The best consumer real-world assets aren’t built yet.
We build them.

Brands come to us with gold in a vault, wine in a cellar, or prime real estate. We turn them into tokenized products their customers can access, from concept and legal structure to launch and operation.

See where we stand
Based & developed in Switzerland

Isn’t this just crypto hype?

Florian Ehrbar

Some of it is. But what the token represents is real: a gold bar in a vault, a bottle of wine in a cellar, a building with tenants. This kind of ownership is where consumers are headed, and institutions are already using it. Some assets are ready today; others are not. We’ll tell you plainly where yours stands.

$19.3Bof real-world assets already tokenized
CoinGecko RWA Report, Q1 2026
Already running assets this way
BlackRockTokenized funds
Franklin TempletonOn-chain money market fund
Consumer gold appsMillions of everyday savers

Doesn’t putting it on-chain make it liquid overnight?

Tobias Schneider

No, and anyone who tells you otherwise is selling you something. If your asset was hard to sell before, it will still be hard to sell as a token. Liquidity comes from buyers who want the asset, not the technology wrapped around it. Before we build anything, we’ll tell you honestly whether that demand exists.

What we tell you once we’ve looked at the demand
Build it

People already want the asset. We make it easier to buy, own, and manage.

Not yet

The asset makes sense, but the audience is not there yet. We’ll tell you what needs to change.

Don’t

Demand was not there before. A token will not create buyers, and we will not pretend otherwise.

Do my customers need to understand crypto?

Pedro Barrera

No. We put the blockchain completely in the background. Your customers see your brand, sign in with their email, and check their balance. If they can use a browser, they can own the asset.

A branded savings app built by OnchainLabs
A live program we built. The customer sees a balance, not a blockchain.
What your customer never sees
×Wallet address
×Seed phrase
×Browser extension
×Gas fees
×The word “blockchain”

Isn’t it a legal grey zone?

Florian Ehrbar

Not in established jurisdictions. Switzerland’s DLT Act wrote tokenized assets into law, and many countries are adopting similar frameworks. Regulation isn’t a grey zone anymore. The risk is working with someone who doesn’t understand those frameworks. We built our solution with legal frameworks at its core.

Swiss DLT ActTokenized assets are recognized in law here.

Not left in a grey zone, but defined by statute, with clear rights attached.

01
The ledger entry is the securityNot a receipt pointing at one held somewhere else.
02
Holdings survive a custodian failureCustomer assets sit outside the insolvency estate.
03
One structure, not a patchwork of vendorsEntity, custody and regulatory path built together.

Do my customers really own it?

Structuring team

This is the most important question everyone must ask when investing in an RWA token. The answer comes down entirely to how the token is built, and most of the industry stays vague about it. When you tokenize with us, the token represents a real claim. We are transparent about what the claim represents and what the investor really owns. When built properly, the investor owns the asset no matter if the issuer or the platform disappears.

Allocated gold held in a vault
Real metal, in a real vault.Allocated to your customer — not a promise sitting on someone’s balance sheet.

Didn’t this already flop at Nike?

Tobias Schneider

Nike’s NFT project was a different model: digital collectibles driven by scarcity and resale. When demand faded, their value followed. We build around real assets people already value and want to own. Gold savings platforms have already attracted millions of everyday customers. That’s the kind we build. The other kind, we’ll talk you out of.

The kind that collapsed

  • An NFT with nothing behind it
  • Bought to flip, not to keep
  • Priced on hype
  • The tech pushed to the front

The kind we build

  • A real asset in a real vault
  • Bought to own and build over time
  • Priced on the underlying asset
  • The technology stays in the background

That’s where most people get tokenizing a real asset wrong. Here’s how we do it instead.

We take it from the first question to a product that keeps running.

Minting a token is the easy part. Turning a real asset into a product people can buy, own, and keep using is where most projects fall short. We take responsibility for the whole journey, from first concept to daily operation.

01
Ideation & feasibility
We pressure-test what the asset could become, and whether it’s worth doing at all, before a line of code exists.
02
Concept & product
We define the ownership model, the app your customers use, and the economics that make the product viable.
03
Legal & structure
We establish the asset’s legal home, holding entity, custody model, and regulatory path through a structure grounded in Swiss law, with each part handled by the right specialist.
04
Build
We build the token, contracts, wallet, and plumbing that connects everything back to the real asset.
05
Launch
We bring it to market with a sign-up flow that customers of any technical level can follow from start to finish.
06
Operate Engage
We run the program day after day through our own platform, Engage.

What we’ve built.

Each one started with a brand asking what its asset could become.

And we’ll be straight with you: this market is still early and uneven. We build the use cases that are ready now, and we are honest about the ones that aren’t there yet.

You work with the people who do the work.

We’re a small, senior team split between Zug and Sanlúcar. The person who picks up on the first call is the same one building your program. No hand-off to a team you never meet.

Who we are, and what we believe
Florian Ehrbar
Florian Ehrbar
Chief Executive Officer
Tobias Schneider
Tobias Schneider
Chief Product Officer
Pedro Barrera
Pedro Barrera
CTO / Blockchain Lead
Melih Ergundogdu
Melih Ergundogdu
Product Manager
Zug, Switzerland · Dammstrasse 16, 6300 Zug
Sanlúcar, Spain · second home base

Articles

Notes from the people building consumer real-world assets.

All articles

From Tokenization to a Scalable Product

Creating a token is the easy part. The real work begins when that token must represent something clearly, operate within the right legal framework, connect to existing business infrastructure, and deliver an experience people can trust and use. That is where OnchainLabs comes in. We help companies turn gold, commodities, collectibles, property, and other real-world assets into complete digital retail products. From the first feasibility questions to launch and long-term growth, we bring together product strategy, blockchain infrastructure, regulatory requirements, and customer experience. We start with the asset, not the technology Every successful tokenization project begins with something real. It could be a gold bar held in an insured vault, a bottle of wine stored in a cellar, a building generating rental income, or a collectible with verified provenance. Before deciding how to tokenize it, we first determine what the token will represent and what owning it will mean. We examine the fundamentals: - What does the customer actually own? - How is the underlying asset held, managed, and verified? - Which rights are attached to the token? - How can customers buy, hold, transfer, or redeem it? - Which legal and regulatory framework applies? - Can the model operate reliably at scale? Some assets are ready for tokenization today. Others need a stronger legal, operational, or commercial structure first. We tell our clients plainly where their project stands and what must happen next. This early evaluation protects companies from investing in technology before the foundations of the product are ready. We turn the ownership model into a product Once the fundamentals are clear, we translate them into a product people can understand and use. That means designing the complete journey around the token: onboarding, wallet creation, payment, issuance, ownership, transfers, reporting, redemption, and ongoing customer support. The blockchain remains an essential part of the infrastructure, but it should not become a barrier for the customer. People should be able to access a tokenized asset through a clear and familiar experience, without needing to understand wallets, gas fees, private keys, or transaction mechanics. Our job is to make the technology work quietly in the background while the value of the product stays visible in the foreground. We connect the token to the business behind it A token cannot operate in isolation. It must connect to the systems and processes that already keep the underlying business running. Depending on the project, this can include custody providers, payment systems, identity verification, asset registries, compliance processes, customer databases, marketplaces, logistics, and redemption networks. OnchainLabs brings these components together through secure blockchain infrastructure, APIs, wallets, administrative tools, and branded customer interfaces. This allows companies to build on the operations they already know while introducing new forms of digital ownership, access, and distribution. For established businesses, tokenization can extend a proven model into digital markets. For newer ventures, it can provide the infrastructure needed to launch with a credible and scalable foundation. We build for the full lifecycle Issuing a token is a milestone, but it is only one part of the product lifecycle. After launch, the system must continue to support customers, transactions, asset management, compliance, and growth. It must remain reliable as transaction volumes increase, new markets open, and the product evolves. We therefore build beyond the initial issuance. The infrastructure can support: - Token creation, issuance, and distribution - Secure wallets and account access - Customer onboarding and verification - Payments and transaction management - Ownership and transaction records - Asset transfers and redemption - Administrative controls and reporting - Integration with existing business systems - Expansion into new products, markets, and customer journeys Because the product is designed as a connected system from the beginning, companies can continue building on it instead of replacing it when the project grows. From a token to something bigger A well-designed token can become more than a digital representation of an asset. It can open an existing business to new customers. It can make ownership easier to access, manage, and transfer. It can support continuous digital operations and create a direct relationship between the issuer and the holder. Over time, it can also become the foundation for a wider product ecosystem. A gold token might begin with digital purchasing and redemption, then expand into accumulation plans, payments, collateral, or international distribution. A token connected to a collectible might grow into a platform for provenance, resale, access, and community benefits. A tokenized property product might evolve into a new way to manage ownership, income distribution, and investor communication. The opportunity depends on the asset, the business, and the rights built into the product. Our role is to identify that opportunity early and create the infrastructure that allows it to grow. Why companies work with OnchainLabs Tokenization requires more than blockchain development. It requires product thinking, technical experience, commercial understanding, and the ability to coordinate multiple parts of a complex project. Our team works across these areas as one partner. We help clients make the right decisions before development begins, communicate effectively with legal and operational stakeholders, and translate complex requirements into products customers can actually use. We are based and developed in Switzerland, with experience building digital ownership and transaction infrastructure for real-world business applications. Our approach is practical, transparent, and focused on long-term value. We do not begin by asking which blockchain a client wants to use. We begin by asking what they want to build, what customers should receive, and what must be true for the product to succeed. Then we build the technology around those answers. Bring your asset into digital markets If you have an asset, an operating business, or an early tokenization concept, we can help you understand what is possible and what it will take to bring it to market. From feasibility and product structure to infrastructure, launch, and scale, OnchainLabs provides the expertise and technology to turn a token into a digital product built for real use. Start your digital asset rollout today.

Oct 14, 2026

Tokenization vs. Digitization: What Is the Difference?

Digitization and tokenization are often used interchangeably, but they describe different processes. Understanding the distinction is especially important for businesses exploring blockchain, because using digital systems, or even blockchain itself, does not automatically mean that a product or asset has been tokenized. What Is Digitization? Digitization converts something physical, manual, or paper-based into a digital format. A paper certificate becomes a PDF, a physical membership card becomes an account in an app, or a handwritten ownership record moves into a database. This makes information easier to store, access, update, and share. However, the digital record usually remains controlled by a single company or platform. Digitization changes the format of information, but it does not necessarily change how ownership, rights, or value are managed. For example: - A paper certificate converted into a PDF is digitized. - A physical event ticket replaced by a QR code is digitized. - A loyalty card replaced by an account in an app is digitized. These processes may improve efficiency and accessibility, but they do not automatically create a transferable or programmable digital asset. What Is Tokenization? Tokenization goes further. It uses a digital token to represent a clearly defined asset, right, benefit, or entitlement on blockchain infrastructure. Depending on how the system is designed, the token may support ownership verification, transfers, access rights, automated rules, redemption, or services connected to the underlying asset. An asset is meaningfully tokenized when the token has a clear and reliable connection to what it represents. The token may represent: - Ownership of a financial or real-world asset - A certificate of authenticity - A membership or loyalty benefit - Access to an event, service, or community - A warranty or product entitlement - A digital product passport - Another clearly defined right or form of utility The holder should also be able to understand what the token allows them to do. Depending on the use case, they may be able to verify ownership, access benefits, transfer a right, redeem an entitlement, or interact with services connected to the token. Not every token needs to be transferable or tradable. What matters is that its purpose, its connection to the underlying asset, and the holder’s rights are clearly defined. A simple example helps explain the difference: - A certificate saved as a PDF is digitized. - Its timestamp or digital fingerprint recorded on a blockchain is blockchain-verified. - A token representing the certificate and connected to the relevant asset is tokenized. Using Blockchain Does Not Automatically Mean Tokenization Blockchain can be used to record transactions, verify information, create audit trails, process payments, share data, or track supply chains without representing anything through a token. Accepting cryptocurrency payments does not tokenize a company. Recording product information onchain does not automatically tokenize the product. Similarly, storing the digital fingerprint of a document on a blockchain does not mean the document itself has been tokenized. A useful set of questions is: - What makes the asset tokenized? - What does the token represent? - What can the holder actually do with it? If there is no clear asset, right, benefit, entitlement, or utility connected to the token, it may be a blockchain application, but not necessarily a tokenization project. In simple terms: - Digitization changes the format. - Blockchain provides the infrastructure. - Tokenization represents an asset, right, benefit, or utility through a token. A product can be digital without using blockchain, and a business can use blockchain without tokenizing its products or services. Where Can Tokenization Create Value? Tokenization can support a wide range of use cases, including financial and real-world assets, certificates of authenticity, memberships, loyalty programs, event access, warranties, digital product passports, physical products connected to digital services, and verifiable ownership records. For example, a tokenized certificate of authenticity could remain connected to an artwork as ownership changes. A tokenized membership could provide access to events, partner benefits, or different membership levels. A token connected to a physical product could support authenticity checks, warranty information, ownership history, and resale services. However, creating a token does not automatically create value. Tokenization is most useful when it improves how an asset, right, or benefit is issued, verified, managed, transferred, redeemed, or used. It should solve a real business problem rather than be added simply because blockchain technology is available. How OnchainLabs Supports Tokenization At OnchainLabs, we support businesses in identifying where tokenization can create practical value and in building the infrastructure around it. This can include tokenized assets, digital certificates, memberships, loyalty programs, event access, product authenticity, warranties, and digital product passports. We also help connect tokenization with user-friendly wallets, onboarding processes, and existing business systems. The goal is not to move every process onto a blockchain. It is to use tokenization where it creates a clear advantage for businesses and their customers. Not every digital process needs to be tokenized, and not every blockchain application is tokenization. The value comes from using the right technology for the right purpose. ‍

Oct 14, 2026

OnchainLabs Named Among First Residents of Kyrgyzstan's Tamchy Special Financial Investment Territory

OnchainLabs is exploring new opportunities for tokenization and knowledge exchange between Switzerland and Kyrgyzstan following its recognition as one of the first five international companies to reserve residency in the newly established Tamchy Special Financial Investment Territory (SFIT). OnchainLabs was named among the first five international companies recognized at the official opening ceremony of the Tamchy Special Financial Investment Territory (SFIT) in Kyrgyzstan, held on 3rd of July 2026 on the shores of Lake Issyk-Kul. The ceremony was led by Kyrgyz President Sadyr Japarov, who presented certificates to the first five companies to reserve residency in the new zone. Established under Kyrgyz Republic Law No. 136 of July 2025, Tamchy SFIT is a newly launched, roughly 6,000-hectare special economic zone operating under English common law, with a dedicated financial regulator, an independent dispute resolution centre, and a zero percent tax rate on profits, dividends, and capital gains for 49 years. The zone is positioned by its founders as a new international hub for financial services, fintech, and digital assets, connecting the Eurasian Economic Union, China, and the Middle East. OnchainLabs' interest in Tamchy SFIT centers on tokenization: the legal and technical infrastructure required to represent real-world assets, including physical commodities such as gold, on distributed ledgers. Switzerland has been a pioneer in this space since its Distributed Ledger Technology Act came into force in 2021, establishing clear regulatory token classifications and recognizing ledger-based securities in Swiss civil law. OnchainLabs works closely with Swiss legal and industry specialists operating within that framework. “Being named among the first residents of Tamchy SFIT is a meaningful moment for Onchain Labs,” said Florian Ehrbar, CEO of OnchainLabs. “Kyrgyzstan is building a jurisdiction with real ambition, and we see a natural fit between the legal certainty Switzerland has built around tokenization and the infrastructure Tamchy SFIT is putting in place. We're looking forward to exploring how that experience can be useful here.” “Great financial centres are built by understanding what international capital and businesses require,” said Ali Ijaz Ahmad, First Deputy Chairman of the Tamchy SFIT Management Council, at the opening ceremony. “Tamchy SFIT offers exactly that, a trusted, flexible, and investor-ready platform for businesses seeking sustainable growth.” OnchainLabs is proposing a structured knowledge-exchange program to the Tamchy SFIT Management Council, intended to connect Swiss legal, regulatory, and investment expertise with Tamchy SFIT's institutions and resident community. Discussions on the scope and timing of this and other potential initiatives are ongoing, and further details will be announced as they are confirmed.

Oct 14, 2026

You’ll be talking to the people who build it.

Let’s build yours.

Bring it to a first conversation. We’ll tell you straight what it could become, and what it would take to get there. That first talk is on us.