Protocol engineering company

Real-world assets deserve real lending markets

Monetary Foundry is a protocol engineering company. We design and build cross-chain lending infrastructure for tokenized real-world assets — risk systems, vaults, and settlement — as distinct projects for the institutions that run them.

Thesis
$15T in private credit is moving on-chain. The lending infrastructure isn't ready.

BlackRock's BUIDL, Apollo's tokenized credit funds, and the explosion of on-chain treasuries prove the thesis: institutional capital wants programmable yield.

But today's RWA lending is fragmented — siloed on single chains, locked into proprietary pools, and missing the composability that makes DeFi work. Morpho proved that modular lending wins. We carry that logic cross-chain and into real-world collateral.

Monetary Foundry builds the settlement layers where tokenized RWAs meet on-chain capital markets — across Ethereum, L2s, and beyond. Each one is its own protocol, shaped for the assets and institutions behind it.

$15T

Global private credit market migrating to digital rails

$12B+

Tokenized RWAs on-chain today, growing 10x annually

7+

Chains with meaningful RWA activity and no unified lending layer

What we build

Modular. Cross-chain. Non-custodial.

The protocols we build separate risk curation from execution — so asset originators, risk managers, and liquidity providers can compose lending markets permissionlessly.

A lending protocol connects tokenized RWA collateral to markets across chainsRWA COLLATERALTokenized TreasuriesPrivate CreditReal Estate / CommoditiesLENDING PROTOCOLRisk EngineVault LayerCross-Chain Settlement (Message Passing)LENDING MARKETSEthereum MainnetArbitrum / BaseOptimism / PolygonNon-EVM (Solana, etc.)Lenders deposit → the protocol matches risk-assessed RWA collateral → yield flows cross-chain
How it works

This is the shape of the systems we build. Collateral, risk, and settlement are designed again for each set of assets, curators, and chains.

01

Collateral Onboarding

Asset originators tokenize RWAs and register them as collateral types on the protocol’s risk engine — permissionlessly, with on-chain attestations.

02

Risk-Curated Vaults

Independent risk curators create lending vaults with specific collateral parameters, LTV ratios, and liquidation logic — separating risk from execution.

03

Cross-Chain Settlement

Lenders deposit from any supported chain. A message-passing layer settles borrow/repay flows across networks without bridging tokens.

Team
Built by Practitioners
Protocol Engineering · Cross-Chain Infrastructure · DeFi Systems

Monetary Foundry is a protocol engineering company. We ship production systems across the full stack — from L1 consensus to cross-chain swaps to smart contract wallets — and we bring that practice to every lending system we take on.

Prior work spans some of the most recognized names in crypto infrastructure:

Rainbow Wallet

Cross-chain and same-chain swap aggregation, staking, DEX routing, and token generation — powering one of Ethereum’s most beloved independent wallets.

Borsa Network

Chain-abstracted DeFi intents and account abstraction on ERC-4337 — enabling gasless, cross-chain execution.

Zero Hash

Crypto-as-a-service infrastructure at a stablecoin unicorn — powering embedded digital asset settlement for fintechs.

Mara

MPC wallet systems and layer-2 EVM blockchain development at a $23M-backed crypto brokerage expanding digital finance across Africa.

e-Money

Core contributions to a Cosmos SDK mainnet layer-1 — a European currency-backed stablecoin issuer.

Tradeline

Enterprise credit applications for maritime trade finance on Hyperledger — bridging traditional credit rails and distributed ledger technology.

Building with us?

We partner with asset originators, risk curators, and protocol teams to design and build lending infrastructure around real-world collateral.

Contact UsSee the work