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    CALCULATORiQ™

    RWA Yield Calculator

    Compare yields from tokenized real world assets versus traditional fixed income. Calculate net returns after platform fees, gas costs, and lockup periods.

    Tokenized Treasuries
    Private Credit
    Traditional Bonds

    Investment Details

    Yield Comparison

    Net returns after all fees over 12 months

    Ondo USDY

    Ondo Finance

    Tokenized
    Gross APY4.75%
    Platform Fee-0.35%
    Gas Costs (Entry+Exit)-$20
    Net APY4.20%
    Net Earnings$420.00
    Total Value$10420.00

    US Treasury Bills (Direct)

    US Treasury

    Traditional
    Gross APY4.5%
    Platform Fee-0%
    Gas Costs (Entry+Exit)-$0
    Net APY4.50%
    Net Earnings$450.00
    Total Value$10450.00
    30 day lockup period

    Ondo USDY vs US Treasury Bills (Direct)

    -30.00 USD

    over 12 months on $10,000 investment

    All RWA Platforms Comparison

    Compare all tokenized and traditional yield products side by side

    PlatformTypeGross APYFeesNet APY*Min InvestmentLockup

    BlackRock BUIDL

    BlackRock

    T-Bills
    		4.85%0.5%4.05%$100,000None

    Ondo USDY

    Ondo Finance

    T-Bills
    		4.75%0.35%4.20%$500None

    Mountain USDM

    Mountain Protocol

    T-Bills
    		4.65%0.3%4.19%$100None

    Backed bIB01

    Backed Finance

    T-Bills
    		4.55%0.4%3.91%$1,000None

    OpenEden TBILL

    OpenEden

    T-Bills
    		4.7%0.25%4.25%$500None

    Maple Finance

    Maple

    Credit
    		8.5%1%7.20%$1,00090d

    Centrifuge

    Centrifuge

    Credit
    		7.25%0.75%6.30%$50030d

    US Treasury Bills (Direct)

    US Treasury

    TradFi
    		4.5%0%4.50%$1,00030d

    Money Market Fund (Fidelity)

    Fidelity

    TradFi
    		4.45%0.42%4.03%$1None

    *Net APY calculated for $10,000 over 12 months, including platform fees and estimated gas costs.

    What are Tokenized RWAs?

    Real World Assets (RWAs) are traditional assets like treasury bills, bonds, real estate, or private credit that have been tokenized on blockchain networks.

    Tokenization enables 24/7 trading, fractional ownership, instant settlement, and global access to traditionally exclusive investment products.

    Learn more about RWA investing →

    Important Considerations

    • • APY rates are variable and subject to change based on underlying treasury yields
    • • Gas costs vary by network congestion and blockchain used
    • • Regulatory status varies by jurisdiction - verify eligibility
    • • Smart contract risk exists for all tokenized products
    • • This calculator is for educational purposes only - not financial advice