Tokenized gold lets investors convert vaulted bullion into onchain tokens for use in DeFi and IRAs, enabling yield generation while preserving one-to-one backing of physical metal—opening a new channel for institutional and retirement capital to access gold safely.
Tokenized gold enables one-to-one digital representation of physical bullion for DeFi yield and IRA use.
DeFi lending activity and real-world asset tokenization are driving institutional inflows into crypto markets.
Gold climbed ~35% YTD to record highs above $3,600/oz; tokenized products and stablecoins now underpin growing RWA markets.
tokenized gold surges as IRAs and DeFi expand — learn how vaulted gold goes onchain, market data, institutional trends and next steps.
How can US IRAs access tokenized gold?
Tokenized gold allows US self-directed IRAs to represent vaulted bullion onchain via one-to-one tokens, preserving tax-deferred status while enabling use in DeFi protocols. SmartGold’s partnership with Chintai Nexus tokenizes IRA-held bullion so holders can deploy tokens into lending markets for yield.
What is the process for IRA tokenization?
Custodians vault physical gold and issue corresponding blockchain tokens on a one-to-one basis. Investors opt in to convert their IRA-held bullion into a digital token, which remains backed by the same physical asset and retains the IRA’s tax treatment.
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DeFi lending is rising as stablecoin liquidity and tokenized real-world assets (RWAs) attract institutional capital. Increased issuance of tokenized private credit, US Treasuries and tokenized commodities is expanding usable collateral and yield opportunities on-chain.
Industry data indicates total value locked in DeFi lending protocols climbed materially this year, and RWA markets expanded to nearly $28 billion, led by tokenized credit and Treasury products. Gold-backed tokens and large stablecoins are notable contributors to network activity.
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