TokenBank bahasa Indonesia · Treasury AS tokenisasi
Treasury AS tokenisasi mana yang imbal hasilnya paling tinggi?
Ringkasan
Data kami mencatat 34 Treasury AS tokenisasi dengan imbal hasil yang diumumkan. Tertinggi: SAFO (Spiko) sebesar 4.37%. Yang bisa dibeli di bursa terdesentralisasi tanpa KYC: USDY, mTBILL. Imbal hasil berubah mengikuti suku bunga AS.
Treasury AS yang ditokenisasi adalah obligasi jangka pendek pemerintah AS atau unit reksa dana pasar uang yang dicatat sebagai token di blockchain. Imbal hasilnya mengikuti suku bunga jangka pendek AS dan dalam dolar, sehingga investor yang berhitung dalam rupiah menanggung risiko kurs tambahan. Sebagian besar mewajibkan verifikasi identitas (KYC) oleh penerbit, dan penerbitlah yang menentukan siapa yang boleh membeli.
Data per 2026-10-18 · Bukan saran investasi. Penerbit yang menentukan siapa yang boleh membeli. · English
| Token | Penerbit | Imbal hasil | Minimum | Blockchain | Status |
|---|---|---|---|---|---|
| Spiko Dollar (Spiko Amundi Overnight Swap Fund, USD share class) SAFO | Spiko | Interest rate 4.37% net of fees (spiko.io, 16 Oct 2026) date not stated | $1 | Ethereum / Polygon PoS / Arbitrum One (+4) | aktif |
| WisdomTree 3-7 Year Treasury Digital Fund WTTSX | WisdomTree Prime / WisdomTree Connect | SEC 30 Day Yield 4.19%, Distribution Yield 3.67%, Yield to Maturity 4.21% (as of 06/30/2026) date not stated | — | Ethereum / Arbitrum / Avalanche (+5) | aktif |
| Spiko Pound (Spiko Amundi Overnight Swap Fund, GBP share class) GBPSAFO | Spiko | Net yield 4.17% net of fees (spiko.io, 16 Oct 2026) date not stated | £1 | Ethereum / Polygon PoS / Arbitrum One (+4) | aktif |
| Spiko US T-Bills Money Market Fund USTBL | Spiko (SICAV, France) | 4.11% date not stated | €1 (≈$1,000 practical) | Stellar / Ethereum | aktif |
| Grand Duchy of Luxembourg — Luxembourg 3.70% 10-year DLT-native sovereign benchmark bond LU-DLT-BENCH-2036 | Grand Duchy of Luxembourg | 3.7% coupon checked 15 Oct 2026 | — | Issued through LuxCSD on Clearstream's D7 DLT platform; Spuerkeess lead manager | aktif |
| Ondo US Dollar Yield USDY | Ondo Finance | ~3.69% checked 18 Oct 2026 | ~$50 (secondary market) | Ethereum / Solana (+10) | aktif |
| VanEck Treasury Fund Ltd. VBILL | VanEck / Securitize | 7-Day Yield 3.66% net, as of 10/1/2026 date not stated | $100K (Avalanche/BNB/Solana), $1M (Ethereum) | Bnb / Avalanche / Ethereum (+1) | aktif |
| HKSAR Government — Digital Green Bond 2025 (USD 3-year tranche) HKGB-DIGI-2025-USD | HKSAR Government | 3.633% coupon checked 15 Oct 2026 | — | HSBC Orion | aktif |
| BlackRock USD Institutional Digital Liquidity Fund BUIDL | BlackRock / Securitize | ~3.59% checked 25 Aug 2026 · over 30 days old | $5M (institutional) | Ethereum (+8) | aktif |
| Janus Henderson Anemoy Treasury Fund JTRSY | Anemoy / Janus Henderson (Centrifuge) | ~3.59% checked 25 Aug 2026 · over 30 days old | $500,000 (institutional) | Ethereum (+6) | aktif |
| Ondo Short-Term US Government Treasuries OUSG | Ondo Finance | ~3.56% checked 18 Oct 2026 | $5,000 | Ethereum / Solana / Polygon | aktif |
| Spiko UK T-Bills Money Market Fund UKTBL | Spiko | Current net yield 3.56% (net of fees, last 31 days; spiko.io, 16 Oct 2026) date not stated | £1 or €1 | Ethereum / Polygon PoS / Arbitrum One (+4) | aktif |
| WisdomTree Government Money Market Digital Fund WTGXX | WisdomTree | ~3.5% date not stated | Low (app-based) | Stellar / Ethereum (share records) | aktif |
| Short-Term Treasury Bill Token STBT | Matrixdock | 30d Avg. APY after fees 3.50% (matrixdock.com/stbt, 16 Oct 2026) date not stated | — | Ethereum / BNB Chain / Arbitrum | aktif |
| Franklin OnChain US Government Money Fund BENJI | Franklin Templeton | 3.47% date not stated | Low (Benji app) | Stellar / Base / Ethereum | aktif |
| Midas mTBILL mTBILL | Midas | ~3.42% (tracks T-bills) checked 18 Oct 2026 | None | Ethereum (+L2s, Algorand) | aktif |
| OpenEden TBILL TBILL | OpenEden | ~3.37% (T-bill level) checked 18 Oct 2026 | KYC onboarding; verify current minimum | Ethereum / Arbitrum | aktif |
| Superstate Short Duration US Government Securities Fund USTB | Superstate / Invesco | ~3.35% (T-bill level) checked 18 Oct 2026 | Qualified purchasers (high) | Ethereum / Solana | aktif |
| Circle USYC USYC | Circle (Hashnote Intl. Short Duration Yield Fund) | ~3.17% (T-bill level) checked 18 Oct 2026 | Institutional channels | Ethereum / Solana / Canton / Sui | aktif |
| Spiko Euro (Spiko Amundi Overnight Swap Fund, EUR share class) EURSAFO | Spiko | Net yield 2.84% net of fees (spiko.io, 16 Oct 2026) date not stated | €1 | Ethereum / Polygon PoS / Arbitrum One (+4) | aktif |
| HKSAR Government — Digital Green Bond 2025 (EUR 4-year tranche) HKGB-DIGI-2025-EUR | HKSAR Government | 2.512% coupon checked 15 Oct 2026 | — | HSBC Orion | aktif |
| HKSAR Government — Digital Green Bond 2025 (HKD 2-year tranche) HKGB-DIGI-2025-HKD | HKSAR Government | 2.5% coupon checked 15 Oct 2026 | — | HSBC Orion | aktif |
| HKSAR Government — Digital Green Bond 2025 (RMB 5-year tranche) HKGB-DIGI-2025-RMB | HKSAR Government | 1.9% coupon checked 15 Oct 2026 | — | HSBC Orion | aktif |
| Spiko EU T-Bills Money Market Fund EUTBL | Spiko (SICAV, France) | 1.66% date not stated | €1 (≈€1,000 practical) | Stellar / Ethereum / Base | aktif |
| 1.625 St. LU 23-29 CH1232107172 | City of Lugano | 1.625% (register description) checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 1.45 Kt ZH 23-34 CH1306117073 | Canton of Zurich | 1.45% checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 1.415 St. LU 24-34 CH1319968462 | City of Lugano | 1.415% checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 1.3 Bond 23-27 Kt. BS CH1265890678 | Canton of Basel-Stadt | 1.30% (register description; BKB result notice) checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 1.25 St SG 27 CH1331113444 | City of St. Gallen | 1.25% checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 1.0 St. LUG 24-33 CH1392903543 | City of Lugano | 1.00% checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 0.9525 Lug 35 TOK CH1462229902 | City of Lugano | 0.9525% (register description) checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 0.95 St. LUG 26-36 CH1562934682 | City of Lugano | 0.95% (final rate) checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| 0.6125 StLug 32 CH1433241267 | City of Lugano | 0.6125% (final rate) checked 16 Oct 2026 | CHF 5,000 | SDX DLT (private permissioned ledger, SIX Digital Exchange CSD) | aktif |
| Spiko Swiss Franc / 'Spiko Franc' (Spiko Amundi Overnight Swap Fund, CHF share class) CHFSAFO | Spiko | Net yield 0.24% net of fees (spiko.io, 16 Oct 2026) date not stated | CHF 1 | Ethereum / Polygon PoS / Arbitrum One (+4) | aktif |
Pertanyaan umum
Apakah dijamin seperti simpanan bank?
Tidak. Token ini bukan simpanan dan mengandung risiko penerbit, kustodian, dan kontrak pintar.
Bagaimana imbal hasilnya dibayarkan?
Tergantung produk: ada yang harga tokennya naik seiring imbal hasil, ada yang jumlah tokennya bertambah setiap hari (rebase). Rinciannya ada di halaman masing-masing produk.
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