Tokenize your assets ยท Business plan

The agreement is the asset. The ledger is the receipt.

TapCoin Assets turns the rights in a signed document into a token on the blockchain you choose: the XRP Ledger today, Hedera soon. Not a promise, not a picture: a Multi-Purpose Token whose metadata carries the SHA-256 of the exact agreement, issued from your own wallet, sold through the same non-custodial checkout your customers already use.

What people tokenize

Ten kinds of rights, ten editable agreements.

Every asset starts from a plain-language rights agreement. We ship ten templates you can edit, sign and upload. Each one says exactly what a unit gives its holder, and nothing more.

Creators

Music license and access

Stream and download rights to a track or album, backstage access, early releases. The song stays yours; the holder gets the license the agreement describes.

Collectibles

Certificates of authenticity

Prove a painting, a signed jersey or a limited pressing is the real one. The certificate travels with the item and anyone can check it against the ledger.

Community

Memberships and passes

Founder passes, gym and club memberships, course access, season tickets. Transferable or not, redeemable or not; you decide in the manifest.

Events

Event access

Tickets that cannot be counterfeited and can be checked at the door against the ledger. Optional resale rules.

Property

Occupancy and usage rights

Time-boxed usage of a studio, a room, a vehicle, a piece of equipment. Real estate ownership itself stays off the table until the legal wrapper exists.

Services

Prepaid service credits

Hours of consulting, sessions, seats. Redeem a unit, the issuer claws it back, the ledger shows it was used.

Templates: Access pass, Content license, Certificate of authenticity, Deposit or reservation, Warranty and service, Retirable credit, Store credit and loyalty, Titled asset record, Receivable claim, Occupancy term license. Edit them to fit your deal.

How it works

Five steps, every one signed by you, none of them by us.

1

Connect a wallet

Prove you hold the issuer wallet with one tap in Xaman. TapCoin Pay records the address, never the key.

2

Upload the paperwork

Agreement, photos, appraisal. Each file is hashed and versioned. Nothing is ever overwritten.

3

Publish the rights manifest

Transferable? Redeemable? Approved wallets only? Publishing freezes the manifest and binds it to the exact bytes of the agreement.

4

Issue the token

An XLS-33 Multi-Purpose Token with XLS-89 metadata carrying the manifest hash. You sign the issuance in Xaman.

5

Sell and deliver

Buyers pay through your checkout in XRP or RLUSD. You deliver units from your wallet. Holders verify at /verify.

Choose your chain

Pick where your asset lives.

Same agreements, same steps, same checkout. You choose the blockchain when you issue.

XRP Ledger

Live

Live today. Built for payments, with tokens and document records built in.

Token
Multi-Purpose Token
Wallet
Xaman
Fees
Fractions of a cent
Settles in
3 to 5 seconds
Public record
XRPL explorers

Hedera

Coming soon

Fixed, predictable fees and a public timestamped record of every document.

Token
Hedera Token Service
Wallet
HashPack
Fees
Fixed, fractions of a cent
Settles in
3 to 5 seconds
Public record
HashScan
What makes it trustworthy

Anyone can check the paperwork against the chain.

  • The token's on-ledger metadata includes the SHA-256 of the published rights manifest, which includes the SHA-256 of the signed agreement.
  • Drop any file on tapcoinpay.com/verify. Your browser hashes it locally and we tell you which asset, which version, and when. The file is never uploaded.
  • Every ledger action is prepared unsigned by TapCoin Pay and confirmed from the ledger by transaction hash. A foreign or altered transaction is rejected.
  • Delivery is tied to payment: the order moves to delivered only when the ledger shows the units in the buyer's wallet. Undelivered after 48 hours becomes a refund.
  • Redeemable assets use XRPL clawback, signed by the issuer, so a used unit visibly leaves the holder's wallet.
What it is not

Plain limits, stated up front.

  • Not a marketplace. There is no public listing or search. You share the explorer link with the people you choose.
  • Not custody. TapCoin Pay never holds a key, a token or a coin. Issuance, transfer, delivery and clawback are all signed in your wallet.
  • Not a security by default. A TapCoin asset token is a record of the rights in its agreement. Selling equity, debt or profit rights may be regulated where you are; get advice before you do.
  • Not mainnet on day one. New issuers start on XRPL Testnet. Mainnet issuance is switched on per organization after review.
TapCoin Pay is software. It is not a broker, exchange, transfer agent or law firm. Issuers are responsible for the content and legality of what they sell in their jurisdiction.
Xaman everywhere

Connect, sign, pay and log in with the wallet you already have.

Every action a wallet has to take shows up as a request in Xaman: prove the issuer wallet, issue the token, authorize a holder, deliver units, claw back a redeemed unit. Buyers can pay any TapCoin checkout with one tap, and merchants can sign in to the dashboard with their wallet instead of a password.

Developers

Same API style as checkouts. Everything is a pending action.

POST /api/assets creates the record, /documents takes uploads, /rights publishes the manifest, /token/issue and /transfer return unsigned transactions for the wallet to sign, and /pending/:id/complete confirms them from the ledger. Public: /api/public/assets/:ref and POST /api/verify.

Tokens are use rights, not investments. A token made with TapCoin Assets represents only the rights written in its agreement: access, a license, a warranty, a credit, a record of title and the like. It is not a share, a loan or a promise of profit, and TapCoin Pay makes no promise that it will be worth more later. Tokens can be bought and sold, so their market value can go up or down; that risk belongs to the holder. The issuer, not TapCoin Pay, is responsible for the token and for following the law wherever it is offered. See the Terms.

Put your first agreement on the ledger this week.

Business plan. Testnet first, mainnet on request. Templates included.

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