Real-World Assets · Alternatives
The best Zivoe alternatives in 2026
Zivoe is a KYC-gated private credit protocol giving verified stablecoin holders tokenized exposure to consumer and private lending strategies through vaults. If Zivoe is not the right fit, these 12 reviewed Real-World Assets options are the closest matches, ranked by DappsAtlas score. Read our full Zivoe review
At a glance
Zivoe vs the alternatives
| dApp | Score | TVL | Chains |
|---|---|---|---|
| Score 6.3 out of 10 | $3.04K | 11 | |
| Score 7.4 out of 10 | $246M | 3 | |
| Score 7.0 out of 10 | $158M | 1 | |
| Score 6.5 out of 10 | $198M | 2 | |
| Score 7.4 out of 10 | $42.4M | 5 | |
| Score 6.5 out of 10 | $14.1M | 1 | |
| Score 6.5 out of 10 | $34.7M | 14 | |
| Score 8.0 out of 10 | — | — | |
| Score 7.8 out of 10 | — | — | |
| Score 7.6 out of 10 | — | — | |
| Score 7.4 out of 10 | — | 6 | |
| Score 7.4 out of 10 | — | 1 | |
| Score 7.4 out of 10 | — | 2 |
Ranked
Top Zivoe alternatives
- 1
OpenTrade
Real-World Assets · Avalanche, Ethereum, Plume
OpenTrade is stablecoin yield infrastructure that lets fintechs and digital asset platforms offer real-world-asset-backed yield products. It targets businesses first, and its main strength is a legal and operational wrapper around RWA yield.
ScoreScore 7.4 out of 10TVL $246M−0.3% - 2
USD AI
Real-World Assets · Arbitrum
USD.AI is an Arbitrum-based protocol that funds GPU loans for AI compute operators and offers a yield-bearing synthetic dollar, USDai, backed by those real-world assets. Its yield depends on GPU credit performance, and its TVL dropped sharply in the latest week.
ScoreScore 7.0 out of 10TVL $158M−41.9% - 3
R25
Real-World Assets · Pharos, Sui
R25 is vault infrastructure that lets curators run RWA, staking, and DeFi yield strategies on Pharos and Sui, with about $196.6M deposited. The scale is notable, but the track record is short and fee details are not published.
ScoreScore 6.5 out of 10TVL $198M+0.3% - 4
Brickken
Real-World Assets · BNB Chain, Ethereum, Base +2
Brickken is a tokenization platform that lets companies issue and manage tokens backed by real-world assets, with built-in KYC/KYB and compliance tools. It targets institutions and issuers, not casual DeFi users.
ScoreScore 7.4 out of 10TVL $42.4M+0.0% - 5
Paimon
Real-World Assets · BNB Chain
Paimon is a BNB Chain protocol that tokenizes private credit and pre-IPO equity exposure. Its main draw is low-minimum access to assets normally closed to retail, and the main caveat is that returns and redemptions depend on off-chain structures.
ScoreScore 6.5 out of 10TVL $14.1M+0.1% - 6
KAIO
Real-World Assets · Sei, Immutablezkevm, Aptos +11
KAIO, formerly Libre Capital, tokenises institutional funds from managers such as BlackRock and Brevan Howard and makes them usable across many chains. Access is restricted to onboarded accredited and institutional investors, so it is not a general retail product.
ScoreScore 6.5 out of 10TVL $34.7M−10.4% - 7
Spiko
Real-World Assets
Spiko is a Paris-based, regulated platform that offers tokenized and traditional money market funds on T-bills, plus cash accounts in several currencies. It is aimed at companies and individuals who want daily yield on treasury cash.
ScoreScore 8.0 out of 10TVL — - 8
BlackRock BUIDL
Real-World Assets
BlackRock BUIDL is a tokenized money-market-style fund holding short-term U.S. Treasuries, repurchase agreements and cash, issued onchain through Securitize. It suits institutions that want dollar yield with onchain settlement, not retail DeFi users.
ScoreScore 7.8 out of 10TVL — - 9
Dinari
Real-World Assets
Dinari issues dShares, tokens backed 1:1 by US stocks and ETFs held in a custodial brokerage account, and distributes them through partner apps and an API. It suits compliance-minded platforms and eligible investors who want regulated tokenized equities.
ScoreScore 7.6 out of 10TVL — - 10
VNX
Real-World Assets · Ethereum, Polygon, Solana +3
VNX issues fully backed Swiss franc and British pound stablecoins and a tokenized gold product under a Bermuda Monetary Authority licence. It suits users who want non-USD or physical-metal exposure onchain, with fee details left to the platform.
ScoreScore 7.4 out of 10TVL — - 11
Paxos Gold
Real-World Assets · Ethereum
Pax Gold (PAXG) is an Ethereum token that represents one fine troy ounce of LBMA-standard gold held in London vaults by Paxos Trust Company. It suits people who want gold exposure on-chain, with the main caveat being reliance on a single regulated custodian.
ScoreScore 7.4 out of 10TVL — - 12
Ondo Global Markets
Real-World Assets · Solana, Robinhood Chain
Ondo Global Markets issues tokenized U.S. stocks and ETFs that non-US users can hold and move onchain. It has grown quickly, but it carries issuer, custody and regulatory risks that holders should understand.
ScoreScore 7.4 out of 10TVL —