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Private Credit Tokenization — Blockchain Infrastructure for Yield-Bearing Debt Tokens
Private credit is the fastest-growing segment of alternative assets ($1.7T AUM). Tokenization enables fractionalization, automated interest distribution, and secondary market liquidity for private loans and credit funds. Here is the technical architecture. Equity tokenization: Token represents perpetual ownership inter...
contract PrivateCreditToken is ERC20, Ownable { struct LoanTerms { uint256 principalAmount; // Total loan principal uint256 interestRateBPS; // Annual rate in basis points (e.g., 1000 = 10%) uint256 originationDate; // When loan started uint256 maturityDate; // When loan must be repaid uint256 paymentFrequency; // Seco...
For tokenized credit funds (multiple loans in one vehicle): Fund token: Represents proportional interest in the fund's NAV. NAV = sum of all performing loan values + accrued interest - expenses. NAV calculation on-chain: solidity function calculateNAV() public view returns (uint256 nav) { for (uint256 i = 0; i < loans....
Common integrations: The Graph, Alchemy/Infura, OpenZeppelin Defender, and popular wallet providers.
Clarify requirements, compliance needs, architecture risks, and launch goals.
Implement core contracts, integrations, product flows, tests, and deployment automation.
Run QA, prepare audit handoff, deploy infrastructure, and support production rollout.
Yes — debt instruments are securities. Private credit tokenization must use a valid SEC exemption (typically Regulation D for accredited investors). The token represents a note or participation interest in a loan — a classic security instrument.
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