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aarnâ India Yield Platform

Tokenization Bridgefor India's Capital Markets

aarnâ IYP is building the regulated onchain infrastructure layer for India's financial markets, tokenized at GIFT City, settled in USD or USDC, accessible to eligible accredited investors in permitted jurisdictions.

IFSCA FinTech Regulatory Sandbox - Stage 1 approved · Stage 2 in IFSCA review. Q4 2026 target launch

ICT · First Product

India Credit Token

Regulated access to India's performing credit market - tokenized as a permissioned digital token at GIFT City, settled in USD or USDC.

The Thesis

Indian performing credit has historically yielded 12-16% in INR. FX-hedged and wrapped at GIFT City, it lands in your wallet as a target 8-9% net USD yield, on a credit cycle driven by Indian domestic conditions rather than US rates.

Target yield based on historical performance of underlying Category II performing credit AIFs, net of FX hedging costs, platform fees and SPV expenses. Not a guarantee of future returns.

ICT is a permissioned digital token issued from our GIFT City SPV, which invests as a single institutional investor into Category II performing credit AIFs run by two of India's top credit asset managers.

Held in your own wallet, with income paid out periodically in USD or USDC.

Target Net USD Yield
8-9%
Structural, FX-hedged, driven by India's own credit cycle
Regulatory Status
IFSCA
IFSCA Sandbox · Stage 1 Approved · Stage 2 In Review - Q4 2026
Minimum Investment
$25K
ERC-3643 permissioned · ONCHAINID gated
Distributions
Periodic
USD or USDC payouts in arrear, per NAV cycle
Capability

Compliance First
Institutional Grade

The infrastructure layer that makes India's performing credit markets accessible, compliant, and globally distributable - with legal enforceability and investor protection as design choices, not afterthoughts.

01 / Regulatory
IFSCA Sandbox: Stage 1 Approved
Stage 1 approved April 2026. Stage 2 full application in review, targeting Q4 2026 launch.
02 / Underlying
Category II performing credit AIFs
Two of India's top credit asset managers, institutionally rated and listed.
03 / Standard
ERC-3643 Permissioned
Institutional-grade compliance enforced at the token layer.
04 / Identity
ONCHAINID
Verified identity, issued as ONCHAINID claims.
05 / Settlement
USD or USDC
Subscribe and receive distributions in USD or USDC, by bank wire or onchain. Two channels, one token.
Platform Pipeline

One Platform
Multiple Instruments

ICT is targeting a Q4 2026 launch. India Bond Tokens, the Sovereign Token and the Index Token are in development - each one a further piece of India's markets, tokenized, under regulation.

India Credit Token
Target: Q4 2026
Category II performing credit AIFs, as an ERC-3643 permissioned digital token. Multi-vintage, FX-hedged, USD-settled.
8-9%
Target Net USD Yield
USD or USDC
Settlement
India Bond Token
In Development
Rated corporate and sovereign bonds, tokenized for global distribution to accredited capital.
TBD
Yield
Rated
Underlying
India Sovereign Token
Planned
Direct access to Government of India securities, tokenized and compliance-wrapped for global investors.
TBD
Yield
GOI
Underlying
India Index Token
Planned
Diversified, rules-based exposure across IYP's tokenized credit, bond and sovereign assets in a single ERC-3643 permissioned token.
TBD
Yield
Multi-asset
Underlying
Investor Journey

From Wallet Connect to
First Distribution

Five steps, wallet-native and KYC-gated, with ONCHAINID anchored at the token layer. Compliance is enforced at the smart-contract boundary - not bolted on at the application layer.

  1. 01

    Connect Wallet

    Sign in with Ethereum (SIWE). Your verified wallet is linked to an onchain identity record and the applicable eligibility claims.

  2. 02

    Complete KYC

    Sumsub-powered identity verification. Accredited investor status confirmed.

  3. 03

    ONCHAINID Issued

    An onchain identity claim is issued to your wallet. Transfer eligibility is enforced at the token layer, supported by off-chain KYC, AML and sanctions screening.

  4. 04

    Access Data Room

    Product briefs, underlying portfolio detail, and partner materials - unlocked once your status is verified.

  5. 05

    Subscribe

    Fund by USD wire or in USDC. ICT is minted to your wallet at close, with periodic USD or USDC distributions thereafter.

$7.7T
Indian capital markets
The Opportunity

Virtually none of it is tokenized

aarnâ IYP is building the regulated infrastructure to change that - one instrument at a time, starting with credit.

Choose Your Path

Three Ways
Onto the Platform

Direct subscription for accredited investors, access through regulated wealth and distribution partners, or programmatic API integration for institutions.

For Investors
Target: Q4 2026
Subscribe Directly to ICT
Connect your wallet, complete Sumsub KYC, and hold an ERC-3643 digital token issued at GIFT City.
Target 8-9% net USD yield
Periodic USD or USDC distributions
$25K minimum · ONCHAINID-gated
Periodic redemption windows
Details →
For Wealth Platforms & Distribution Partners
Planned
Access via a Regulated Partner
Licensed wealth platforms and distribution partners onboard their own eligible investors and offer ICT to their client base in permitted jurisdictions.
Co-branded access through regulated partners
Partner-led KYC and accreditation
Distribution to the partner's eligible investors
In planning
For TradFi Institutions & Integrators
Planned
Integrate via API
Programmatic subscription, redemption and reporting for institutions integrating ICT into their own platforms.
API key + HMAC authentication
OpenAPI spec · sandbox credentials
Programmatic subscribe and redeem
In planning
Tokenization Bridge for India's Capital Markets