Crypto & Web3low risk

Tokenized Treasury Bills Yield 5.2% With Daily Liquidity

Q: How are tokenized T-bills different from buying treasuries directly?

Tokenized T-bills wrap US Treasury exposure into blockchain tokens, enabling 24/7 trading, instant settlement, and composability with DeFi protocols. You get the same underlying yield but with better accessibility.

Q: What are the risks of tokenized treasuries?

Smart contract risk, custodian risk (the entity holding the actual treasuries), and regulatory risk. These are generally lower-risk than most crypto but not zero-risk.

Q: Do I need a crypto wallet to invest?

Yes. You'll need an Ethereum or Solana wallet and stablecoins (USDC) to purchase most tokenized T-bill products.

Written by

Emma Lawson

Crypto, Web3, Platform Arbitrage

Access US Treasury yields instantly with on-chain T-bill products from Ondo Finance and Backed. No lockups, minimums, or banks. Start investing today!

Last verified: 3/2/2026

Key Details

Capital Required

$100+

Time Commitment

< 1 hour setup

Skill Level

beginner

Risk Level

low

How to Get Started

1
Set up a crypto wallet (MetaMask for Ethereum or Phantom for Solana)
2
Purchase USDC stablecoins through an exchange like Coinbase
3
Navigate to Ondo Finance (ondo.finance) or Backed.fi

Connect your wallet and complete any required KYC verification

Deposit USDC to mint tokenized T-bill tokens (OUSG or bIB01)

Yield accrues automatically — redeem anytime for USDC

Frequently Asked Questions

How are tokenized T-bills different from buying treasuries directly?

Tokenized T-bills wrap US Treasury exposure into blockchain tokens, enabling 24/7 trading, instant settlement, and composability with DeFi protocols. You get the same underlying yield but with better accessibility.

What are the risks of tokenized treasuries?

Smart contract risk, custodian risk (the entity holding the actual treasuries), and regulatory risk. These are generally lower-risk than most crypto but not zero-risk.

Do I need a crypto wallet to invest?

Yes. You'll need an Ethereum or Solana wallet and stablecoins (USDC) to purchase most tokenized T-bill products.

Disclaimer: This analysis is AI-generated for educational purposes only. It is not financial, investment, or legal advice. Always conduct your own research and consult qualified professionals before investing.