Investors Can Now Buy Tokenized Stocks Directly With Fiat, No Crypto Needed

Alchemy Pay, a global payments and tokenization platform, has launched a fiat-to-Real-World Asset (RWA) gateway that enables users to purchase tokenized U.S. stocks using traditional fiat currencies. This development marks a significant step in bridging the gap between traditional financial systems and the growing decentralized finance (DeFi) ecosystem. The gateway allows investors to tokenize shares of major U.S. equities and instantly convert their fiat holdings into digital assets, expanding accessibility to global markets.

The new feature, which supports major stablecoins and local currencies, eliminates the need for users to first convert fiat into cryptocurrencies before investing in tokenized assets. By streamlining the on-ramp process, Alchemy Pay aims to lower entry barriers for retail and institutional investors who are not yet familiar with cryptocurrency trading. The platform has integrated with multiple fiat gateways to support a wide range of currencies, including USD, EUR, and others.

Tokenization of real-world assets is gaining momentum as a means to fractionalize ownership and increase liquidity in traditionally illiquid markets. Alchemy Pay's solution allows investors to tokenize assets such as stocks and real estate without the complexities of custody or settlement mechanisms. This approach is expected to drive further adoption of tokenized assets by making them more accessible to mainstream investors.

The move aligns with broader industry trends that are increasingly focusing on the convergence of traditional finance and blockchain-based systems. Analysts have noted that tokenized stocks can reduce settlement times, cut costs, and improve transparency for investors. Alchemy Pay's gateway is designed to comply with regulatory frameworks across multiple jurisdictions, ensuring that users can trade tokenized assets with confidence.

In the near term, the platform plans to expand the range of tokenized assets available through the gateway, including bonds and commercial real estate. This strategy reflects the company's long-term vision of transforming how traditional assets are traded and managed in the digital era. As of now, the gateway supports tokenized equities from major U.S. exchanges, with more international markets expected to be added in future updates.