Despite the hype, most decentralized finance protocols still struggle with real-world asset (RWA) integration. Illiquid collateral, fragmented compliance frameworks, and limited institutional tooling have slowed adoption, even as demand grows for on-chain treasuries, real estate, and carbon assets.

Mystic Finance and Zoniqx are addressing these gaps head-on.

Mystic Finance is implementing a tranche-based approach to lending markets—designed to isolate liquidation risk on loans backed by traditionally illiquid RWAs. Zoniqx, known for its institutional-grade tokenization stack, is supporting this effort through a dynamic, compliant infrastructure layer that enables real-time asset issuance, management, and distribution.

This model enables DeFi-native protocols to confidently engage with real-world assets while maintaining performance, scalability, and regulatory resilience.

Mystic Finance is implementing risk-tiered lending markets, while Zoniqx powers the underlying tokenization layer through its proprietary ERC-7518 standard which is a dynamic, compliance-first protocol purpose-built for institutional RWA deployment.

How This Comes Together:

• Risk-Managed Lending Pools: Mystic Finance is launching junior/senior tranches in its DeFi money markets to enable structured risk and lower volatility when using real-world collateral.
  
  
• ERC-7518 Protocol by Zoniqx: Unlike generic token standards, ERC-7518 was designed specifically for multi-jurisdictional, cross-border RWA tokenization. It enables dynamic partitions, on-chain compliance logic, and real-time minting based on investor demand—bridging the legal-technical gap that has slowed RWA adoption.
  
  
• Scalable Asset Deployment: Zoniqx has already deployed millions in tokenized assets on Polygon and is powering a tokenized data center initiative focused on sustainable, AI-optimized infrastructure proving how hard assets can go on-chain efficiently.
  
  
• Issuer Portal & Lifecycle Management: Mystic Finance is integrating Zoniqx’s issuer portal and white-label marketplace, which supports KYC, AML, whitelisting, and asset governance in a plug-and-play interface.
  
  
• Carbon Market Exploration: With increasing scrutiny around ESG claims, both teams are actively exploring better tokenization models for carbon credits, offering more transparency than legacy systems from Vera and Gold Standard.
  
  
• Multi-Chain Alignment: Mystic is initially focusing on Plume Network for DeFi-native alignment, while Zoniqx ensures backend compatibility across multiple chains.
  
  

“We’re building a lending market perfectly adjusted to the needs of tokenized assets. Zoniqx brings on-chain the kind of assets that will be the backbone of the DeFi of tomorrow, and it’s our pleasure to bring DeFi lending to those assets today. .”
— João Moreira, Founder & CEO of Mystic Finance

“Mystic Finance understands that RWAs need structure and composability to thrive in DeFi. With ERC-7518 and our end-to-end stack, we’re creating pathways for real-world value to move confidently on-chain.”
— Prasanth Kalangi, Founder and CEO at Zoniqx

About Mystic Finance

Mystic Finance is a DeFi protocol focused on building structured money markets for tokenized assets. By integrating real-world assets into decentralized infrastructure, Mystic aims to unlock new forms of yield, risk-adjusted lending, and capital efficiency for both retail and institutional users.

About Zoniqx

Zoniqx ("Zoh-nicks") is a global fintech leader headquartered in Silicon Valley, specializing in converting real-world assets into Security Tokens. The platform offers interoperable, compliant infrastructure for the RWA tokenization market, enabling global liquidity and DeFi integration through its end-to-end ecosystem of SDKs and APIs. To explore how Zoniqx can assist your organization in unlocking the potential of tokenized assets, please visit www.zoniqx.com/contact.