Alchemy Pay, a leading fiat-crypto payment solution provider, has introduced its fiat-to-RWA investment platform integrated with Backed's xStocks, allowing global users to buy tokenized U.S. stocks and ETFs using local fiat currencies. Supporting over 60 tokenized equities like Apple, Tesla, Circle, Coinbase, and SPY, the platform accepts payments via Visa, Mastercard, Apple Pay, Google Pay, SEPA, and more than 50 local methods including mobile wallets and bank transfers across 170+ countries.
This platform offers the first globally accessible direct fiat entry to tokenized assets, providing exposure to U.S. equities without traditional barriers. Integrated with Backed's xStocks, the tokens are fully backed 1:1 by actual shares held by regulated custodians and brokers, including benefits like dividends and stock splits. Starting at just $1, users achieve fractional ownership of premier assets, democratizing investment opportunities.
For accurate pricing, Alchemy Pay sources real-time data from institutional providers such as Backed, Kraken, and licensed U.S. stock feeds. Its infrastructure ensures 24/5 trading with reliable liquidity and uptime through partners like Kraken and Backed.
Unlike purely decentralized RWA platforms, Alchemy Pay delivers superior market reliability, liquidity, and regulatory compliance. The fiat integration eliminates the need for crypto onramps, streamlining access for a broader audience.
The launch builds on Alchemy Pay's recent partnership with Backed and xStocks integration, merging fiat onramp expertise with regulated token issuance for an end-to-end solution. As part of the xStocks alliance with Solana, Kraken, Bybit, and Chainlink, Alchemy Pay extends tokenized equities to users outside conventional finance systems.
Backed's xStocks have achieved over $4 billion in combined CEX and DEX trading volume. This collaboration positions Alchemy Pay as a key enabler in the tokenization ecosystem.
The platform arrives during explosive growth in real-world asset tokenization, with the RWA market expanding over 260% in the first half of 2025 to exceed $23 billion, per Binance Research. Regulatory advancements, including the U.S. Senate's passage of the GENIUS Act and updated SEC guidance, have fueled institutional and retail adoption of blockchain financial products. Platforms like Robinhood and Kraken have broadened tokenized stock offerings, affirming the sector's momentum.
Historically, high thresholds and jurisdictional hurdles in traditional brokerages have sidelined investors, especially in emerging markets. Alchemy Pay bridges this divide by linking tokenization with localized fiat support, enabling purchases of assets like Circle or Tesla via regional rails—a pioneering feature.
Evolving from its fiat-crypto gateway origins, Alchemy Pay is advancing toward a comprehensive digital asset infrastructure hub. As tokenization reshapes capital markets, this fiat-integrated RWA platform connects global liquidity to tokenized Wall Street, enhancing financial inclusion.
Founded in 2017, Alchemy Pay is a payment gateway that seamlessly connects crypto with traditional fiat currencies for businesses, developers, and end users. With its offerings including On & Off-Ramp, Web3 Digital Bank, NFT Checkout and its newly launched RWA platform, Alchemy Pay supports fiat payments in 173 countries.
The Ramp is a one-stop solution to buy and sell crypto and fiat, easily integrated by platforms and dApps according to requirements. The RWA platform allows global users to invest in tokenized real-world assets using local fiat currencies, lowering entry barriers and democratizing access to traditional financial instruments. Our Web3 Digital Bank supports Web3 enterprises by providing multi-fiat accounts and instant fiat-crypto conversion capabilities. Additionally, the NFT Checkout enables direct purchases of NFTs using fiat payment methods. ACH is the Alchemy Pay network token on the Ethereum blockchain.
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