JamesPolk.net

Centrifuge for Tokenization of RWA Securities

Ownership and Structure

Centrifuge

  • Founded: 2017
  • Headquarters: Zug, Switzerland (offices in San Francisco, Berlin)
  • Founders: Maex Ament, Philip Stehlik, Martin Quensel
  • Investors: Coinbase Ventures, ParaFi Capital, Greenfield

Circle

  • Founded: 2013
  • Headquarters: New York City
  • Founders: Jeremy Allaire, Sean Neville
  • Investors: Coinbase, Fidelity, BlackRock, General Catalyst

Tokenization of Real-World Assets (RWAs)

Centrifuge

Enables businesses to tokenize RWAs (invoices, real estate, etc.) into NFTs via the Tinlake platform. These NFTs serve as collateral in DeFi lending pools, bringing liquidity to traditionally illiquid assets.

Circle

Circle issues USDC, a stablecoin that facilitates digital transactions and is used as a medium of exchange in platforms like Centrifuge.

Digital Transfer of Ownership

Centrifuge

Tokenized NFTs allow for digital ownership, trading, and integration into DeFi. Provides transparent and traceable transactions.

Circle

USDC is used for purchasing tokenized assets and providing liquidity in DeFi markets.

Interoperability and Collaboration

Centrifuge creates tokenized assets; Circle’s USDC facilitates transactions involving those assets. Together, they enhance DeFi efficiency and connect traditional and decentralized finance.

Regulatory Integration Example

Our system will enable:

  • Vaulting Bitcoin in multisig wallets
  • Borrowing USDC against BTC collateral
  • Purchasing NFTs representing securities (e.g., Reg D shares)
  • Requiring accredited or sophisticated investor verification before transfer
  • Approval workflows managed off-chain (e.g., using Holochain)

Compliance Enhancement

Using Holochain and Holo.host for off-chain KYC/AML vetting allows compliance without public data leakage, aligning with Reg D 506(b) limitations. Chainalysis and Centrifuge-native tools ensure regulatory robustness.

Conclusion

Centrifuge + Circle offer a powerful pair for tokenizing and transacting real-world assets. By layering legal compliance, privacy tech, and decentralized infrastructure, we create a future-proof model for regulated digital securities.