Private credit
Fractional real estate
Infrastructure
Treasury yield
Real Assets. Real Status. In Real Time.
OUR BELIEF
Why we built this.
Wealth is not luck. It is a portfolio, constructed deliberately, aligned to your life, and managed through every market cycle.
Anyone can build long-term wealth if they can construct a diversified portfolio of real assets, informed by their forecasted income, their life goals, and their obligations. This is not a theory. It is what every large endowment, family office, and institution does, every day.
The problem was access. The Big Guys, Goldman Sachs, BlackRock, Blackstone, have always had access to private credit, real estate senior loans, infrastructure debt, and global alternative assets. You did not. The minimums were in the millions. The networks were closed. The products were designed for institutions, not people.
We founded AndX to close that gap. Not by creating cheaper, lower-quality versions of institutional products. By bringing the actual products, with the same underwriting standards, the same structural protections, and the same governance, to anyone with $100 and a phone.
You can own $100 of a pre-development land parcel in Manila. You can own a piece of a beachfront resort in the Dominican Republic. You can own senior debt secured against 120 homes in Massachusetts. You can own a fraction of a cultural heritage collection. All from the palm of your hand. All underwritten to institutional standards. All with a defined way in, and a defined way out.

WHAT WE ARE – AND WHAT WE ARE NOT
THEIR PITCH
Meme tokens, pump-and-dump, "double your money in a week."
Get-rich-quick hype. "Utility" tokens with no underlying asset.
Tokenization for its own sake: digital wrappers on nothing.
Presumed value. Paper liquidity. Promises with no structural protection.
OUR PROOF
Assets that produce real income; every one clears an institutional underwriting filter.
Credit enhancement built in: collateral, preferred returns, seniority in the stack.
Governance you can read: voting rights, reporting, enforceable protections on-chain.
Liquidity by design: listed on regulated exchanges, with a defined exit.
ASSET UNIVERSE

TOKENIZATION SPOTLIGHT
Project Manila One
The Manila One Token is a land tokenization initiative in Metro Manila, Philippines, designed to raise $100 million for the site-improvement of the Rizal de Manila Development, one of the city’s last, large contiguous undeveloped properties.
INSTITUTIONAL UNDERWRITING
1.8x
Minimum collateral coverage
Every secured token maintains asset collateral of at least 1.8× outstanding token value, a cushion that absorbs volatility before principal is at risk.
3x
Independent Appraisal Standard
Real estate and hard-asset tokens require three independent appraisals from recognized firms (Santos Knight Frank, JLL, Cuervo) before issuance. Not one opinion. Three.
24%
Contractual Preferred Returns
Where a preferred return is structured, it is contractual and senior: token holders paid before the sponsor, non-payment an enforceable event of default. A floor, not a target.
100%
Selective By Design
We pass on most assets presented to us. Quality origination is the most important thing we do.
WHO WE ARE

Goldman Sachs

Rabobank

Merrill Lynch
Broadpoint Capital
Licensed securities principals (FINRA/SEC)
Wharton MBA
IIT Karagpur
LIQUIDITY BY DESIGN
OPTION 01
Exchange liquidity
Tokens list on AndX's regulated exchanges, the same venue serving 50-state crypto trading. GSR provides committed two-sided market-making. Buy and sell like any asset, any day.
OPTION 02
Redemption windows
Semi-annual redemption at NAV, governed by the offering's smart contract. Queue-managed, defined, and disclosed upfront.
OPTION 03
Maturity / event of default
Every offering has a maturity date or defined enforcement. Non-payment of a preferred return constitutes an event of default, not a disappointment.
A DIFFERENT WAY TO SEND MONEY HOME
If you send money home every month, you're drawing down your savings. There's another way: invest your principal in an income-producing token, and send the monthly income instead. Your principal stays intact and keeps compounding, and your family still receives support, every month.
ILLUSTRATIVE EXAMPLE
Principal invested in token
$10,000
Annual yield (illustrative)
10% p.a.
Monthly income distribution
~$83 / month
Monthly remittance sent
$83
Principal depleted
$0
Principal after 12 months
$10,000 ✓
GLOBAL DISTRIBUTION
United States
All 50 States
Full institutional access. Accredited and retail investors. Reg D, Reg S, and Reg CF offerings. MARV Capital (FINRA registered, CRD 104390) as placement agent.
Turkey
Bitexen Exchange
With Turkish inflation persistently elevated, USD-denominated tokens representing real estate senior loans and private credit offer a genuine store-of-value and yield alternative to TRY deposits. Our Turkish investors understand this intuitively.
Philippines
Active Distribution
With $17B+ in remittances annually, the Philippines exchange gives local investors direct access to ManilaOne and other AsiaREIT opportunities. Our payments corridor turns income distributions into instant remittances.
Latin America
Brazil, Mexico, Argentina
AndX Pay is live for South American remittances. Our Brazil exchange is operational. In high-inflation LatAm markets, dollar-denominated income assets are not an investment. They are monetary protection.
REGULATORY COMPLIANCE
Regulated custody
BitGo Trust Company: OCC-chartered National Trust Bank, NYDFS Trust Charter. Bankruptcy-remote accounts; $250M cold-storage insurance.*

Registered broker-dealer
MARV Capital Inc. facilitates US securities offerings. CRD 104390 / SEC 8-52855; verify on FINRA BrokerCheck.

FinCEN-registered
ANDX USA LLC: registered MSB (Reg. 31000316280690), 50-state coverage.

On-chain enforcement
ERC-3643 security tokens: KYC/AML whitelisting and transfer restrictions enforced at the contract level.
*Insurance coverage for BitGo. Subject to terms, conditions, and exclusions. Covers custody, not investment losses.
HOW IT WORKS






