{"slug":"tokenized-treasuries-low-minimum","question":"How much money do I need to invest in tokenized Treasuries — is $100 enough?","answer":"The lowest stated minimum is mTBILL from Midas, with no minimum at all.","shortAnswer":"The lowest stated minimum is mTBILL from Midas, with no minimum at all. 5 of 10 tokenized treasuries with a stated minimum start at $100 or less; the rest are aimed at professional or institutional investors.","asOf":"2026-10-19","faq":[{"q":"Which one has the lowest minimum?","a":"mTBILL (Midas), with no minimum. The highest stated minimum here is BUIDL, with minimum $5M (institutional)."},{"q":"Which of them can I buy without KYC?","a":"2 of 10 can be bought on a DEX without identity verification: mTBILL, USDY. For the rest, the source does not state the secondary-market gate."},{"q":"Where does the yield come from?","a":"mTBILL: Short-term US Treasuries (via BlackRock ETF structures). EUTBL: Short-term Eurozone government T-bills. USTBL: Short-term US Treasury bills. USDY: Short-term US Treasuries + bank deposits. OUSG: Institutional treasury / money-market funds. JTRSY: Short-term US Treasuries. BUIDL: US Treasuries / repos / cash."},{"q":"Which is the largest?","a":"By size, BUIDL at $2.4B, followed by USDY at $2.1B and EUTBL at $880M. Size is not safety, but a larger product usually means a deeper market to sell into."},{"q":"Are these yields fixed?","a":"9 of 10 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked between 2026-08-25 and 2026-10-19."}],"count":10,"rows":[{"ticker":"mTBILL","name":"Midas mTBILL","issuer":"Midas","category":"Tokenized Treasuries","yield":"~3.42% (tracks T-bills)","yieldPct":3.42,"yieldKind":"variable","minimumUsd":0,"size":"Growing (smaller issuer)","chains":"Ethereum (+L2s, Algorand)","country":"Liechtenstein (EU passport)","kycSecondary":"none","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://docs.midas.app/tokens/mtbill","lastVerified":"2026-10-18","tier":"curated","page":"https://tokenbank.world/token/mTBILL","json":"https://tokenbank.world/api/tokens/mTBILL"},{"ticker":"EUTBL","name":"Spiko EU T-Bills Money Market Fund","issuer":"Spiko (SICAV, France)","category":"Tokenized Treasuries","yield":"2.41% (net of fees, last 31 days)","yieldPct":2.41,"yieldKind":"variable","minimumUsd":1,"size":"€880M","chains":"Stellar / Ethereum / Base","country":"France (EU, AMF-regulated)","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://www.spiko.io/spiko-treasury-bills-euro","lastVerified":"2026-10-19","tier":"curated","page":"https://tokenbank.world/token/EUTBL","json":"https://tokenbank.world/api/tokens/EUTBL"},{"ticker":"USTBL","name":"Spiko US T-Bills Money Market Fund","issuer":"Spiko (SICAV, France)","category":"Tokenized Treasuries","yield":"3.82% (net of fees, last 31 days)","yieldPct":3.82,"yieldKind":"variable","minimumUsd":1,"size":"$146M","chains":"Stellar / Ethereum","country":"France (EU, AMF-regulated)","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://www.spiko.io/spiko-treasury-bills-dollar","lastVerified":"2026-10-19","tier":"curated","page":"https://tokenbank.world/token/USTBL","json":"https://tokenbank.world/api/tokens/USTBL"},{"ticker":"SAFO","name":"Spiko Dollar (Spiko Amundi Overnight Swap Fund, USD share class)","issuer":"Spiko","category":"Tokenized Treasuries","yield":"Interest rate 4.37% net of fees (spiko.io, 16 Oct 2026)","yieldPct":4.37,"yieldKind":"variable","minimumUsd":1,"size":null,"chains":"Ethereum / Polygon PoS / Arbitrum One (+4)","country":"France (EU)","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":"0xcbade7d9bdee88411cb6cbcbb29952b742036992","source":"https://www.spiko.io/spiko-dollar","lastVerified":null,"tier":"imported","page":"https://tokenbank.world/token/SAFO","json":"https://tokenbank.world/api/tokens/SAFO"},{"ticker":"USDY","name":"Ondo US Dollar Yield","issuer":"Ondo Finance","category":"Tokenized Treasuries","yield":"~3.69%","yieldPct":3.69,"yieldKind":"variable","minimumUsd":50,"size":"$2.14B","chains":"Ethereum / Solana (+10)","country":"USA (non-US persons only)","kycSecondary":"none","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://app.rwa.xyz/assets/USDY","lastVerified":"2026-10-18","tier":"curated","page":"https://tokenbank.world/token/USDY","json":"https://tokenbank.world/api/tokens/USDY"},{"ticker":"RCOIN","name":"Arca U.S. Treasury Fund (ArCoin)","issuer":"Arca / Securitize","category":"Tokenized Treasuries","yield":"Not stated by the source","yieldPct":null,"yieldKind":null,"minimumUsd":1000,"size":null,"chains":"Ethereum","country":"USA","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":"0x252739487C1fa66eaeaE7CED41d6358aB2a6bCa9","source":"https://securitize.io/primary-market/arca-rcoin","lastVerified":null,"tier":"imported","page":"https://tokenbank.world/token/RCOIN","json":"https://tokenbank.world/api/tokens/RCOIN"},{"ticker":"OUSG","name":"Ondo Short-Term US Government Treasuries","issuer":"Ondo Finance","category":"Tokenized Treasuries","yield":"~3.56%","yieldPct":3.56,"yieldKind":"variable","minimumUsd":5000,"size":"$578M","chains":"Ethereum / Solana / Polygon","country":"USA","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://app.rwa.xyz/assets/OUSG","lastVerified":"2026-10-18","tier":"curated","page":"https://tokenbank.world/token/OUSG","json":"https://tokenbank.world/api/tokens/OUSG"},{"ticker":"VBILL","name":"VanEck Treasury Fund Ltd.","issuer":"VanEck / Securitize","category":"Tokenized Treasuries","yield":"7-Day Yield 3.66% net, as of 10/1/2026","yieldPct":3.66,"yieldKind":"variable","minimumUsd":100000,"size":null,"chains":"Bnb / Avalanche / Ethereum (+1)","country":"USA","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":"0x14d72634328C4D03bBA184A48081Df65F1911279","source":"https://securitize.io/primary-market/vaneck-vbill","lastVerified":null,"tier":"imported","page":"https://tokenbank.world/token/VBILL","json":"https://tokenbank.world/api/tokens/VBILL"},{"ticker":"JTRSY","name":"Janus Henderson Anemoy Treasury Fund","issuer":"Anemoy / Janus Henderson (Centrifuge)","category":"Tokenized Treasuries","yield":"~3.59%","yieldPct":3.59,"yieldKind":"variable","minimumUsd":500000,"size":"$871M","chains":"Ethereum (+6)","country":"BVI (non-US, accredited)","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://app.rwa.xyz/assets/JTRSY","lastVerified":"2026-08-25","tier":"curated","page":"https://tokenbank.world/token/JTRSY","json":"https://tokenbank.world/api/tokens/JTRSY"},{"ticker":"BUIDL","name":"BlackRock USD Institutional Digital Liquidity Fund","issuer":"BlackRock / Securitize","category":"Tokenized Treasuries","yield":"~3.59%","yieldPct":3.59,"yieldKind":"variable","minimumUsd":5000000,"size":"$2.4B","chains":"Ethereum (+8)","country":"BVI / US","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://app.rwa.xyz/assets/BUIDL","lastVerified":"2026-08-25","tier":"curated","page":"https://tokenbank.world/token/BUIDL","json":"https://tokenbank.world/api/tokens/BUIDL"}],"programs":[],"underlyings":[],"sources":[],"_links":{"page":"https://tokenbank.world/answers/tokenized-treasuries-low-minimum","index":"https://tokenbank.world/api/v1/answers"},"_citation":"TokenBank, “How much money do I need to invest in tokenized Treasuries — is $100 enough?”, https://tokenbank.world/answers/tokenized-treasuries-low-minimum (data as of 2026-10-19), CC BY 4.0.","_license":"CC BY 4.0 — https://creativecommons.org/licenses/by/4.0/","_disclaimer":"Computed from sourced data; yields are variable and not guaranteed. Not investment advice. Verify each row’s source before relying on it."}