How to buy tokenized treasuries

Buying tokenized U.S. Treasuries means buying blockchain-based tokens that represent shares in short-term U.S. Treasury bills or Treasury-backed money-market funds. The process is similar to opening a brokerage account, but it usually involves a crypto wallet and a regulated tokenization platform.

Here’s the practical process.

What are tokenized Treasuries?

Examples include:

• BlackRock USD Institutional Digital Liquidity Fund (BUIDL)
• Franklin OnChain U.S. Government Money Fund (BENJI)
• Ondo Short-Term U.S. Government Treasuries (OUSG)
• Superstate Short Duration U.S. Government Securities Fund (USTB)

These tokens are backed by actual Treasury securities or Treasury-focused funds held by a regulated custodian. They are not the same as stablecoins.

Step-by-step

1. Check whether the product is available in your country

Since you appear to be in Albania, availability may depend on:

• the issuer’s jurisdiction restrictions,
• whether they accept non-U.S. residents,
• and whether they require accredited/institutional investor status.

Some products are restricted to qualified or accredited investors.

2. Create a crypto wallet

Most tokenized Treasury products use Ethereum-compatible wallets.

Common options:

• MetaMask
• Rabby Wallet
• Coinbase Wallet

You’ll need to securely store the seed phrase offline.

3. Fund the wallet

Typically you deposit:

• USDC (most common),
• USDT, or
• USD via bank transfer if the platform supports fiat onboarding.

You can buy USDC on a regulated exchange such as Coinbase, Kraken, or Binance (if available in your jurisdiction), then withdraw it to your wallet.

4. Complete KYC/AML verification

Regulated Treasury token issuers require:

• passport or national ID,
• proof of address,
• and sometimes tax residency information.

This is the main difference from buying ordinary cryptocurrencies.

5. Purchase the Treasury tokens

For example, with Ondo Finance:

• Connect your wallet on the official Ondo Finance app.
• Complete investor verification if required.
• Deposit USDC.
• Subscribe to OUSG shares.
• Receive the token in your wallet after settlement.

For Franklin Templeton, you generally use the Benji Investments platform rather than a decentralized exchange.

The easiest options for retail investors

Product	Retail access
Franklin OnChain U.S. Government Money Fund (BENJI)	Relatively accessible through Franklin’s app
Ondo Short-Term U.S. Government Treasuries (OUSG)	May require verification; availability varies by country
BlackRock USD Institutional Digital Liquidity Fund (BUIDL)	Primarily institutional / qualified investors
Superstate Short Duration U.S. Government Securities Fund (USTB)	Limited jurisdictional availability

What yield should you expect?

Tokenized Treasury funds usually track short-term U.S. Treasury yields.

As of mid-2026, short-duration Treasury products have generally yielded roughly 4%–5% annually, though this changes with Federal Reserve interest rates.

The yield is usually distributed as:

• additional tokens, or
• a periodic USDC payment.

Important risks

Even though the underlying assets are Treasuries, you still face additional risks:

Smart contract risk

A bug in the token contract or protocol could affect transfers or redemptions.

Custodian / issuer risk

You rely on the fund manager and custodian to properly hold the Treasury assets.

Liquidity risk

Some tokenized Treasury products have limited secondary-market trading volume.

Regulatory risk

Access rules can change depending on your country of residence and the issuer’s compliance policies.

If you are starting from zero

A simple beginner-friendly path would be:

1. Install MetaMask or Rabby

2. Buy about $100 of USDC on Kraken or Coinbase

3. Send the USDC to your wallet on the Ethereum network

4. Visit the official Ondo Finance or Franklin Benji platform

5. Complete identity verification and subscribe to the Treasury fund

A question for you

Are you looking to buy tokenized Treasuries as:

• a retail investor with a few hundred or few thousand euros,
• a larger investment (€10k+), or
• through a company or investment vehicle?

The best platform and whether you can legally access products like OUSG or BENJI from Albania depends on that distinction.