Meet the team behind some of the highest transaction volumes on Moonbeam.
Humble, sharp, and deeply mission-driven, Tokeniza Go to page https://tokeniza.com.br/is doing more than just pushing numbers—they're redefining finance in Brazil. Founded by Mychel MendesGo to page https://x.com/mychelmendes, they are making waves. From building tokenized infrastructure for the country’s top financial players to enabling seamless payment processing through Moonbeam, Tokeniza is carving out the future of real-world assets onchain.
Moonbeam is proud to support this work. And if you're curious how one protocol is helping transform the financial rails of Latin America—read Mychel Mendes’ vision on why he is building on Moonbeam.
Tokeniza was created in 2022, what initially led you and your team to create a financial vehicle focused on RWAs in Brazil?
I was already a Bitcoin enthusiast and investor and was studying the technology extensively when I discovered tokenization and realized it was the future of assets. I chose Brazil as my first market mainly because it has a wealth of assets and a high interest rate.
What made you choose Moonbeam to build on?
I chose Moonbeam for its interoperability, cost, and speed. It was the perfect balance for building an RWA.
Tell us about your journey to creating the platform?
From the outset, we chose the regulatory path, believing that RWA is a combination of collateral and regulation. So, we spent about a year and a half seeking approval from the CVM (Brazilian Securities and Exchange Commission) while simultaneously developing the product.
Who is the Tokeniza audience?
The Tokeniza audience includes both retail and institutional investors looking for regulated, high-yield opportunities in the Real World Assets (RWA) sector, such as real estate, legal claims (precatórios), agribusiness contracts, and debt instruments, all tokenized on blockchain to ensure transparency, efficiency, and liquidity.
In addition, we also serve entrepreneurs and asset owners who want to finance their projects through tokenization, raising capital in a faster, simpler, and more accessible way by connecting directly with a global base of investors on a regulated platform.
Explain the onboarding process ?
- Investors create an account at plataforma.tokeniza.com.br.
- They complete a compliance-grade KYC process in under 3 minutes.
- After verification, users can deposit funds using PIX (the Brazilian instant payment system) or crypto.
- Investments are made directly in tokenized offerings using tBRL, our on-chain representation of the Brazilian real.
- All positions are available on-chain, with automated income distributions via smart contracts.
What is the biggest challenge with bringing more financial utility to Brazil?
The core challenge is access. Most Brazilians are excluded from high-yield private investments like credit funds, precatórios, or tokenized real estate, either due to regulatory barriers, minimum ticket sizes, or lack of digital infrastructure.
Tokeniza solves this by combining:
- Regulated structure (CVM 88),
- Blockchain technology (transparency, automation),
- On/off-ramp with PIX, and
- Tokenized BRL (tBRL) to allow frictionless access.
But educating the market and building trust in this new infrastructure is the long-term challenge and also our biggest opportunity.
What insights about the Brazil financial markets can you share with us?
Brazil offers one of the highest real yields in the world, often between 15% and 18% per year, compared to 3–5% in developed markets. Yet, access to these opportunities remains limited due to bureaucracy, high entry barriers, and concentration in traditional banks. Tokenization solves this by bringing transparency, fractional access, and efficiency to real assets like real estate, precatórios, agri-business and credit rights.
With a fully digital population, instant payments via PIX, and regulatory clarity through the CVM, Brazil is ready to scale RWA adoption globally. Tokeniza connects this high-yield, regulated ecosystem to the world, helping investors gain exposure to real economic value, and enabling Brazilian entrepreneurs to raise capital through blockchain infrastructure.
You recently received a second grant from Moonbeam Foundation, what new features will be supported as a part of the platform?
The second Moonbeam Foundation grant lets us go far beyond “just keeping the lights on.” In addition to scaling the core Tokeniza platform, the new funding unlocks eight concrete features that benefit both users and the wider Moonbeam ecosystem:
- Onchain transparency layer — every tokenized deal will now be deployed with verified smart-contract code and a public schema that links off-chain investor records to on-chain transfers. We’ll open-source the template so other RWA projects can fork it instantly.
- Big-Four compliance blueprint — an external audit by Ernst & Young will cover workflow, custody and fiat rails; the findings (redacted) will be published on GitHub as the first “reg-tech playbook” for Moonbeam.
- tBRL stablecoin + Pix on/off-ramp — the grant pays for the final development and licensing costs to issue tBRL (1:1 BRL-backed) directly on Moonbeam, giving Latin-American users a friction-free bridge between local banking and DeFi.
- TKNZ token launch — finalized tokenomics, staking logic and governance docs in both PT & EN, followed by a Moonbeam-native TKNZ deployment and liquidity bootstrapping on Stellaswap.Go to page https://stellaswap.com/
- Integrated KYC/AML module — licensing fees and dev time to hard-wire Brazilian Payment-Institution requirements (KYC, PEP checks, audit trail) into the Moonbeam dApp—no more off-chain patch-work.
- Multilingual UX/UI overhaul — full redesign of dashboard and mobile views, plus English- and Spanish-language packs and in-app education widgets that demystify RWA investing for first-time crypto users.
- Liquidity & airdrop incentives — a portion of the 1.5 % TKNZ allocation will seed yield boosts in the tBRL/TKNZ pool and fund a performance-based airdrop tied to real interaction with Moonbeam smart contracts.
- Global growth toolkit — co-branded campaigns, PR pushes and regional meet-ups (Brazil and two more countries) with KPIs reported on-chain—so new wallets, TVL and cross-border volume are all verifiable.
Together, these deliverables transform Tokeniza from a single-country RWA portal into a regulation-ready, cross-chain asset rail—and give every Moonbeam builder a compliant blueprint to tokenize real-world assets at scale.
What RWAs products are most popularly traded on Tokeniza?
Companies (startups) that are seeking incentives to grow their projects, solar plants and financial credit products.
Tell us about the PIX partnership? How does the banking system in Brazil function? What is Tokeniza optimizing with the help of Moonbeam’s infrastructure?
Tokeniza connects to PIX through a licensed payment institution plugged into the Central Bank’s SPI rail. When a customer sends reais to our segregated account, the bank’s webhook triggers a one-to-one mint of tBRL on Moonbeam; on redemption, the token burn fires an instant Pix transfer back to the user’s bank account. Because PIX settles 24 × 7 in under three seconds, we bypass TED/SWIFT delays and offer a real-time fiat ↔ on-chain ramp while remaining fully compliant with Bacen and CVM rules.
Building on this rail, we leverage Moonbeam’s EVM-compatible infrastructure to (i) issue tBRL as an auditable ERC-20 contract, (ii) publish low-cost on-chain proof-of-reserves, and (iii) unlock cross-chain liquidity via XCM to networks such as Ethereum and BSC without a central custodian. The result: capital enters Brazil through Pix and reaches the global DeFi stack in seconds, with full transparency and programmable governance.
- Any customer testimonials you can share with us?
- What’s on the roadmap for the rest of 2025? Goals?
For the remainder of 2025, Tokeniza has an ambitious roadmap focused on technological innovation, international expansion, and the launch of new regulated products. On the technical side, we’re rolling out features such as custom wallets, PancakeSwap liquidity integration, tax automation (IN 1888, GCAP), and advanced anti-fraud modules. Strategically, we’re expanding into new markets with active partnerships in Portugal, Switzerland, and the U.S., while advancing our DTVM license in Brazil and preparing for the launch of the TKNZ token, with its TGE scheduled for later this year.
Read more about Tokeniza in Cointelegraph here.Go to page https://br.cointelegraph.com/news/tokeniza-moonbeam-accelerates-rwa-brazilians-international-market