TokenBank 한국어 · KYC 없음
KYC 없이 개인 지갑으로 살 수 있는 RWA 토큰은 무엇인가요?
요약
저희 데이터에는 2차 시장에서 KYC 없이 거래되는 실물자산·수익형 토큰이 64개 있습니다. 수익률이 가장 높은 것은 Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10)의 18.63%입니다. 발행사에 직접 상환할 때는 KYC가 필요할 수 있습니다.
많은 실물자산 토큰은 발행 단계에서 신원 확인을 요구하지만, 일부는 발행 후 탈중앙화 거래소에서 누구나 거래할 수 있습니다. 이 목록은 2차 시장에서 KYC가 필요 없다고 확인된 토큰입니다. KYC가 없다는 것이 거주 국가에서 합법이라는 뜻은 아니므로 현지 규정을 확인해야 합니다.
데이터 기준일 2026-10-18 · 투자 조언이 아닙니다. 누가 살 수 있는지는 발행사가 정합니다. · English
총 64개 중 50개 표시 · 전체 목록은 오픈 API에서 받을 수 있습니다
| 종목 | 발행사 | 수익률 | 최소 투자금 | 블록체인 | 상태 |
|---|---|---|---|---|---|
| Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum DL-PENDLEV2-REUSDE-ETHEREUM-2C9D | Pendle (protocol) | 18.63% (fixed to 2026-12-10, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-sUSDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum DL-PENDLEV2-SUSDX-ETHEREUM-23A7 | Pendle (protocol) | 18.59% (fixed to 2026-12-03, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-apyUSD-05NOV2026 (fixed rate to 2026-11-05) on Ethereum DL-PENDLEV2-APYUSD-ETHEREUM-9FE3 | Pendle (protocol) | 15.71% (fixed to 2026-11-05, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-USD3-17DEC2026 (fixed rate to 2026-12-17) on Ethereum DL-PENDLEV2-USD3-ETHEREUM-B649 | Pendle (protocol) | 15.08% (fixed to 2026-12-17, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-USDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum DL-PENDLEV2-USDX-ETHEREUM-B0B3 | Pendle (protocol) | 13.44% (fixed to 2026-12-03, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-siUSD-22OCT2026 (fixed rate to 2026-10-22) on Ethereum DL-PENDLEV2-SIUSD-ETHEREUM-28C5 | Pendle (protocol) | 13.08% (fixed to 2026-10-22, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-reUSD-10DEC2026 (fixed rate to 2026-12-10) on Ethereum DL-PENDLEV2-REUSD-ETHEREUM-7ABA | Pendle (protocol) | 12.03% (fixed to 2026-12-10, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-SIERRA-22OCT2026 (fixed rate to 2026-10-22) on Ethereum DL-PENDLEV2-SIERRA-ETHEREUM-B01F | Pendle (protocol) | 11.58% (fixed to 2026-10-22, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-strUSD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-STRUSD-ETHEREUM-5768 | Pendle (protocol) | 11.5% (fixed to 2026-11-26, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-siUSD-07JAN2027 (fixed rate to 2027-01-07) on Ethereum DL-PENDLEV2-SIUSD-ETHEREUM-0757 | Pendle (protocol) | 10.24% (fixed to 2027-01-07, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-sUSDai-25FEB2027 (fixed rate to 2027-02-25) on Arbitrum DL-PENDLEV2-SUSDAI-ARBITRUM-B44D | Pendle (protocol) | 8.89% (fixed to 2027-02-25, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Arbitrum | 운용 중 |
| Pendle — PT-USDat-14JAN2027 (fixed rate to 2027-01-14) on Ethereum DL-PENDLEV2-USDAT-ETHEREUM-C359 | Pendle (protocol) | 8.08% (fixed to 2027-01-14, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-mAPOLLO-18MAR2027 (fixed rate to 2027-03-18) on Ethereum DL-PENDLEV2-MAPOLLO-ETHEREUM-43FB | Pendle (protocol) | 7.03% (fixed to 2027-03-18, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| usd.ai (staked) sUSDai | usd.ai | ~6.24% (variable) checked 18 Oct 2026 | None | Arbitrum | 운용 중 |
| Pendle — PT-srUSDe-22OCT2026 (fixed rate to 2026-10-22) on Ethereum DL-PENDLEV2-SRUSDE-ETHEREUM-1CE7 | Pendle (protocol) | 5.58% (fixed to 2026-10-22, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-sUSDD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-SUSDD-ETHEREUM-714F | Pendle (protocol) | 5.46% (fixed to 2026-11-26, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-AUSD-17DEC2026 (fixed rate to 2026-12-17) on Monad DL-PENDLEV2-AUSD-MONAD-653D | Pendle (protocol) | 5.33% (fixed to 2026-12-17, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Monad | 운용 중 |
| Maple Syrup USDC syrupUSDC | Maple Finance | ~5.14% checked 18 Oct 2026 | None | Ethereum / Solana / Base | 운용 중 |
| Pendle — PT-sUSDS-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-SUSDS-ETHEREUM-0A3E | Pendle (protocol) | 5.1% (fixed to 2026-11-26, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Pendle — PT-sUSDe-22OCT2026 (fixed rate to 2026-10-22) on Monad DL-PENDLEV2-SUSDE-MONAD-7985 | Pendle (protocol) | 5.05% (fixed to 2026-10-22, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Monad | 운용 중 |
| Pendle — PT-sUSDe-22OCT2026 (fixed rate to 2026-10-22) on Plasma DL-PENDLEV2-SUSDE-PLASMA-194E | Pendle (protocol) | 5.03% (fixed to 2026-10-22, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Plasma | 운용 중 |
| Pendle — PT-sUSDe-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-SUSDE-ETHEREUM-FC9A | Pendle (protocol) | 4.9% (fixed to 2026-11-26, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Jito Staked SOL jitoSOL | Jito | ~4.78% (in SOL, incl. MEV) checked 18 Oct 2026 | None | Solana | 운용 중 |
| Usual USD0++ USD0++ | Usual | ~4.78% (T-bill base + USUAL rewards) checked 18 Oct 2026 | None | Ethereum | 운용 중 |
| Ethena Staked USDe sUSDe | Ethena Labs | ~4.71% (variable) checked 18 Oct 2026 | None | Ethereum (+L2) | 운용 중 |
| Marinade Staked SOL mSOL | Marinade | ~4.6% (in SOL) checked 18 Oct 2026 | None | Solana | 운용 중 |
| Falcon USDf (staked) sUSDf | Falcon Finance | ~4.58% (variable) checked 18 Oct 2026 | None | Ethereum | 운용 중 |
| Jupiter Lend (USDC) JUP-LEND | Jupiter (protocol) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | Solana | 운용 중 |
| JustLend USDD (Tron) USDD-JL | JustLend DAO (Tron) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | Tron | 운용 중 |
| Morpho Vaults (USDC) MORPHO | Morpho (vaults by curators) | ~4-8% (variable, per vault) date not stated | None | Ethereum / Base (+) | 운용 중 |
| Noble Dollar USDN | Noble | ~4% (T-bill based) date not stated | None | Cosmos (Noble) / IBC | 운용 중 |
| Staked Frax USD sfrxUSD | Frax Finance | ~4.9% (~4-5%) checked 18 Oct 2026 | None | Ethereum / Fraxtal | 운용 중 |
| Sky Savings Token sUSDS | Sky (MakerDAO) | ~3.8% checked 18 Oct 2026 | None | Ethereum (+Solana, Base) | 운용 중 |
| Aave USDC Lending AAVE-USDC | Aave (protocol) | ~3.76% (variable) checked 18 Oct 2026 | None | Ethereum (+many L2s) | 운용 중 |
| Ondo US Dollar Yield USDY | Ondo Finance | ~3.69% checked 18 Oct 2026 | ~$50 (secondary market) | Ethereum / Solana (+10) | 운용 중 |
| Spark Savings SPARK | Spark (Sky ecosystem) | ~3.6% (variable) checked 23 Jul 2026 · over 30 days old | None | Ethereum / Arbitrum / Base | 운용 중 |
| Midas mTBILL mTBILL | Midas | ~3.42% (tracks T-bills) checked 18 Oct 2026 | None | Ethereum (+L2s, Algorand) | 운용 중 |
| Centrifuge RWA Vaults CENTRIFUGE | Centrifuge (vaults per manager) | ~3-6% (per vault, variable) checked 23 Jul 2026 · over 30 days old | None | Ethereum / Avalanche (+) | 운용 중 |
| ether.fi Staked ETH weETH | ether.fi | ~2.27% (in ETH + restaking) checked 18 Oct 2026 | None | Ethereum (+L2s) | 운용 중 |
| Lido Staked ETH stETH | Lido DAO | ~2.2% (in ETH) checked 18 Oct 2026 | None (any amount of ETH) | Ethereum (+L2s) | 운용 중 |
| Pendle — PT-wstETH-30DEC2027 (fixed rate to 2027-12-30) on Ethereum DL-PENDLEV2-WSTETH-ETHEREUM-97F2 | Pendle (protocol) | 2.14% (fixed to 2027-12-30, DefiLlama 2026-10-16) checked 16 Oct 2026 | None | Ethereum | 운용 중 |
| Rocket Pool Staked ETH rETH | Rocket Pool | ~1.98% (in ETH) checked 18 Oct 2026 | From ~0.01 ETH | Ethereum (+L2s) | 운용 중 |
| Savings DAI sDAI | Sky (MakerDAO) | ~1.25% checked 18 Oct 2026 | None | Ethereum (+Gnosis, L2) | 운용 중 |
| Curve Savings crvUSD scrvUSD | Curve Finance | ~0.71% (variable) checked 18 Oct 2026 | None | Ethereum | 운용 중 |
| Backed S&P 500 (bCSPX) bCSPX | Backed Finance | — | Fractional | Ethereum / Base (+) | 운용 중 |
| Level lvlUSD lvlUSD | Level (Peregrine) | — | None | Ethereum | 운용 중 |
| Mountain Protocol USDM USDM | Mountain Protocol | — | None | Ethereum (+L2s) | 만기·종료 |
| Resolv USR USR | Resolv Labs | — | None | Ethereum / Base | 만기·종료 |
| VNX Gold VNXAU | VNX (Liechtenstein) | — | Fractional (~1g equivalent) | Ethereum / Polygon / Solana (+) | 운용 중 |
| Backed $ ZPR1 1-3 Month T-Bill bZPR1 | Backed Finance | — | — | Ethereum / Base (+6) | 운용 중 |
자주 묻는 질문
KYC 없이 사면 상환도 가능한가요?
항상 그렇지는 않습니다. 발행사에 직접 상환하려면 신원 확인이 필요한 경우가 많아, 이런 토큰은 보통 거래소에서 다시 팔아 현금화합니다.
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