NEWRL RWA

Start by turning what you already own into usable collateral. Connect a Polygon-compatible wallet, choose the asset type (stored crop or a buyer-acknowledged invoice), and upload the supporting documents. The files are encrypted and pinned to IPFS, then a fungible token is minted on Polygon to represent the asset in precise units. For a commodity, that typically maps to a warehouse receipt; for an invoice, it maps to the payable amount confirmed by the buyer. Once minted, the tokens land in your wallet and become the basis for financing without moving the underlying asset or chasing paper.

Next, pledge those tokens for credit. Open the lending screen, lock a selected amount as collateral, and pick your funding rail. On-chain, lenders provide stablecoins that the smart contract releases to you against your posted collateral. With fiat rails, an intermediary wraps fiat into an on-chain representation so the contract can disburse funds in stablecoin; you can off-ramp to a bank account through a connected provider. To close the loop, repay principal and interest; the smart contract returns your collateral tokens. If the collateral is a commodity, you can instruct the warehouse to release the goods, and the corresponding token is retired. If repayment fails, the collateral token is reassigned to the lender.

If you are a lender, define your mandate by selecting eligible asset classes (commodities or invoices), desired tenor, and limits. Review collateral details and on-chain proofs tied to the encrypted records, and then fund loans directly from your wallet or via the fiat-wrapping flow. The smart contract handles disbursement and custody, while you monitor exposures, repayments, and performance. In the event of borrower default, you receive the collateral token and can liquidate through the associated off-chain process, maintaining clear recourse to a real-world asset. This creates predictable risk, programmatic enforcement, and fast deployment cycles.

Operational teams can scale repeatable workflows across shipments and receivables. Tokenize each batch or invoice as it’s stored or signed, keep all evidence tamper-resistant via IPFS, and standardize borrowing requests with preset collateral amounts and repayment dates. Newrl has already supported the tokenization of over $3.8B in real-world value and targets $800M in total value locked on the lending platform. Day to day, that means faster working capital for producers and suppliers, and more reliable, data-backed collateral for capital providers, all governed by transparent smart contracts and seamless on/off-ramp connectivity.