Platform · Tokenisation & Settlement
Real assets, issued as tokens. Ready for your platform to offer.
The problem we solve
Digital asset platforms have built deep liquidity and loyal clients, but their shelf stops at crypto. Listing equities, ETFs or bonds has meant licensing, custody and settlement arrangements most platforms cannot justify building. Meanwhile, traditional settlement still runs on batch cycles, in market hours, with reconciliation at every hop.
Nexfolio issues the tokens and runs the custody and settlement underneath. Platforms list the tokens; their clients buy and sell them.
What platforms get
A shelf beyond crypto
Tokenised Australian and US equities, ETFs, unit trusts and bonds.
Transfers between verified wallets
Tokens can be transferred between verified wallets, subject to the token's compliance rules.
Settlement recorded on-chain
The token and the payment move together at the time of the trade, and the on-chain record is the record, so there is no separate confirmation to reconcile.
Corporate actions handled
Dividends, splits and voluntary and elective events pass through to holders.
Integration by API
400+ API endpoints and a partner console for issuance, registry, trades and reconciliation.
Direct Ownership
When a client acquires a Nexfolio token, they are acquiring a direct, individual claim on a specific underlying asset (an ETF unit, a unit trust holding, a bond or an equity) held with an institutional custodian on their behalf.
The 1:1 backing between token and underlying asset is not self-reported by Nexfolio. It is designed to be verified continuously by an independent on-chain oracle. Every token in circulation is intended to correspond to an identified, held asset in custody. This is the 1:1 backing requirement under the incoming Digital Assets Framework established by the Corporations Amendment (Digital Assets Framework) Act 2026, once commenced.
ERC-3643
Compliance enforced at the contract level
ERC-3643 is the international standard for regulated security tokens, also known as T-REX. What it does is embed compliance into the token itself. Every wallet that holds or receives a Nexfolio token must have passed KYC and AML verification. The contract checks this on every transfer. A non-verified wallet cannot receive a token, regardless of instruction, whether from an adviser, a platform or anyone else.
This means compliance is not a process running alongside the token. It is the token: compliance is enforced by the token contract on every transfer. The transfer either executes, because both wallets are verified, or it does not.
Issuer Key Security
No single point of control
Nexfolio's token minting and redemption functions are designed to be protected by a 2-of-3 threshold signing arrangement. The keys that authorise the creation and cancellation of tokens are designed to be split across three independent signers, so no single person or system can issue or burn tokens unilaterally. Every minting and redemption operation is designed to require independent co-authorisation, creating a tamper-evident audit trail of every token lifecycle event.
Proof of Reserve
Independently attested 1:1 backing
Proof of Reserve is the mechanism designed to keep the 1:1 backing honest. An independent oracle is designed to monitor Nexfolio's custody holdings and publish an on-chain attestation that every token in circulation is matched by a held asset with an institutional custodian, rather than a periodic report issued by Nexfolio.
The intended result is that the backing of any Nexfolio token can be independently verified by any party (a platform, a regulator or an auditor) without asking Nexfolio anything. Demonstrations are currently conducted in testnet environments.
Lost token. Asset protected.
With unregulated crypto tokens, a lost wallet means a lost asset, permanently and with no recourse. Nexfolio tokens work differently. Because every token is issued to a verified, identity-linked wallet, Nexfolio always knows who the beneficial owner of each token is. If a client's wallet is lost or compromised, the token can be cancelled and reissued into a new verified wallet. The underlying asset, held with an institutional custodian, is unaffected. This is a direct consequence of the ERC-3643 compliance architecture, not a workaround on top of it.
Built for the regime ASIC has now described
ASIC's Consultation Paper 392 sets out how tokenised custody platforms will be regulated: same activity, same risk, same regulatory outcome, with custody standards drawn from traditional custody. Nexfolio's architecture was derived from the draft legislation in 2025 on exactly that model.
Regulatory Framework
Nexfolio is being designed and built to align with the standards of a Tokenised Custody Platform (TCP) under the Corporations Amendment (Digital Assets Framework) Act 2026, once commenced. The three statutory requirements that define a TCP (factual control of the digital token (s761GB), 1:1 asset backing (s761GD), and express accountability for custodian agent actions (s761GE)) are being implemented in software and demonstrated on testnet.
Nexfolio lodged its AFSL application in September 2026, seeking five authorisations, all limited to wholesale clients: dealing by issuing, dealing on behalf of others, making a market, general financial product advice, and custodial or depository services. Launch follows grant, and the timing of a decision rests with ASIC. A Tokenised Custody Platform authorisation will be sought by licence variation once the Digital Assets Framework commences on 9 April 2027. Nexfolio is not yet licensed.
Full regulatory detail →Blueprint
Tokenisation & Settlement Methodology Brief
Want to understand the technical and regulatory architecture in detail? Download the Nexfolio Tokenisation & Settlement Methodology Brief: a technical overview of the TCP framework, ERC-3643 implementation, and Proof of Reserve architecture.
Request the Methodology Brief →