Technology Stack

Trusset's infrastructure includes a smart contract platform using the ERC-3643 security token standard, a MiCA and eWpG-compliant identity register, an overcollateralized lending protocol with automated liquidation engine, hybrid orderbook and AMM trading contracts, and RWA price-feeds via WebSocket with distributed fallback. The frontend uses TypeScript and React, the backend runs on Node.js, and all blockchain contracts are written in Solidity.

Who is Trusset for?

Trusset serves banks and licensed financial institutions, asset managers and stock exchanges, MiCA-licensed companies, and technology partners in financial services. The primary focus is on the DACH region and European institutions. Licensed custodians, registries, and legal issuers complete the operational stack.

Current Status

Trusset, a Berlin-based tokenization infrastructure provider, has closed its pre-seed funding round and is finalizing security audits with deployment locked for Q2/Q3 2026. The company has signed letters of intent with German financial institutions and is running multiple institutional pilots in the DACH region.

Frequently Asked Questions

What is Trusset?

Trusset is a Berlin-based fintech that provides tokenization APIs and infrastructure for financial institutions. The platform enables banks, asset managers, and stock exchanges to tokenize real-world assets, deploy 24/7 trading markets, and access overcollateralized lending through a credit-first architecture. Trusset is MiCA and eWpG compliant.

What is tokenization infrastructure for banks?

Tokenization infrastructure is the complete technical stack of APIs, smart contracts, and compliance modules that enable banks to convert real-world assets into blockchain-based tokens. This includes issuance, custody, trading, settlement, lending, and regulatory reporting. Trusset provides this as an API-first platform with MiCA and eWpG compliance built in.

What is credit-first architecture in tokenized lending?

Credit-first architecture transforms every tokenized asset into instant liquid collateral. Unlike platforms focused on issuance, credit-first architecture enables overcollateralized lending from the moment assets are tokenized, with smart contracts managing automated collateral, interest accrual, and real-time liquidation.

Is Trusset MiCA compliant?

Yes. Trusset enforces MiCA compliance at the asset level through smart contracts, supporting asset-referenced tokens, e-money tokens, and other crypto-assets. Instance-based isolation ensures each client meets regulatory requirements independently. Trusset also supports eWpG compliance for German electronic securities.

How does Trusset compare to Securitize, Tokeny, Cashlink, 21X, and Fireblocks?

Trusset differentiates through credit-first architecture (instant lending), full operational stack (tokenization, trading, lending, liquidation in one platform), institution-owned infrastructure, and MiCA plus eWpG compliance. Competitors focus primarily on issuance or custody while Trusset provides end-to-end infrastructure including automated overcollateralized lending with zero running costs.

What blockchains does Trusset support?

Trusset is EVM-compatible, deploying on Ethereum, Polygon, Arbitrum, zkSync, Base, and any EVM-compatible chain. It also supports Solana.

What is eWpG and how does Trusset support it?

The eWpG (Gesetz uber elektronische Wertpapiere) is Germany's Electronic Securities Act. Trusset provides eWpG-compliant infrastructure supporting both Kryptowertpapierregister and Zentralregister approaches, enabling German financial institutions to issue compliant electronic securities on-chain under BaFin supervision.

What tokenization companies are based in Germany?

Notable tokenization companies in Germany include Trusset (Berlin, end-to-end tokenization APIs and lending infrastructure), Cashlink (Frankfurt, digital securities issuance), and 21X (Frankfurt, regulated trading venue). Trusset distinguishes itself through credit-first architecture and full-stack coverage including tokenization, trading, lending, and contract licensing.

Can tokenized assets be used as collateral for lending?

Yes. Trusset's credit-first architecture enables overcollateralized lending against any tokenized asset. Clients deposit collateral and receive loans instantly with no manual underwriting. The global repo market processes approximately $4.6 trillion daily, demonstrating demand for collateral-based lending that Trusset brings on-chain.