1. Discover
  2. Apps
  3. Joinn

Joinn

Preview Only
Preview Only
DeFiRWA
Preview Only
This app is available for preview only and has not been validated by community. The owner can submit the application for validation.

About Joinn

Joinn Finance is a mobile-first platform that bridges real-world assets (RWAs) with DeFi-powered spending solutions. It offers access to tokenized assets such as U.S. Treasury Bonds and commodities, backed 1:1 with on-chain proof of reserves, and provides a DeFi Mastercard for seamless transactions.

Joinn is a forward-thinking platform designed to democratize access to Real World Assets (RWAs) through a seamless, blockchain-powered ecosystem. Whether users are unbanked, underbanked, or simply looking to safeguard their savings from inflation, Joinn offers an intuitive path to real wealth. The project opens investment opportunities in Government Bonds, Precious Metals, Real Estate, and Stocks, helping users grow their assets without traditional financial gatekeeping.


With added functionality like the Joinn Mastercard, users can even spend their asset-backed wealth anywhere Mastercard is accepted, bridging the gap between decentralized finance and real-world utility. In a rapidly changing global economy, Joinn stands out by bringing financial freedom to individuals who previously lacked access to institutional-grade investments.

Joinn is pioneering a new frontier in finance by offering everyday users seamless access to tokenized real-world assets (RWAs). The platform is built with a mission to empower anyone, regardless of geography or socioeconomic background, to invest in traditionally exclusive asset classes. By offering direct access to assets like government bonds, precious metals, real estate, and equity markets, Joinn is unlocking multi-trillion-dollar financial markets to the public. The system is particularly relevant for users facing inflation, limited banking infrastructure, or a lack of trust in traditional finance.


The broader vision of Joinn is to give users not just asset ownership but complete control and utility. The integrated Joinn Mastercard allows users to spend directly from their RWA portfolio wherever Mastercard is accepted, effectively turning investments into a globally usable currency. Additionally, cross-chain liquidity ensures that asset mobility is frictionless, with no need for MetaMask or complicated wallet setups. The user-centric approach simplifies the blockchain experience while maintaining the transparency and decentralization that define the Web3 space.


According to industry forecasts, the RWA tokenization market is expected to grow to $10.9 trillion by 2030. By entering early, Joinn users gain a powerful edge. The platform’s extensive partner ecosystem includes Immersve, The Root Network, Polygon, Fractal, Swarm, Kima, BlackRock, Plume, and Denarii Labs, underscoring the trust and scalability of its infrastructure.


In terms of competition, Joinn shares its market with platforms like Realio, Synthetix, and Goldfinch, all of which are exploring the fusion of DeFi and RWA access. However, Joinn’s simplified user experience, real-world spending utility, and institutional-grade partnerships position it as a standout solution in the emerging RWA economy.

Joinn provides numerous benefits and features that make it a standout project in the tokenized RWA space:


  • Direct Access to RWAs: Invest in government bonds, metals, stocks, and real estate easily and globally.
  • Joinn Mastercard: Spend your digital assets anywhere Mastercard is accepted, just like traditional fiat.
  • Cross-Chain Liquidity: Enjoy seamless transfers across chains without the complexity of wallets like MetaMask.
  • Inclusive Financial Model: Perfect for unbanked and underbanked users who want to preserve and grow wealth.
  • Trusted Partnerships: Backed by key players such as BlackRock, Polygon, Swarm, and more.
  • Massive Market Opportunity: Positioned within a projected $10.9 trillion market by 2030.

Getting started with Joinn is simple and built for maximum accessibility:


  • Visit the Platform: Go to the official website at joinn.io and click “Go to App”.
  • Create an Account: Register using your email or social login options.
  • Verify Identity: Complete a quick KYC process to enable asset purchases and spending.
  • Choose Your Asset: Browse a curated selection of real-world assets including bonds, metals, and more.
  • Invest and Spend: Allocate your capital, then use the Joinn Mastercard to spend assets globally.
  • Access Support: Join the community on Telegram or consult support via the website.

Joinn FAQ

  • Joinn allows users to transform their investments in Real World Assets (RWAs) into spendable digital cash through the integrated Joinn Mastercard. Once a user allocates funds into assets such as government bonds, metals, or stocks, they can instantly use those holdings to make purchases anywhere Mastercard is accepted. This removes the friction of converting assets back into fiat, making Joinn a bridge between decentralized finance and everyday financial activity.

  • Joinn was built with a focus on global financial inclusion, providing access to institutional-grade investments without relying on traditional banks. For users who are unbanked or underbanked, Joinn eliminates the typical roadblocks like credit checks or high fees. All users need is internet access and a basic identity check to start building and spending real wealth using tokenized RWAs—no local bank account required.

  • Yes, Joinn eliminates the complexity typically associated with blockchain platforms. There’s no need for users to download MetaMask or manage private keys. Joinn offers a fully abstracted experience, allowing users to invest and manage assets through a secure and user-friendly interface that handles all wallet infrastructure behind the scenes, making blockchain technology invisible to the end-user.

  • Joinn tackles the liquidity challenges of tokenized real-world assets by partnering with platforms like Swarm, Polygon, and Immersve to create a multi-chain liquid environment. Assets are not siloed and can move freely across supported networks. Combined with the Joinn Mastercard, users enjoy instant access to the real-time value of their holdings, providing both liquidity and utility without compromising on decentralization. All this is made accessible through Joinn's easy-to-use interface.

  • Joinn has formed strategic partnerships with leading institutions like BlackRock, Polygon, The Root Network, and others to create a trustworthy and scalable infrastructure for RWA investing. These partnerships ensure the security, compliance, and reach necessary for long-term growth. Through these alliances, Joinn is able to deliver reliable access to regulated assets and advanced blockchain technology to a global user base, offering enterprise-grade stability to retail investors.

You Might Also Like