Who here is eyeing up tokenized loans?

For over a decade, private credit has quietly become one of the most powerful forces in global finance. These loans offer attractive yields but have remained frustratingly illiquid, opaque, and largely inaccessible. That is beginning to change. The next major transformation in finance is being driven by tokenization, the process of representing real-world financial assets as blockchain-based tokens. In 2025, tokenized private credit sits at the intersection of traditional yield generation and onchain innovation. It offers a new model for how credit, liquidity, and transparency can coexist in a more efficient and open financial system. Tokenization introduces a way to unlock liquidity and transparency in this traditionally closed market. By representing loan interests as digital tokens on a blockchain, investors can buy, hold, and trade fractional claims far more efficiently. Smart contracts can automate payments, performance tracking, and compliance, reducing paperwork and settlement delays. The benefits are clear... Liquidity: Investors aren't locked for the full term; they can exit early through onchain secondary markets instead of waiting years for maturity. Transparency: Real-time data on payments, defaults, and yields can be visible on the blockchain. Efficiency: Borrowers and originators gain faster access to capital with fewer intermediaries and lower costs. Tokenized private credit is one of the first areas in blockchain to demonstrate genuine product-market fit. Unlike many early DeFi projects, tokenized credit has attracted participants from traditional finance rather than short-term crypto traders. The result is a financial system that can operate around the clock, with near-instant settlement, programmable compliance, and global accessibility. As both investors and regulators grow more comfortable with these technologies, tokenized private credit could pave the way for a more efficient, inclusive, and resilient financial ecosystem. At Waltham Capital we're very excited about this shift and are already laying the ground work with relevant partners to make tokenized private credit easy for everyone. Interested to learn more? Would love to discuss