The tokenization of real-world assets (RWAs) has long been touted as one of blockchain’s most promising use cases—but in 2025, it’s finally moving from theory to adoption.
With the RWA sector surpassing $23 billion in valuation this year—a staggering 260% growth in just six months—industry giants like Robinhood, Kraken, Circle, and Backed are making aggressive moves to bring traditional financial instruments on-chain. But despite the growing excitement, access to these assets has remained largely crypto-native, creating friction for everyday users.
That’s where Alchemy Pay steps in.
Known as a leading global fiat-crypto payment gateway, Alchemy Pay is now entering the RWA race with a bold proposition: the world’s first fiat-to-RWA investment platform, allowing users to purchase tokenized stocks and ETFs directly with local fiat currencies.
This game-changing move has the potential to redefine how the world invests in real-world assets—especially for users in emerging markets and underserved regions.
RWA Market Heats Up in 2025
According to Binance Research, the total value of tokenized RWAs grew from $8.6 billion in January to over $23 billion by June. That growth coincides with significant progress in U.S. crypto regulation, including new SEC guidance on staking and the Senate’s passage of the GENIUS Act, which established a federal framework for fiat-backed stablecoins.
These developments have paved the way for major financial institutions and crypto platforms to take tokenization seriously.
- Robinhood announced a new Layer-2 network on Arbitrum for issuing tokenized U.S. stocks to European users.
- Kraken, in partnership with Backed and Solana, began offering tokenized stocks like Apple and Tesla to non-U.S. users—fully backed 1:1 and tradable 24/5.
- Circle’s IPO, following its leadership in regulated stablecoins, helped raise over $1.1 billion and sparked renewed interest in asset-backed digital instruments.
Together, these moves have created a perfect storm for RWA adoption—and Alchemy Pay is ready to seize the moment.
Alchemy Pay: Breaking the Barrier Between Fiat and Tokenized Assets
While platforms like Kraken and Robinhood offer access to tokenized stocks, what’s been missing from the equation is a simple, fiat-first solution that opens the doors to the mainstream.
Alchemy Pay’s new RWA platform fills that gap.
Built in collaboration with Backed, a RWA issuer of tokenized stocks and ETFs, Alchemy Pay will soon enable global users to invest in tokenized equities using just their local fiat currency. More than 55 assets will be available at launch, including: Apple xStocks (AAPLx), Tesla xStocks (TSLAx), NVIDIA xStocks (NVDAx), Coinbase xStocks (COINx), and more.
By integrating these into its fiat payment rails, Alchemy Pay becomes the first platform in the world to offer direct fiat-to-RWA access, letting users in supported jurisdictions buy tokenized stocks as easily as buying a cup of coffee.
“Tokenization is only truly transformative when it’s accessible,” said Ailona Tsik, CMO at Alchemy Pay. “By eliminating the need for crypto pre-funding, we’re removing the final barrier for mainstream RWA adoption.”
Expanding Financial Inclusion Through Tokenized Equities
The impact of this innovation could be most significant in emerging markets, where access to global financial markets has traditionally been restricted due to high entry costs, limited infrastructure, or strict capital controls.
By accepting local fiat payment methods, Alchemy Pay’s platform allows users in these regions to invest in the world’s top-performing companies—without needing U.S. residency, brokerage accounts, or complicated KYC procedures. Supported payment methods include Visa, Mastercard, Apple Pay, Google Pay, SEPA, PIX and more localized payment methods.
With Alchemy Pay’s RWA platform, regular users can finally invest in tokenized assets like Tesla and Apple just using their mobile phone and local payment app.
In recognition of its innovation, Alchemy Pay has now been officially listed as a core partner on xStocks’ alliance board, alongside Kraken, Solana, Bybit, and Chainlink. This reflects the project’s commitment to compliance, security, and the shared vision of expanding tokenization globally.
Together with its partners, Alchemy Pay aims to set the standard for RWA infrastructure, from issuance to accessibility, compliance to utility.
A Bigger Vision: From Gateway to Global Financial Hub
Since its founding, Alchemy Pay has focused on bridging the gap between traditional finance and Web3. It operates a widely integrated fiat payment gateway that supports over 50+ fiat currencies and hundreds of payment channels across Asia, Europe, LatAm, and more.
But now, with the RWA platform and the upcoming Alchemy Chain, a Layer-1 blockchain optimized for stablecoin payments and international settlements with the plan to launch its own stablecoin, the company is building a comprehensive ecosystem aimed at solving inefficiencies in global capital movement.
As the lines between traditional and decentralized finance continue to blur, platforms like Alchemy Pay are leading the charge toward a more inclusive, borderless financial world.
By bringing tokenized real-world assets to the masses, via simple fiat payments, Alchemy Pay isn’t just joining the RWA trend. It’s defining the next chapter.
About Alchemy Pay
Founded in 2017, Alchemy Pay is a payment gateway that seamlessly connects crypto with traditional fiat currencies for businesses, developers, and end users. With its offerings including On & Off-Ramp, Web3 Digital Bank, NFT Checkout and its newly launched RWA platform, Alchemy Pay supports fiat payments in 173 countries.
The Ramp is a one-stop solution to buy and sell crypto and fiat, easily integrated by platforms and dApps according to requirements. The RWA platform allows global users to invest in tokenized real-world assets using local fiat currencies, lowering entry barriers and democratizing access to traditional financial instruments. Our Web3 Digital Bank supports Web3 enterprises by providing multi-fiat accounts and instant fiat-crypto conversion capabilities. Additionally, the NFT Checkout enables direct purchases of NFTs using fiat payment methods. ACH is the Alchemy Pay network token on the Ethereum blockchain.
