Learn About Real World Assets
Stocks, bonds, and gold - tokenized and accessible to everyone. Here's everything you need to know.
What Are Tokenized Real World Assets?
Real world assets (RWA) are traditional financial instruments - stocks, bonds, commodities - represented as tokens on a blockchain. Each token is backed 1:1 by the real underlying asset, issued by regulated companies.
This means you can own a fraction of the S&P 500, earn yield from US Treasuries, or hold physical gold - all from your crypto wallet. No brokerage account needed, no minimums, no geographic restrictions.
The assets are issued and custodied by established financial institutions. Riptide makes them accessible through a simple, beautiful interface.
The Three-Fund Wave Assets
S&P 500
SPYx is a tokenized representation of the S&P 500 index, providing exposure to the 500 largest US companies in a single token. Issued by Backed Finance (acquired by Kraken), SPYx tracks the index with 1:1 backing by regulated securities.
US Treasuries
USDY is a tokenized note backed by short-term US Treasury securities, issued by Ondo Finance. It provides real yield from the safest fixed-income instruments in the world, with over $690M in total value locked.
Physical Gold
Tether Gold (XAUt) is backed 1:1 by physical gold bars held in Swiss vaults. Each token represents one troy ounce of London Good Delivery gold. The gold is fully auditable and redeemable for physical delivery.
Tokenized Stocks & Assets
Don't want a fund? Pick your own. Riptide gives you access to 16 individual tokenized assets - from blue-chip tech giants to pre-IPO unicorns you can't get anywhere else.
How Tokenized Stocks Work
Each tokenized stock represents a real share of the underlying company, held by a regulated custodian. When you buy a tokenized Tesla share, there's a real TSLA share backing it.
You get fractional ownership - buy $5 of NVIDIA instead of needing $130+ for a full share. Trade 24/7, not just during market hours. And hold it in your own wallet, not a brokerage account.
Big Tech & Blue Chips
The companies shaping the world. Own pieces of the biggest names in tech, finance, and consumer markets.
Pre-IPO & Exclusive
Access companies before they go public. Opportunities that were previously reserved for accredited investors and VCs.
Crypto & Finance
The companies building the onchain economy. Get exposure to crypto infrastructure without holding volatile tokens.
The Three-Fund Wave, Explained
Inspired by Jack Bogle and the Bogleheads® community, the three-fund strategy is the simplest path to a diversified portfolio. Stocks for growth, bonds for stability, gold for protection.
Pick Your Vibe
Choose a risk preset - Chill (conservative), Balanced (classic), or Ride the Wave (growth). Or set your own custom allocation.
Deposit & Allocate
Deposit USDC and your funds are automatically split across stocks (SPYx), bonds (USDY), and gold (XAUt) based on your chosen allocation.
Auto-Rebalance
As markets move, your allocation drifts. Riptide automatically rebalances to keep you on target. Set it, forget it, ride the wave.
Why Onchain?
Traditional brokerages work. But onchain is better.
No Minimums
Start with as little as $1. Fractional ownership means everyone gets access.
Global Access
No geography restrictions. If you have a wallet, you have a brokerage.
Always Open
Trade 24/7. No market hours, no weekends, no holidays.
Your Wallet, Your Tokens
Hold your tokenized assets in your own Sui wallet. Underlying assets secured in auditable smart contracts.
Transparent
Every token is backed 1:1 by real assets. Verify onchain anytime.
Low Fees
No annual management fees. Just 0.5% on trades.
Safety & Transparency
Every asset on Riptide is issued by regulated, licensed financial institutions. SPYx is issued by Backed Finance, USDY by Ondo Finance, and XAUt by Tether Gold.
All tokens are backed 1:1 by their underlying assets. This backing is verifiable onchain at any time. No fractional reserves, no rehypothecation.
Your tokenized assets on Sui are held in your own wallet. Underlying assets are custodied in secure, auditable smart contracts on Solana.