SmartGold has partnered with Chintai Nexus to allow U.S. investors to tokenize their gold holdings held in Individual Retirement Accounts (IRAs) and earn yield in decentralized finance (DeFi) protocols. This innovative structure enables the conversion of $1.6 billion in IRA-held gold into a 1:1 tokenized asset on Chintai’s regulated platform, which can be utilized as collateral in DeFi lending markets like Morpho and Kamino. Investors can unlock liquidity, reinvesting it while their gold remains vaulted and insured, all while maintaining the tax-deferred status of their retirement accounts. This solution addresses a long-standing dilemma where gold’s stability did not generate income for retirement savers, as IRS regulations historically discouraged combining physical gold with yield-generating strategies. SmartGold's initiative is noted as one of the largest deployments of tokenized gold, highlighting the growing trend of tokenizing real-world assets such as commodities and equities.

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