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Offchain Economies. Onchain Accessibility.
Last Update: 22 May 2026
LEGAL NOTICE
This document is provided for informational purposes only. It does not constitute an offer to sell or a solicitation to buy any security, token, or financial instrument. Nothing in this document should be relied upon as legal, financial, tax, or investment advice. Frct Technologies makes no representations or warranties as to the accuracy or completeness of the information contained herein. The protocols, structures, and mechanisms described are subject to change. Prospective investors should conduct their own due diligence and consult qualified advisors.
For all inquiries: [email protected]
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Onchain capital markets face a structural yield problem. Over $300 billion in stablecoins and a growing base of onchain liquidity seek returns that are stable, sustainable, and uncorrelated with crypto market cycles, returns that the endogenous yield mechanisms of DeFi cannot reliably provide. At the same time, the most productive real-world asset classes, commercial vessels, private credit facilities, infrastructure projects, etc. remain inaccessible to most investors due to high capital requirements, operational complexity, and the absence of any secondary market.
Fractalized is a real-world asset capital markets infrastructure platform designed to resolve this structural disconnect. The platform originates, diligences, legally structures, and tokenizes prime cash-flow-generating assets, issuing compliant, yield-bearing ERC-20 tokens that represent fractional income rights in Special Purpose Vehicles holding those assets. Monthly/quarterly net operating income is distributed programmatically in USD-pegged stablecoins to all verified token holders. A proprietary KYC-gated liquidity pool architecture provides secondary market access without requiring a direct buyer counterparty.
This whitepaper describes the full mechanism: the asset admission framework that determines which assets qualify; the legal architecture connecting offchain asset operations to onchain token rights; the token design and smart contract system governing issuance, distribution, and secondary trading; the liquidity architecture; and the risk framework investors should understand before participating.
The protocol is operational. The first tokenized asset, MT Tulip, a 15,000 DWT chemical tanker operating under time charter in the Port Louis area, has completed six consecutive monthly income distributions, delivering a verified 17.38% annualised yield based on actual operating performance.
<aside> <img src="/icons/reorder_gray.svg" alt="/icons/reorder_gray.svg" width="40px" /> Table of Contents
Asset Selection & Admission Framework
Legal & Structural Architecture
Protocol Design & Token Architecture
The Liquidity Problem in RWA, and Fractalized’s Solution
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