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Real-World Asset Tokenization Infrastructure
Tokenize balance-sheet assets with compliance embedded at the protocol layer
Banks and asset managers use PazaLabs to bring mortgage pools, hard assets and receivables on-chain via SPV/Trust structures, with ERC-3643 permissioned tokens and AI-driven due diligence from day one.
Compliance credentials
3 asset classes SEC & ESMA-aligned ERC-3643 tokens SPV / Trust wrappers AI due diligence
CeDeFi Architecture: Asset Flow Live
Permissioned Chain: Compliance Layer
Asset
Origination
SPV / Trust
Legal Wrapper
ERC-3643
Token Issuance
Cross-chain audit bridge
Public Chain: Liquidity Layer
Paza
Pools
Secondary
Trading
PAZA
Governance
GenAI-RAG Engine
Document validation · KYC/AML checks · Real-time risk monitoring
Ecosystem Partners & Integrations
The Challenge
The compliance gap that blocks institutional adoption
Financial institutions hold trillions in illiquid balance-sheet assets. On-chain liquidity exists, but the path there is blocked by fragmented compliance, legal risk and infrastructure built for DeFi-native users rather than institutional mandates.
01 The Problem
Compliance retrofitted, not embedded
Existing DeFi protocols add compliance as an afterthought: a legal wrapper bolted on after the architecture is set. Institutions cannot accept that risk.
Fragmented asset-class coverage
Mortgage pools, hard assets and receivables each require specialized legal, financial and technical structures. No single platform addresses all three.
Unproven due diligence at scale
Manual document review cannot keep pace with institutional asset volumes. Errors in diligence create downstream legal and performance risk.
No regulated secondary liquidity
Tokenized assets with no compliant trading venue are illiquid tokens, not liquid instruments. The promise of on-chain markets goes unrealized.
02 The PazaLabs Solution
Compliance at the protocol layer
ERC-3643 permissioned tokens embed KYC/AML and regulatory rules into every transaction, built into the smart contract logic rather than applied after the fact.
Full-spectrum asset coverage
One platform handles mortgage-backed pools, hard asset tokenization and evergreen receivables, each with dedicated Trust/SPV structures and cash-flow waterfall mechanics.
GenAI-RAG due diligence engine
Automated document validation, compliance checking and real-time risk monitoring replace error-prone manual review at institutional speed and scale.
Regulated on-chain secondary markets
The hybrid CeDeFi model enables compliant secondary trading via Paza Pools, giving investors real liquidity while maintaining full regulatory alignment.
Asset Classes
Three structural approaches to on-chain real-world assets
Each asset class is built on purpose-designed legal structures and tokenization mechanics that meet institutional mandates, not retrofitted from DeFi primitives.
Origination SPV / Trust ERC-3643 Paza Pools
$300M
US Mortgages Tokenized
$12T+
MBS Market Potential
21.7%
YoY MBS Growth
Applicability
Suitable for mortgage originators and aggregators to unlock balance-sheet liquidity and attract institutional and crypto-native investors.
Process
Pools of secured, medium- to long-term loans are converted into tokenized instruments. A Trust/SPV acquires mortgage pools and issues tokens backed by cash flows.
Investor Benefits
Transparent monitoring, enhanced liquidity, and risk-tiered exposure across senior and junior tranches.
Origination Custodial Trust ERC-3643 Paza Pools
Custody model
Custodial Trust
Ownership
Fractional on-chain
Yield type
Income rights (on-chain)
Distribution
Cross-border eligible
Origination Evergreen Pool ERC-3643 Paza Pools
Pool type
Evergreen / revolving
Asset types
Auto · BNPL · Invoice · MSME
Management
Dynamic replenishment
Transparency
Real-time on-chain data
01
Mortgage-Backed
Mortgage-Backed Loan Pools
Mortgage pool originators gain balance-sheet liquidity without relinquishing operational control. Assets are wrapped in a Trust or SPV that issues senior and junior tranche tokens, each carrying enforceable cash-flow rights aligned to a published waterfall model. Senior tranches absorb losses last; the subordination structure is embedded in the token contract, not left to off-chain documentation.
Legal structure
SPV / Trust
Tranche model
Senior / Junior waterfall
Token standard
ERC-3643
Compliance
SEC Rule 144A / Reg D
02
Hard Assets
Hard Asset Tokenization
Real Estate 
Vessels 
Equipment Real estate, vessels and industrial equipment are custody-held by a Trust structure. Investors receive fractional ownership tokens with on-chain income rights: enforceable pro-rata claims against the asset's rental, charter or operating income stream. Cross-border distribution is managed through embedded KYC/AML eligibility checks that travel with the token at every transfer.
Custody model
Custodial Trust
Ownership
Fractional on-chain
Yield type
Income rights (on-chain)
Distribution
Cross-border eligible
03
Receivables
Evergreen Short-Term Pools
Invoices Yield 
Returns Auto loans, BNPL receivables, invoices and MSME financing are pooled into continuously replenished on-chain structures. As individual assets mature, new eligible receivables are dynamically added, maintaining target duration, yield profile and diversification without requiring investors to roll positions manually. Risk parameters and pool composition are published on-chain in real time.
Pool type
Evergreen / revolving
Asset types
Auto · BNPL · Invoice · MSME
Management
Dynamic replenishment
Transparency
Real-time on-chain data
Platform Architecture
CeDeFi: permissioned compliance, public-chain liquidity
Regulated operations run on a permissioned chain where every transaction is identifiable, logged and auditable. Public-chain DeFi provides the liquidity depth that institutions need, connected by a cross-chain audit bridge that preserves the compliance record at both layers.
How a real-world asset reaches the chain
Asset Onboarding
→ AI Due Diligence
→ Tokenization
→ On-Chain Liquidity
01: Asset Onboarding
Legal wrapper: Trust or SPV
Legal title, obligations and cash-flow rights are established via a Trust or SPV, custodied and linked to the token issuance contract before tokenization begins.
02: AI Due Diligence & Compliance
AI-driven due diligence
The GenAI-RAG engine ingests origination documents, runs KYC/AML checks and embeds ERC-3643 compliance rules into the token contract. No token is issued before due diligence clears.
03: Tokenization
Token issuance and tranche structure
Assets are divided into permissioned ERC-3643 tokens: senior/junior tranches for debt pools or fractional ownership tokens for hard assets. Cash-flow waterfall mechanics are encoded on-chain.
04: On-Chain Liquidity
On-chain liquidity via Paza Pools
Tokens are distributed to verified investors and listed on Paza Pools for compliant secondary trading. Regulatory alignment persists at every transfer through embedded token-level eligibility checks.
CeDeFi Architecture
Permissioned chain. Public liquidity. One audit trail.
Compliance-sensitive operations (KYC, transfer restrictions, investor eligibility) execute on the permissioned layer. DeFi liquidity and secondary trading happen on the public chain. A cross-chain audit bridge preserves the full compliance record across both layers.
Permissioned chain (compliance)
Public chain (DeFi liquidity)
Cross-chain audit trail
Multi-sig institutional custody
GenAI-RAG Engine
Due diligence that scales with issuance volume
Origination documents, prospectuses and legal agreements are ingested and cross-referenced in real time. The engine flags inconsistencies, validates investor eligibility and writes the compliance record to chain, replacing a process that typically takes weeks with one that completes before token issuance.
Document ingestion and structured validation
Automated KYC/AML checks against origination docs
Real-time risk scoring and pool composition monitoring
Why PazaLabs
Compliance designed in, not bolted on after the fact
ERC-3643 at the protocol layer
Permissioned token rules (KYC/AML checks, transfer restrictions, investor eligibility) are embedded in the smart contract, not applied externally. Every transfer enforces compliance without a separate off-chain gate.
Trust and SPV legal wrappers for every asset class
Each asset is securitized through purpose-built legal structures designed to satisfy SEC Rule 144A, Regulation D, ESMA DLT Pilot and equivalent cross-border frameworks, before tokenization begins.
Transparent tranche waterfall mechanics
Senior and junior tranches have their cash-flow priority, subordination levels and default-protection rules published on-chain. There is no ambiguity about who gets paid first or why.
Genuine secondary liquidity via Paza Pools
Paza Pools provide compliant secondary markets for tokenized assets, for verified holders only. The difference between a digitized IOU and a liquid instrument is the secondary market.
Cross-border eligibility embedded in every transfer
Jurisdiction-specific investor eligibility checks travel with the token. Cross-border distribution does not require separate documentation workflows for each transfer event.
AI due diligence that replaces weeks of manual review
The GenAI-RAG engine processes origination documents, flags inconsistencies and writes the compliance record to chain before issuance, compressing a process that typically takes weeks into hours.
Asset classes
3
Mortgage · Hard asset · Receivables
Token standard
ERC-3643
Permissioned compliance
Regulatory alignment
SEC ESMA Rule 144A Reg D DLT Pilot
Cross-border frameworks, embedded at issuance
ComplianceEmbedded
End-to-EndAutomation
InstitutionalReturns
"Bringing the capital efficiency of DeFi to institutional balance sheets, without asking institutions to compromise on compliance, custody or legal certainty."
PazaLabs: Institutional RWA Infrastructure
Business Overview
Why Institutions Choose PazaLabs
Built on six pillars: institutional trust, deep capital markets expertise, end-to-end automation, diverse asset coverage, transparent governance, and meaningful token rewards.
Experienced Team
Led by highly experienced founders and team members from Capital Markets and Technology.
End-to-End Solutions
Integrated CeDeFAi solution leveraging GenAI-enabled permissioned and permissionless platforms.
Diverse Asset Classes
Tokenization of diverse asset classes: soft assets like loans, hard assets such as real estate, and evergreen bonds.
Governance
PAZA Tokens as the future of platform governance — giving holders a real voice in protocol decisions.
Rewards
PAZA Tokens as utility and reward tokens — aligned incentives for investors, issuers, and ecosystem participants.
The Team
Leadership & Advisors
Built by practitioners who have operated inside financial institutions, built DeFi protocols at scale, and advised global markets strategy.
Alok K Sinha
Founder & Chief Ecosystem Officer
Architect of PazaLabs' CeDeFi vision; two decades bridging TradFi institutions and blockchain infrastructure
Sujay Kanth
Founder & Joint Ecosystem Officer
Co-architect of PazaLabs' compliance-first RWA framework; deep expertise in regulated asset tokenization
Gopal Anandan
Chief Ecosystem Growth Officer
Leads institutional partnerships and go-to-market across Asia, Europe, and the Americas
Shailendra Damodare
CTO & Head of Engineering, Products, Platforms & Solutions (Global)
Leads end-to-end platform architecture, smart contract engineering, and global product delivery
Anil Nair
CMO & Head of Partnerships
Drives institutional marketing, strategic alliances, and ecosystem channel development globally
Sameep Singhania
Co-founder of QuickSwap; Founder & Director, Ginete Technologies
DeFi protocol architect; creator of QuickSwap, one of Polygon's leading DEXs
Advisory Board
Christian Sarkar
Strategic Advisor — Marketing & Ecosystem
Founder of Double Loop Marketing; co-founder (with Philip Kotler) and editor of The Marketing Journal
Rajendra Srivastava
Strategic Advisor — Business Strategy & Innovation
Former Dean of ISB; Novartis Professor of Marketing Strategy & Innovation
Simone Cicero
Strategic Advisor — Platform Strategy
Creator of the Platform Design Toolkit; CEO at Boundaryless
Get Started
Ready to bring your balance-sheet assets on-chain?
Book a demo with the PazaLabs team. We will walk you through the compliance framework, explain which asset class fits your portfolio and show you exactly how the SPV/Trust structure and token issuance works in practice.
Institutional engagements only. No commitment required for the initial conversation.
Institutions & Issuers
Tokenize your portfolio assets
Bring mortgage pools, hard assets or receivables on-chain with a complete compliance and legal structure in place: SPV/Trust wrapper, tranche mechanics and ERC-3643 token issuance.
Investors
Access compliant RWA yield
Invest in fractional, regulated instruments across mortgage-backed pools, real estate and diversified short-term receivables. Transparent waterfall mechanics and real-time on-chain pool data.
Partners & Integrators
Build on the infrastructure layer
Strategic technology partnerships, protocol integrations, and design partner opportunities at the institutional RWA infrastructure layer. Early partners shape how the protocol evolves.