Use Cases

Torque supports fund preparation, eligible Investor onboarding, subscription and funding, holding issuance or receipt, distributions, and redemption. The capability inventory summarizes these capabilities, while the fund workflows show how the roles work together.

Real-asset and private-credit funds

Torque supports tokenization for real-world-asset funds, including private-credit funds. The Issuer owns fund terms, disclosures, approvals, valuation, servicing, distributions, and redemption. An Investor completes eligibility, subscribes through an available funding rail, receives a confirmed holding, and uses the permitted servicing and redemption paths, subject to the fund's terms and applicable compliance conditions.

Enterprise platform operations

An Operator can run its own Torque-based platform within an enterprise agreement and covered scope. This is an enterprise operating model, not a new Torque workspace or permission role. Administrator retains platform-wide administration across funds and issuers, while Issuer owns fund-level work. See Platform roles and Operator scope.

BTC-backed lending: example structure

BTC-backed lending is an illustrative financing structure, not a Torque loan offer or credit proposal. In this example, a borrower pledges native BTC to a named custodian, and a lender provides fiat or stablecoins when the terms and law permit. Wrapped BTC on an EVM chain is a different asset with wrapper, custody, and bridge dependencies. It is not automatically the same as native Bitcoin.

A complete design would define the loan terms, collateral valuation, alerts, repayment, and evidence for collateral release. LTV means loan-to-value: the loan amount divided by collateral value. If the BTC price falls, the agreed LTV can require more collateral or liquidation, which means selling pledged BTC to repay the debt. This example does not set a rate or LTV, name an oracle, or define a liquidation integration or automated lending behavior.

For this example, Issuer remains responsible for fund-level terms and servicing, Investor remains the fund-holder role, Administrator remains the platform administrator, and Operator remains the enterprise partner. Borrower and lender are transaction parties, not new Torque workspace roles. Any lending execution would require its own approved terms and service contract; it does not change the fund journey described above.

RWA tokens as collateral

Torque can support RWA-backed lending structures in which tokenized asset positions secure stablecoin financing. An Issuer can tokenize a pool of eligible assets, such as real-estate bridge loans, and use senior pool tokens as collateral. Borrowed funds can finance new loans or other approved activities. Each structure requires approved terms, underwriting, valuation and servicing, legal rights, and default procedures.