1.0 2026-07-08 https://onchained.io https://onchained.io/llms.txt https://onchained.io/llms-full.txt https://onchained.io/agents.json https://onchained.io/agents.xml https://onchained.io https://onchained.io/#evaluate On.Chained On.Chained Ltd RWA lending infrastructure Execution infrastructure for real-world credit. Enforcement-first RWA lending with audited real-world collateral and legal recovery instead of price-oracle liquidations. Kowloon, Hong Kong hello@onchained.io https://www.linkedin.com/company/onchainedio/ On.Chained RWA Lending Infrastructure Asset-backed lending infrastructure for audited real-world collateral. Borrow against bullion, art, inventory, and commodities with risk isolated per loan. Borrower submits an audited asset. Verify custody, value, insurance, and enforceability. Create a digital collateral record. Issue a loan at a conservative LTV ratio. Structured work-out and legal enforcement against collateral; no price-oracle liquidations. Conservative advance ratio set against verified collateral value, adjusted for liquidity, custody, insurance, and enforcement risk. Vaulted bullion (gold, silver, platinum) Copper cathodes and concentrate Certified inventory Fine art and collectibles Forward-production structures Native crypto tokens Purely synthetic assets Risk is isolated per loan; one default does not cascade. true false Originated Active At-Risk Defaulted Enforcement Resolved Senior-secured lending under the On.Chained brand. Infrastructure licensed to tokenisation platforms, stablecoin issuers, exchanges, and custodians. Long-term licensing to insurance, banking, and capital-markets institutions. Marcel Madarevic Chief Executive Officer Co-founder and architect of the On.Chained model. Ayoub El Moutanabbih Chief Technology Officer Leads the execution engine, state machines, and integration layer. Michael Perschke Advisor · Real-World Assets & Capital Markets Two decades in senior management across finance, commodities, and technology. Sanjay Sharma Advisor · Arts & Collectibles Guides On.Chained's extension into fine art and collectibles as institutional collateral. What is asset tokenized lending? Asset tokenized lending is private credit where a real-world asset is documented, audited, and represented as a digital record before being used as collateral. How does RWA lending work? Real-world asset lending works in four steps: propose an audited asset, review documentation and custody, tokenize the collateral record, and issue a loan at a conservative LTV. Can I get a loan against tokenized assets without selling them? Yes. Borrowers retain ownership and receive working capital against the asset. What is the difference between RWA lending and DeFi lending? DeFi lending relies on on-chain price oracles and automated liquidation. RWA lending relies on audited documentation and legal enforcement. Is RWA lending regulated? RWA lending intersects securities, credit, and digital-asset regulation. Specific treatment depends on jurisdiction, asset class, and participation structure. Not an offer of securities or a solicitation to lend or borrow. All facilities are subject to definitive documentation, independent collateral review, and underwriting criteria. Regulatory treatment depends on jurisdiction, asset class, and participation structure.