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The Chintai blockchain solution is built for compliant digital assets. Key components of capital markets infrastructure are integrated to maximise efficiency throughout the trade life cycle of digital assets and offer ease of use for businesses. This platform includes dynamic digital asset issuance, secondary market trading, and a compliance framework that enables regulatory controls to be customised on the basis of jurisdiction and a given asset class. Chintai blockchain solutions are designed to be institutional-grade, which offers a user experience similar to traditional centralised applications.

• One-stop blockchain platform to create, issue, and trade digital assets through the full lifecycle, with a built-in automated compliance engine.

• A robust cap-table management system to increase efficiency, including token management, dividend payments and corporate actions with multi-signature permissions features

• A white-label option allows greater autonomy for clients to issue, manage and control the tokenisation process with blockchain technology solutions.

• On-chain audit trail providing uncompromised traceability powered by AI. For anomalies, the platform will activate human intervention to maintain the integrity of its AML/CFT compliance protocol.

• Automated compliance engine giving assurance where compliance rules are embedded in the token and designed to perform internal checks to ensure all subsequent transactions meet the applicable compliance requirements.

Yes, we let our customers white label through connecting to our API endpoint within the Chintai application

We let our customers to take our solutions and customise them to their own branding. This works by connecting to our API endpoint in the Chintai application.

Asset tokenisation is a concept where tangible or physical assets are converted into a digital token powered by blockchain technology. These tangible assets can be real estate, securities (stocks), commodities, bonds, debts instruments or collectables.  In some cases, you can also tokenise a small business allowing the business to raise funds for expansion. 

Once the tokenisation process happens, the owner of these assets has entered into the digital assets world. This process is called asset issuance. Issued digital assets are known as tokens. These tokens can be sold to investors interested in owning them. It is also possible to store and trade these tokens fractionally or entirely in a digital asset exchange and transfer the ownership without physically moving the underlying assets.

Tokens can be used for various purposes; crowdfunding, increasing liquidity, or immutable transfer of ownership of digital assets.  

Depending on the blockchain protocol, these tokens can also be traded in the secondary markets for fundraising or liquidity purposes of the tokens. Depending on the jurisdiction, some tokens may fall under the categorisation of a security. Security Token Offerings (STO) include  standard due diligence, including a prospectus, tokenomics or white paper, and other legal processes required for an Initial Public Offering (IPO). STOs also need marketing, roadshows and other activities to generate interest and create demand. 

In recent years, startups have adopted a way to raise funds instead of approaching angel investors or venture capitalists. The same concept can be applied to small and medium businesses to raise capital for expansion.

The blockchain technology proposition is about financial inclusiveness, which is the same premise as tokenisation. The key benefits are: 

1. Transparency and Immutability 

The concept of decentralised Ledger Technology (DLT) ensures that all transactions are recorded, stored and validated.  With the progress of Regtech, tokens can also be monitored to prevent money laundering, financing of terrorism activities or illegal transfers of funds. Institutions globally started to embrace digital assets with the help of Regtech companies that adhere to regulators requirements. The immutability (can't be changed once recorded) nature also ensures that all suspicious transactions can be tracked, recorded and reported to lawmakers.

1. Cost efficiency 

The cost process of pursuing an IPO is being disrupted by tokenisation with a fraction of the cost, allowing untapped capital markets to be accessible to the greater market size.  Blockchain also eliminates the inefficiency of traditional finance by removing the "middle man", which significantly reduces the cost of third-party.  There is also time efficiency because blockchain technology reduces the transaction lead time instead of the traditional finance processes. 

1. Greater access to liquidity and markets 

Blockchain technology operates 24/7, including weekends and public holidays, so that trading can occur anytime. On top of this, it allows participation globally from New Zealand, New Dehli to New York City. Also, the list of tokens can include previously hard to access asset classes, including prime real estate, antiques, jewellery, artworks, private companies, and automobiles.   

1. The concept of Fractionalisation 

You can own 1, 0.5 or 0.00001 tokens depending on your personal risk appetite. The ability for digital assets to be divided also allow partial ownership of asset classes previously reserved for the upper echelon. Also, this attracts a larger pool of participants, contributing to greater liquidity.

With opportunities, it comes with challenges for digital asset tokenisation. 

1. Regulatory concerns 

Regulators worldwide are still trying to understand digital assets as a legitimate asset class, similar to cryptocurrencies. This is encouraging news because regulators' involvement will eventually promote greater control and transparency to protect end-users or investors. Currently, regulators and lawmakers, including The Monetary Authority of Singapore, are actively engaging the industry to ensure a progressive regulatory framework is in place.  Leading financial centres from Hong Kong, Tokyo, Dubai, London, Geneva to New York City are racing to stay ahead. Chintai is in the process of securing our licenses in Singapore.  

1. Attacks or Bad actors 

All technology is not immune to attacks, both external or inside job. To prevent this, regulators are issuing policies and codes of conduct for digital assets and service providers. Technology to avoid compromised digital assets or technology breaches includes highly sophisticated cyber securities solutions, military-grade storage, and solutions to multi-signature authorisation engines, which are now accessible. Chintai platform has a tri-chain approach to counter these threats as well, along with global Regtech partners.