Alchemy Pay, the world’s leading fiat–crypto payment solution provider, has launched a groundbreaking fiat-to-RWA (real-world assets) investment platform that allows global users to directly purchase tokenized U.S. stocks and ETFs with their local fiat currencies. On day one, the platform integrates with xStocks, enabling seamless access to more than 60 tokenized equities—including Apple, Tesla, Circle, Coinbase, and SPY—using familiar payment methods like Visa, Mastercard, Apple Pay, Google Pay, SEPA, and over 50 local options such as mobile wallets and bank transfers, available across 170+ countries.
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This marks the first time investors worldwide can gain direct fiat access to tokenized stocks, removing traditional barriers to entry and opening exposure to Wall Street assets at a fraction of the usual cost. Starting from just $1, users can now buy fractionalized shares of leading companies, with tokens fully backed 1:1 by real stocks held with regulated custodians and brokers. These tokens mirror the benefits of the underlying equities, including dividends and stock splits, providing users with a real-world investment experience in digital form.
To ensure accurate and transparent pricing, Alchemy Pay aggregates institutional-grade data from Backed, Kraken, and licensed U.S. stock data providers. Trading operates 24/5 with robust liquidity supported by execution partners such as Kraken and Backed, ensuring smooth and reliable transactions. Unlike decentralized-only RWA offerings, Alchemy Pay combines fiat integration with regulated compliance, giving investors both accessibility and trust.
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The launch builds on Alchemy Pay’s strategic partnership with Backed, the issuer of xStocks, and aligns with a broader industry alliance that includes Solana, Kraken, Bybit, and Chainlink. Together, this collaboration is creating a full end-to-end ecosystem for tokenized equities, extending the benefits of RWA investing to users who have historically been excluded by traditional brokerage systems.
The timing couldn’t be more relevant. Real-world asset tokenization has surged in 2025, with the market surpassing $23 billion in value in the first half of the year—a 260% increase, according to Binance Research. Clearer regulations, including the U.S. Senate’s passage of the GENIUS Act and updated SEC guidance, have further accelerated adoption among institutions and retail investors. Meanwhile, trading volumes for Backed’s xStocks have already crossed $4 billion across centralized and decentralized exchanges.
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For many in emerging markets, access to global equities has long been hindered by high entry thresholds, currency volatility, and jurisdictional barriers. Alchemy Pay’s new platform changes that by merging localized fiat payment rails with tokenized Wall Street assets—allowing someone in Latin America, Africa, or Southeast Asia to buy shares of Tesla or Circle as easily as making a local bank transfer.
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With this launch, Alchemy Pay is not only expanding beyond its roots as a fiat–crypto payment gateway but also positioning itself as a key infrastructure provider for the future of finance. By linking global fiat liquidity with tokenized assets, the company is building a universal financial access hub—one that reflects the next stage in the evolution of capital markets.
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