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June 17, 2025

Build vs Buy

Building a tokenization platform in-house is costly and slow, ONINO’s white-label solution offers a faster, compliant alternative for financial institutions. Launch digital asset services in weeks with modular tools for issuance, onboarding, and secondary trading.

Build vs Buy

White-Label Tokenization for Financial Institutions: Build vs. Buy

As tokenized finance matures, financial institutions, from private banks to neobrokers, are evaluating how to enter the market. Should they build their own digital asset platform from scratch or partner with a white-label provider?

For most, the answer will shape their competitive positioning for years to come.

This blog post explores the build vs. buy dilemma for tokenization and explains why ONINO’s white-label platform offers a fast, secure, and compliant way to launch tokenized asset services without the technical and regulatory burden.

The Stakes: Why Financial Institutions Need Tokenization

The demand for digital asset offerings is rising:

  • Investors want fractional access to real estate, venture, private credit, and more
  • Regulators (e.g. MiCA in the EU) are formalizing paths for compliant tokenized instruments
  • Challenger platforms are disrupting traditional wealth management with blockchain-native solutions

To stay competitive, financial institutions must decide how they’ll enter the space: by building infrastructure in-house or buying a turnkey white-label solution.

Option 1: Build Your Own Tokenization Platform

Pros:

  • Full control over architecture and features
  • Potential for deep integration with legacy systems
  • Custom branding, business logic, and data flows

Cons:

  • High development cost (often €500K+ to launch, plus maintenance)
  • 12–24 months time-to-market
  • Regulatory complexity (KYC, AML, securities laws, cross-border compliance)
  • Hiring blockchain developers, legal advisors, and security experts

For most mid-sized institutions, this path presents more risk than reward, especially in a fast-moving market.

Option 2: Buy a White-Label Tokenization Platform (Like ONINO)

Pros:

  • Ready-to-deploy infrastructure with proven security and compliance
  • Modular customization to fit your brand and regulatory needs
  • Launch your own digital asset portal in weeks, not years
  • Built-in tools for token issuance, investor onboarding, cap table management, and secondary trading

Cons:

  • Less flexibility than fully custom development (though ONINO’s modular architecture closes much of that gap)

ONINO delivers all the essential building blocks, so you can focus on customer acquisition, investment strategy, and business growth.

Mini Case Study: A Regional Bank Launches a Tokenized Bond Marketplace

A mid-sized European bank wanted to offer SME bonds as tradable digital securities. Instead of building their own infrastructure, they partnered with ONINO to:

  • Deploy a branded white-label investment portal
  • Tokenize each bond issuance using ONINO’s no-code tools
  • Onboard investors with KYC/AML and jurisdictional filters
  • Allow clients to buy and sell SME bond tokens through a compliant secondary market

The bank went live in under three months, with no new hires and full internal compliance approval.

Key ONINO Features for Financial Institutions

  • Enterprise-grade security and role-based access
  • Regulatory compliance embedded at every layer
  • Sub-chain deployment for performance, privacy, and jurisdictional control
  • Custom UI/UX and seamless integration with legacy portals
  • Support for multiple asset types: equity, debt, funds, RWAs

Whether you're launching a tokenized product line or offering token custody, ONINO’s white-label platform lets you build at fintech speed, without fintech risk.

Skip the costly development cycle – launch your tokenization service with ONINO’s white-label platform. Book a demo to learn how we can power your digital asset offerings

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