India Yield Platform

Tokenized Infrastructure for Indian Financial Markets

aarnâ IYP tokenises Indian financial markets as permissioned digital tokens - regulated at GIFT City, settled in USDC, accessible to accredited investors worldwide.

ICT · First Product

India Credit Token.

Regulated access to India's performing credit market - tokenised as a permissioned digital token at GIFT City, settled in USD or USDC.

ICT is an ERC-3643 permissioned digital token representing beneficial interest in aarnâ's GIFT City SPV. The SPV subscribes as a single FPI limited partner into SEBI Category II performing credit AIFs - funds with existing, audited, multi-vintage track records.

Investors hold ICT in their own wallets, each token a proportional claim on the SPV's net asset value. Distributions flow periodically in USD or USDC; redemptions occur through periodic windows aligned with underlying AIF liquidity - a target 8-9% net USD yield, independent of US rate policy.

The Thesis

Indian performing credit yields 12-16% in INR. FX-hedged and wrapped at GIFT City, it lands in your wallet as a target 8-9% net USD yield - independent of US rate policy.

Target yield based on the historical performance of the underlying SEBI Category II performing credit AIFs, net of FX hedging costs, platform fees and SPV expenses. Not a guarantee of future returns.
aarnâ IYP · Platform Thesis · April 2026
Target Net USD Yield
8-9%
Structural, FX-hedged, independent of US rate policy
Regulatory Status
IFSCA
Sandbox · Phase 1 approved, April 2026
Minimum Investment
$25K
ERC-3643 permissioned · ONCHAINID gated
Distributions
Periodic
USD payouts in arrear, per NAV cycle
Capability

Compliance First.
Institutional Grade.

The infrastructure layer that makes India's performing credit markets accessible, compliant, and globally distributable - with legal enforceability and investor protection as design choices, not afterthoughts.

01 / Regulatory
IFSCA Phase 1 Approved
Sandbox approval received April 2026. Full application in progress.
02 / Underlying
SEBI Category II AIFs
Performing Indian credit funds with audited track records.
03 / Standard
ERC-3643 Permissioned
Institutional-grade compliance enforced at the token layer.
04 / Identity
Onchain ID
Verified identity, issued onchain as ONCHAINID claims.
05 / Settlement
USD or USDC
Come in and cash out in USD or USDC, bank wire or onchain. Two channels, one token.
Platform Pipeline

One Platform.
Multiple Instruments.

ICT is currently under consideration. India Bond Tokens, the Sovereign Token, and cross-border stablecoin payments are in development - each one a further piece of India's markets brought onchain, under regulation.

01India Credit Token
Available
SEBI Category II performing credit AIFs, as an ERC-3643 permissioned digital token. Multi-vintage, FX-hedged, USD-settled.
8-9%
Target Net USD Yield
USDC
Settlement
02India Bond Token
In Development
Rated corporate and sovereign bonds, tokenised for global distribution to accredited capital.
TBD
Yield
Rated
Underlying
03India Sovereign Token
Planned
Direct access to Government of India securities, tokenised and compliance-wrapped for global investors.
TBD
Yield
GOI
Underlying
04India Index Token
Planned
Diversified, rules-based exposure across the India Yield Platform's tokenised credit, bond and sovereign assets, in a single ERC-3643 permissioned security for global accredited investors.
TBD
Yield
Multi-asset
Underlying
Investor Journey

From Wallet Connect
to First Distribution.

01
Connect Wallet
Sign in with Ethereum (SIWE). Your wallet address becomes your platform identity - no email, no password.
02
Complete KYC
Sumsub-powered identity verification. Accredited investor status confirmed.
03
ONCHAINID Issued
An onchain identity claim is issued to your wallet. KYC and AML are enforced at the token layer, not the application layer.
04
Access Data Room
Product briefs, underlying portfolio detail, and partner materials - unlocked once your status is verified.
05
Subscribe
Fund in USDC or by USD wire. ICT is minted to your wallet at close, with periodic USD distributions thereafter.
No Username. No Password.

Five steps, wallet-native and KYC-gated, with ONCHAINID anchored at the token layer. Compliance is enforced at the smart-contract boundary - not bolted on at the application layer.

  • Compliance enforced at the token layer, not the app
  • Non-custodial - your keys stay in your wallet
  • Sumsub-verified, ONCHAINID-anchored identity
$4T
Indian financial markets
The Opportunity

Virtually none of it is onchain.

aarnâ IYP is building the regulated infrastructure to change that - one instrument at a time, starting with credit.

Choose Your Path

Three Ways
Onto the Platform.

Direct subscription for accredited investors, access through regulated wealth and distribution partners, or programmatic API integration for institutions.

For Investors
Planned
Subscribe Directly to ICT.
Connect your wallet, complete Sumsub KYC, and hold an ERC-3643 digital token issued at GIFT City.
Target 8-9% net USD yield
Periodic USD distributions
$25K minimum · ONCHAINID-gated
Periodic redemption windows
Details →
For Wealth Platforms & Distribution Partners
Planned
Access via a Regulated Partner.
Licensed wealth platforms and distribution partners onboard their own eligible investors and offer ICT to their client base in permitted jurisdictions.
Co-branded access through regulated partners
Partner-led KYC and accreditation
Distribution to the partner's eligible investors
In planning
For TradFi Institutions & Integrators
Planned
Integrate via API.
Programmatic subscription, redemption and reporting for institutions integrating ICT into their own platforms.
API key + HMAC authentication
OpenAPI spec · sandbox credentials
Programmatic subscribe and redeem
In planning
aarna IYP - India's Regulated Tokenised Asset Platform