Tokenization
The real moves, but it cannot carry ownership of a car, a receivable, or a property.
In development
BRL-native · Solution 02 · The digital economy of the real
The real, connected to everything.
RealChain is the BRL-native network where the real becomes programmable, tokenizable, and interoperable. Money and assets settle in the same transaction, across currencies and borders, for anyone with a wallet, in Brazil or anywhere.
Unit
dBRL, target R$ 1
Settlement
Atomic, D+0
Connectivity
Multi-currency
Access
Wallet-native
01The missing layer
Pix taught the real to move. It did not teach the real to exist.
Pix solved transport: instant, cheap, and everywhere. But a payment is a message, not an economy. The real still lacks a native digital asset, programmable ownership, and atomic settlement between money and assets.
That is the layer RealChain builds.
The same gap does not stop at the border. Marketplaces and companies outside Brazil settle with the country through correspondents and credit, without money and the asset moving together.
Programmability
A payment cannot enforce conditions, escrow, credit, or delivery-versus-payment.
Atomic security
Money and assets live on separate rails, so one side has to trust first.
Pix is a payment rail. RealChain is the layer that comes after it. They complement each other; RealChain does not replace Pix.
02Atomic settlement
Who moves first: the money or the car?
In any exchange, one side has to trust first. The buyer sends money and hopes the asset arrives; the seller transfers the asset and hopes the payment arrives. Banks, notaries, and escrow exist to bridge that gap.
RealChain closes it. dBRL and the asset move in the same transaction. If one leg fails, neither settles. No intermediary holding one side, no trapped capital, no separate reconciliation.
The same primitive applies to FX, receivables, imports, and any tokenized asset.
Today
Buyer
→
Money
→
Trust gap
→
Asset
→
Seller
Two steps. One side moves first.
RealChain
Buyer
⇄
dBRL + Asset
⇄
Seller
One transaction. Both settle, or neither does.
No trust gap
The two legs are one transaction.
No trapped capital
Neither side has to fund first.
No separate reconciliation
The asset and the payment share one record.
03The network
The real stops being only a means of payment.
It becomes an economy: connected, inclusive, tokenized, and atomic. Brazil is the anchor. The network is global.
Connected
One unit of account, many currencies and networks.
Inclusive
A wallet is the entry point. Fees can be sponsored.
Tokenized
Assets and claims become programmable units.
Atomic
Money and ownership settle together.
04How it works
The real economy, as a stack.
Each layer removes a specific friction. Together they make the real a native digital economy.
dBRL, the unit
A BRL-denominated digital asset with a target of R$ 1, issued against overcollateralized Vaults, with public rules for conversion and risk.
Settlement
Atomic exchange, conditional custody, and programmable rules. Both legs execute together, or neither does.
Assets
Tokenized ownership of vehicles, receivables, real estate, inventory, and productive assets.
Connectivity
Routes to other currencies, stablecoins, networks, and global marketplaces. The real is not trapped in a single rail.
Access
Wallets, payment links, readable handles, checkout, and sponsored fees.
Security
Independent price feeds, transparent liquidations, reserves, and governance.
dBRL is the money. The network is the system. The R$ 1 target is defended by rules, liquidity, and reserves.
05In the real economy
The car is just the beginning.
The same primitives apply wherever money and assets need to move together, within the legal framework of each market.
Buying a car
Payment and asset transfer settle together. The car and the money move in one step.
Global marketplaces
Platforms and sellers settling between Brazil and the world, D+0, across currencies.
Receivables
Tokenize invoices and receivables, use them as collateral, and settle them with the payment.
Access without a branch
A wallet, a payment link, and sponsored fees for people outside the traditional banking system.
Merchants
Payment links, checkout, recurring and conditional payments, settled in dBRL.
Real assets
Real estate, inventory, and productive assets with programmable ownership and income.
06Global commerce
Global commerce still waits D+30.
A marketplace in Asia sells to a buyer in Brazil. The order is confirmed, the payment leaves, and then the money waits: FX, correspondents, credit, settlement. The seller waits 30 days or pays to anticipate. Capital is trapped on both sides.
RealChain connects the order, the real, and the asset. The buyer's dBRL and the seller's goods or receivables settle in one transaction, D+0, across currencies and borders.
Order, payment, FX, correspondent, settlement.
Capital trapped. Seller waits. Buyer waits.Order, dBRL, and asset settle in one transaction.
Both legs settle, or neither does.
Built for global marketplaces and the companies behind them
AliExpress
Alibaba
eBay
Examples of global marketplaces. No client, partner, or endorsement relationship is implied.
07Access
Access is not a feature. It is the point.
The financial market is concentrated in a few hands. A handful of acquirers and registrars control the payment chain, from the terminal to the receivables registry, and people and companies have little recourse when a charge is wrong or a market closes. RealChain gives them a direct path. It is power over your own money, without depending on intermediaries.
A wallet, not a branch
People can hold, receive, and pay dBRL directly. Access starts with a wallet, not a bank branch.
Your node, your receivables
A company can run its own node and receive dBRL without an acquirer in the middle.
Receivables as global assets
Acquirers and merchants can tokenize URs (receivables units), reach investors worldwide, and fund at a lower cost. That lowers rates for merchants.
Proof of origin
Companies sign charges with ICP-Brasil digital certificates. Customers can verify that a charge came from the company, not from a scam.
A market that never closes
A 24/7 market where participation does not require a broker. Companies can issue their tokens directly to their customers, without intermediaries, within the legal framework of each market.
RealChain is BRL-native and globally accessible. A company in Asia, Europe, or Latin America can hold dBRL and settle with Brazil.
08Brazil, for the world
Brazil built the rail. Now it can connect the world.
Pix made the real instant and ubiquitous. Brazil has one of the most digital payment cultures in the world and a real economy that is still under-represented in global settlement.
The next step is not another payment app. It is a native digital economy for the real, built in Brazil and connected to the world. Brazil is the anchor, not the boundary.
The next Brazilian export can be settlement.
09The destination
A real that settles in one move.
The destination is a BRL-native economy where money, assets, and credit move together, for everyone.
01
A real anyone can hold.
02
A real that carries any asset.
03
A real that crosses any border, D+0.
04
A real that settles whole, or not at all.
That is the standard we are building to. Not a payment app. An economy.
10FAQ
Questions worth asking.
The short answers. For the full design, talk to the team.
Is RealChain a stablecoin?
RealChain is a network. dBRL is its BRL-denominated unit, designed to hold a target of R$ 1.
Is RealChain Pix?
No. Pix is a payment rail. RealChain is a settlement network for programmable money and tokenized assets. They complement each other.
How is dBRL kept close to R$ 1?
Overcollateralized Vaults, public conversion and redemption rules, independent price feeds, transparent liquidations, and reserves. The target is R$ 1; the defense is a system of rules. dBRL is not a bank deposit.
Can I use it without a bank?
Access starts with a wallet. Fees can be sponsored by a person, company, or application. On-ramps, off-ramps, and compliance depend on the access provider and jurisdiction.
What can be tokenized?
Vehicles, receivables, real estate, inventory, productive assets, and other claims, where the law permits.
How does cross-border settlement work?
dBRL and other currencies or assets move through approved routes. Both legs can settle in the same transaction, D+0, or neither does.
Do I need an acquirer to receive dBRL?
No. A company can run its own node and receive dBRL directly. Acquirers can still add distribution, credit, and other services.
How do I know a charge is genuine?
A company can sign the charge with an ICP-Brasil digital certificate. The wallet verifies the signature, so the customer knows the charge came from the company.
Can companies issue tokens directly?
The network is designed for direct issuance, within the legal framework of each market.
Is RealChain only for Brazil?
No. RealChain is BRL-native and globally accessible. Companies and platforms outside Brazil can hold dBRL, settle with Brazilian counterparties, and access BRL liquidity.
How does D+0 settlement work?
The order, the money, and the asset can settle in one transaction. If one leg fails, neither settles, so the seller does not wait for correspondent settlement.
The real is ready for its next layer.
Bring a use case, an asset, or a corridor. Let's build the BRL-native economy, open to the world.