# xNG Markets

> xNG Markets is regulated onchain infrastructure for African equities. We tokenize real stocks 1:1 on-chain, starting with Nigeria as the beachhead, enabling global investors to buy, sell, and borrow against tokenized stocks using local currency or stablecoins (USDT, USDC, cNGN). The same infrastructure is available for exchanges, fintechs, and DeFi protocols to integrate.

## Overview

xNG Markets is building the rails to bring African equities onchain. No African equities exist onchain today — $1.7T in listed assets across the continent, zero representation. xNG bridges that gap.

Starting with Nigeria's NGX (₦123.9T market cap, 51% return in 2025, ₦1.1T in dividends paid in 2024), every tokenized stock is backed 1:1 by real shares held in segregated accounts with licensed broker partners. This enables 24/7 trading, global access, stablecoin funding, and instant collateralized lending against stock portfolios.

We distribute through our own consumer app and as infrastructure that other platforms can plug into.

**Key Statistics:**
- $1.7T in African listed equities, zero onchain representation
- ₦125T Nigerian stock exchange market capitalization (as at March 2026)
- ₦1.1T in dividends declared by NGX companies in 2024
- 51% NGX All-Share Index gain in 2025
- 9–15% NGX blue-chip dividend yields
- 5-minute onboarding process from anywhere in the world

## Core Features

**Regulated Infrastructure**
- Partnering with SEC-licensed entities across tokenization, custody, and brokerage
- Path towards full licensing via Nigeria SEC Regulatory Sandbox
- SPV structure with licensed trustee for segregated custody
- Every token backed 1:1 by real shares

**Global Access**
- Digital identity verification for Nigerian and international users
- Access from Lagos, London, New York, Dubai, or anywhere globally
- No local broker account or paperwork required
- Built for the African diaspora and global emerging market investors

**Flexible Funding Options**
- Fund with Nigerian Naira via bank transfer
- Accept stablecoins: USDT, USDC, and cNGN
- Skip forex conversion hassles
- Instant settlement with stablecoins

**24/7 Trading**
- Trade tokenized African stocks around the clock
- Not limited to stock exchange trading hours
- Access from any timezone
- Real-time portfolio tracking

**Instant Loans**
- Borrow against your stock portfolio instantly (up to 50% LTV)
- Keep your shares and dividend rights
- No paperwork or credit checks required
- Maintain compounding while accessing liquidity

**Stock Transfer & Migration**
- Transfer existing NGX shares from traditional brokers
- Stocks tokenized on-chain after transfer
- Unlock 24/7 trading and collateralized loans for existing holdings

## Dual Distribution

**Consumer App (iOS & Android)**
- Radically simple, fully crypto-abstracted experience
- No blockchain jargon — feels like a modern stock app
- Designed for mainstream users and diaspora investors

**B2B Infrastructure**
- Tokenized assets available for exchanges, fintechs, and DeFi protocols to integrate
- Same regulated rails, pluggable by any platform
- DEX listings, CEX partnerships, and Web3 wallet integrations planned

## Security & Compliance

**1:1 Backing**
Every tokenized stock is backed by real shares held in segregated accounts with a licensed SEC-regulated broker partner.

**Regular Audits**
Protocol and assets under management undergo regular third-party audits for security, solvency, and transparency.

**KYC/AML Compliance**
Robust identity verification, sanctions/PEP screening, and ongoing monitoring to prevent fraud and financial crime.

**Regulatory Pathway**
Pursuing Nigeria SEC Regulatory Sandbox pathway. Partnering with regulator-licensed entities, with a path towards being fully licensed.

## Target Market

**Primary Users:**
- African diaspora in UK, US, Canada, UAE, and globally
- International investors seeking African equity exposure
- Existing NGX shareholders wanting 24/7 liquidity
- DeFi users interested in Real World Assets (RWA)
- Dividend-focused investors seeking 9–15% yields

**Popular Stocks by Sector:**

**Consumer Goods:** BUA Foods, Dangote Sugar, Cadbury, Unilever
**Technology:** MTN Nigeria, Chams, Airtel Africa
**Industrial Goods:** Dangote Cement, BUA Cements, Beta Glass
**Energy:** Seplat, Aradel, Geregu Power
**Financial Services:** GTCO, Zenith Bank, UBA, Access Holding, First Hold Co, VFD Group
**Services:** TIP (Growth stock), Tantilizer
**Agriculture:** Okomu Oil, Ellah Lakes
**Conglomerates:** UACN PLC
**Real Estate:** UPDC REIT

## Technology

xNG leverages on-chain tokenization to create blockchain-based digital representations of African securities, starting from the Nigerian Stock Exchange:
- ERC-20 + Permit2 token standard
- Smart contracts for trading settlement, collateralized lending, and stablecoin rails
- Lock-and-mint bridge architecture for EVM chains
- Multi-network stablecoin support (Solana, Base, Polygon, Tron, BNB Chain)
- Wallet infrastructure via BlockRadar
- Settlement via cNGN (Nigeria's licensed local stablecoin)

## Model Validation

This model is already proven in other markets. Backed Finance (xStocks) built the same infrastructure for US/EU equities, achieved $10B+ in volume in 6 months, and was acquired by Kraken. xNG applies that playbook to the last major untokenized asset class: African equities.

## Contact

- Website: https://xng.markets
- Email: contact@xng.markets
- Twitter: @xNGMarkets
- Instagram: @xng_markets