Solid Gold, Liquid Finance: The Unlockd x Mattereum Partnership

Revolutionizing Gold-Backed Lending for the Digital Era

In a move set to reshape the landscape of digital finance, Unlockd and Mattereum have joined forces to bring gold into the 21st century with RWA finance.

This isn’t just another fintech partnership, but a revolution in how we think about, own, and leverage one of humanity’s oldest forms of wealth. Keep reading to understand how this changes the game.

Remember when owning gold meant stashing bars in a vault, hoping they’d appreciate while doing nothing but gathering dust?

Those days are over.

Mattereum has been quietly leading the charge in tokenizing real-world assets (RWAs), with a particular focus on gold. They’re not just creating digital representations of gold — they’re tying each token to a specific, verifiable gold bar, complete with an unbreakable chain of provenance, verified by financial warranties legally valid in 170 countries, thanks to their Mattereum Asset Passports (MAP).

Enter Unlockd. As the first truly permissionless protocol for RWA-backed loans, Unlockd is about to turn those static gold holdings into dynamic financial instruments.

This isn’t your grandfather’s gold standard.

It’s Gold Standard 2.0.

The Golden Revolution

“This is at the heart of what Mattereum is about — revolutionizing world trade through creating a tokenized gold ecosystem. With the Unlockd partnership in place we bring about a whole new way of doing things that will utterly transform gold’s utility” — Vinay Gupta, Mattereum CEO.

Let’s break down why this partnership is such a game-changer:

True Ownership, Real Liquidity

Mattereum’s approach to tokenized gold is revolutionary.

Each MAP represents a specific gold bar, not just a claim on some pooled gold somewhere. When you own a gold token backed by a Mattereum Asset Passport, you own that exact bar. Period.

Now, Unlockd is allowing you to borrow against that gold without giving up ownership. It’s like having your gold and spending it too.

Instant Access, No Gatekeepers:

Traditional gold-backed loans? Think weeks of paperwork, credit checks, and dealing with banks that seem allergic to innovation.

With Unlockd, you can now get a loan against your gold tokenized through Mattereum in minutes, not months.

All you need is a wallet.

No credit checks, no endless forms — just instant liquidity.

AI-Powered Precision:

Unlockd isn’t just fast — it’s smart. Our AI-driven system provides real-time asset appraisal and optimal loan-to-value ratios.

This means you’re getting the best possible terms on your gold-backed loan, adjusted in real-time to market conditions. It’s like having a team of expert gold analysts working for you 24/7.

Diversification on Steroids

Here’s where it gets really interesting.

Unlockd allows you to bundle up to 100 different assets into a single loan. Imagine leveraging a mix of gold bars, rare wines, and luxury timepieces all in one go.

This isn’t just convenient — it’s a new paradigm in risk management and borrowing power.

Keep Your Gold Working

With traditional gold loans, your asset sits idle in someone else’s vault.

Not anymore.

Thanks to Mattereum’s innovative MAPs and our Unlockd Accounts, your gold keeps working for you.

Verify your ownership, get into DAOs, retain custody and benefit from any appreciation, all while using it as collateral. It’s multi-tasking for your money.

Why This Matters

This partnership isn’t just about making gold more liquid — it’s about fundamentally changing our relationship with this ancient store of value.

For millennia, gold has been seen as a safe haven, a hedge against uncertainty.

But it’s always had one major flaw: illiquidity.

You couldn’t easily spend your gold or use it to generate yield without giving up possession.

Now, imagine a world where your gold is as liquid as cash, but as stable as… well, gold.

Where you can leverage your gold holdings to participate in DeFi protocols, fund business ventures, or simply access cash when you need it — all without selling a single ounce.

This is the promise of the Unlockd x Mattereum partnership.

It’s taking the oldest, most trusted form of wealth and catapulting it into the forefront of financial innovation.

“The Unlockd and Mattereum collaboration addresses a critical need in the global financial ecosystem. As markets worldwide grapple with economic uncertainties, we’re providing a solution that combines the stability of gold with the efficiency of blockchain technology” — Carlos Otermin, Unlockd COO and Co-Founder.

The Bigger Picture

But this is just the beginning.

As Mattereum continues to bring more real-world assets on-chain — from precious metals to fine art — Unlockd’s permissionless protocol stands ready to turn these static holdings into dynamic financial instruments.

We’re witnessing the birth of a new financial ecosystem, one that bridges the tangible and digital worlds in ways previously unimaginable.

For investors, this means unprecedented access to diverse asset classes.

For the broader market, it represents a massive influx of liquidity and stability.

And for the average person? It’s a chance to participate in a financial system that’s more open, more efficient, and more aligned with the realities of our digital age.

“This partnership embodies Unlockd’s mission to democratize access to sophisticated financial tools. We’re making the power of RWA-backed lending available to a global audience, instantly and without intermediaries.” — Jorge Schnura, Unlockd CEO and Co-Founder

The Future is Golden

As we stand on the brink of this new era in finance, one thing is clear: the partnership between Unlockd and Mattereum is creating an entirely new playing field.

It’s a future where the boundaries between physical and digital assets blur, where liquidity flows as freely as information, and where the average person has access to financial tools once reserved for the elite.

Welcome to the future of finance.

It’s golden, it’s digital, and thanks to Unlockd and Mattereum, it’s more accessible than ever.

About Unlockd

Unlockd is the first permissionless protocol offering instant loans backed by real-world assets (RWAs). Our AI-driven platform provides dynamic Loan-To-Value ratios and open-ended loans through an efficient Peer-To-Pool model. Unlockd’s unique features include full asset custody for users, multi-asset collateral bundling, and support for diverse tokenized assets.

Currently on Ethereum and expanding to other networks, Unlockd aims to democratize RWA liquidity, making previously exclusive financial opportunities accessible to all.

About Mattereum

Mattereum was founded in 2017 by Ethereum launch co-ordinator Vinay Gupta, who sees the future of the blockchain as being in providing efficiency savings at scale for international trade in high value real world goods.

Mattereum makes this possible through its unique legaltech solution, six years in the making, that supports the tokenization, fractionalization and safe sale of real world assets on the blockchain and is enforceable in over 170 jurisdictions worldwide. No one else can do this.