For Wealth Platforms

Your HNI clients want India credit exposure. You can't offer it onchain today.

India's performing credit market delivers 12–16% gross INR yields — among the highest risk-adjusted spreads globally. aarnâ IYP provides the infrastructure to offer it as a USD-denominated, tokenised, $25K-minimum product on your shelf.

What IYP provides to distribution partners

White-label distribution

ICT on your product shelf, branded to your client experience. Your relationship managers present it. Your clients subscribe through your flow. aarnâ handles issuance, compliance, custody, and AIF operations.

API integration

REST API with OpenAPI spec. Onboard investors, initiate subscriptions, query holdings, request redemptions — all programmatically. Your existing platform talks to ours.

Commercial model built for scale

Distribution fee on AUM sourced. No platform fee charged to wealth partners. Economics align as your book grows.

Technical integration

Authentication

API key + HMAC signature. Issued per partner. Key management, rotation, and revocation via partner portal.

Client KYC

Initiate Sumsub KYC on behalf of your client via API. ONCHAINID issued upon verification. All compliance claims bound to client wallet.

Subscription

POST /subscriptions with client attribution. Subscription tracked to your partner book for fee accounting.

Holdings & NAV

GET /holdings/:investorId returns current ICT position, latest quarterly NAV, distribution history.

Redemption

POST /redemptions on behalf of client. Queued for next periodic window. Status tracked via webhook.

POST /subscriptions
Authorization: HMAC-SHA256
{
  "investor_id": "...",
  "amount_usdc": 50000,
  "partner_attribution": "[partner-id]"
}

Commercial terms

Distribution fee

Competitive — aligned with standard AIF distribution economics. Structured as upfront + trail on AUM sourced.

Platform fee to partner

None. Zero cost to list ICT on your shelf.

Minimum commitment

No minimum AUM commitment from partner. Performance-based.

SLA

99.5% API uptime. KYC turnaround <24h (Sumsub). Subscription confirmation within AIF settlement cycle.

Reporting

Monthly partner dashboard: clients introduced, AUM sourced, distributions paid, fees earned.

Terms are bilateral and negotiable. White-label feeder arrangements available for partners exceeding $10M sourced AUM.

48h

To sandbox access

REST

OpenAPI 3.0 spec

Webhooks

Event architecture

Your engineering team receives sandbox credentials, OpenAPI spec, and sample integrations within 48 hours of partnership agreement. No blockchain expertise required on your side — the API abstracts all on-chain operations.

ICT is the first product on aarnâ IYP. The pipeline includes India Bond Token (rated corporates), India Sovereign Token (GOI securities), and a tokenised India index. Early distribution partners get first access to the full shelf as it ships.

IFSCA sandbox Phase 2 approved. Full FME application in progress. First subscriptions targeting mid-2026.¹

Explore distribution partnership.

Schedule Call

¹ IFSCA FinTech Sandbox Phase 2 approval dated 17 April 2026. Timeline subject to regulatory and operational milestones.

Confidential — for prospective distribution partners only · Last updated: April 2026