Which real-world-asset tokens can I start with if I only have $100 or less?
33 tokens with a minimum of $100 or less in our data state a yield. The highest right now is reUSDe from Re Protocol (Resilience (BVI) Ltd; underwriting Cover Reinsurance SPC, Cayman, CIMA) at ~11.8% (Re app, 2026-10-28). The range runs from 1.25% (sDAI) to 11.80%. 23 of them can be bought on a DEX without KYC. Yields are variable and not guaranteed.
Real-world-asset tokens are often presented as institutional, but a growing set is open to small amounts. These are the ones whose stated minimum is $100 or less.
How this list is made: computed from the live TokenBank dataset each time the page is built — 33 matching rows, each linked to its own page and source.
Figures from our live dataset · data as of 2026-11-09 · this answer as JSON · not investment advice
| Token | Issuer | Yield / return | Minimum | KYC to buy | Chain |
|---|---|---|---|---|---|
| reUSDe Re Protocol reUSDe (mezzanine reinsurance tranche) | Re Protocol (Resilience (BVI) Ltd; underwriting Cover Reinsurance SPC, Cayman, CIMA) | ~11.8% (Re app, 2026-10-28) checked 28 Oct 2026 | None | Not stated | Ethereum / Berachain |
| ONyc OnRe ONyc (tokenized reinsurance, Solana) | OnRe (OnRe SAC Ltd, Bermuda, BMA) | ~11.0% (estimated, onre.finance, 2026-10-28) checked 28 Oct 2026 | None | No KYC on a DEX | Solana |
| REALT RealT (tokenized US rental real estate) | RealToken | Payouts suspended (stated median rent 9.82%) checked 12 Oct 2026 · over 30 days old | ~$50 / token | Not stated | Gnosis Chain / Ethereum |
| NEXO-EARN Nexo Earn (Stablecoins) | Nexo | Up to 9.5% on USDT / 8.5% on USDC (by tier and region) checked 19 Oct 2026 | None | Not stated | Custodial (in-app) |
| reUSD Re Protocol reUSD (senior reinsurance tranche) | Re Protocol (Resilience (BVI) Ltd; underwriting Cover Reinsurance SPC, Cayman, CIMA) | ~6.8% (Re app, 2026-10-28) checked 28 Oct 2026 | None | Not stated | Ethereum / Solana / Base / Arbitrum / Avalanche and more |
| sUSDai usd.ai (staked) | usd.ai | ~6.77% (variable) checked 9 Nov 2026 | None | No KYC on a DEX | Arbitrum |
| scrvUSD Curve Savings crvUSD | Curve Finance | ~5.83% (variable) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum |
| JAAA Janus Henderson Anemoy AAA CLO Fund | Janus Henderson (Centrifuge / Anemoy) | ~5.8% (stated by Anemoy, undated) checked 19 Oct 2026 | None (deJAAA) | Not stated | Ethereum / Base / Solana (deJAAA) |
| mSOL Marinade Staked SOL | Marinade | ~5.47% (in SOL) checked 9 Nov 2026 | None | No KYC on a DEX | Solana |
| sfrxUSD Staked Frax USD | Frax Finance | ~5.3% (~4-5%) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum / Fraxtal |
| syrupUSDC Maple Syrup USDC | Maple Finance | ~5.08% checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum / Solana / Base |
| sUSDe Ethena Staked USDe | Ethena Labs | ~5.0% (variable) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum (+L2) |
| jitoSOL Jito Staked SOL | Jito | ~4.83% (in SOL, incl. MEV) checked 9 Nov 2026 | None | No KYC on a DEX | Solana |
| USD0++ Usual USD0++ | Usual | ~4.47% (T-bill base + USUAL rewards) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum |
| YLDS Figure YLDS | Figure Markets | ~4% (SOFR-linked) checked 23 Jul 2026 · over 30 days old | None | Not stated | Provenance / Ethereum |
| JUP-LEND Jupiter Lend (USDC) | Jupiter (protocol) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Solana |
| USDD-JL JustLend USDD (Tron) | JustLend DAO (Tron) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Tron |
| USTBL Spiko US T-Bills Money Market Fund | Spiko (SICAV, France) | 3.82% (net of fees, last 31 days) checked 19 Oct 2026 | €1 (≈$1,000 practical) | Not stated | Stellar / Ethereum |
| sUSDS Sky Savings Token | Sky (MakerDAO) | ~3.8% checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum (+Solana, Base) |
| USDY Ondo US Dollar Yield | Ondo Finance | ~3.75% checked 9 Nov 2026 | ~$50 (secondary market) | No KYC on a DEX | Ethereum / Solana (+10) |
| CB-USDC Coinbase USDC Rewards | Coinbase | ~3.75% (Coinbase One members; varies by region and membership) checked 19 Oct 2026 | None | Not stated | Custodial (in-app) |
| AAVE-USDC Aave USDC Lending | Aave (protocol) | ~3.7% (variable) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum (+many L2s) |
| sUSDf Falcon USDf (staked) | Falcon Finance | ~3.66% (variable) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum |
| SPARK Spark Savings | Spark (Sky ecosystem) | ~3.6% (variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Ethereum / Arbitrum / Base |
| MORPHO Morpho Vaults (USDC) | Morpho (vaults by curators) | ~3.5-5% (net, largest USDC vaults; variable) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum / Base (+) |
| mTBILL Midas mTBILL | Midas | ~3.42% (tracks T-bills) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+L2s, Algorand) |
| CENTRIFUGE Centrifuge RWA Vaults | Centrifuge (vaults per manager) | ~3-6% (per vault, variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Ethereum / Avalanche (+) |
| weETH ether.fi Staked ETH | ether.fi | ~2.97% (in ETH + restaking) checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum (+L2s) |
| EUTBL Spiko EU T-Bills Money Market Fund | Spiko (SICAV, France) | 2.41% (net of fees, last 31 days) checked 19 Oct 2026 | €1 (≈€1,000 practical) | Not stated | Stellar / Ethereum / Base |
| cbETH Coinbase Wrapped Staked ETH | Coinbase | ~2.28% (in ETH, after fee) checked 9 Nov 2026 | None | Not stated | Ethereum / Base |
| stETH Lido Staked ETH | Lido DAO | ~2.25% (in ETH) checked 9 Nov 2026 | None (any amount of ETH) | No KYC on a DEX | Ethereum (+L2s) |
| rETH Rocket Pool Staked ETH | Rocket Pool | ~1.93% (in ETH) checked 9 Nov 2026 | From ~0.01 ETH | No KYC on a DEX | Ethereum (+L2s) |
| sDAI Savings DAI | Sky (MakerDAO) | ~1.25% checked 9 Nov 2026 | None | No KYC on a DEX | Ethereum (+Gnosis, L2) |
How to choose
A low entry point says nothing about risk: this list mixes treasury tokens, gold, staking and stablecoin strategies. Decide first what should generate the return, then compare yields within that group. For small amounts, network fees can matter more than the rate — a purchase on Ethereum mainnet can cost a noticeable share of a year’s yield on $50, so the chain column is worth a look.
More questions
Which one has the lowest minimum?
reUSDe (Re Protocol (Resilience (BVI) Ltd; underwriting Cover Reinsurance SPC, Cayman, CIMA)), with no minimum. The highest stated minimum here is USDY, with minimum ~$50 (secondary market).
Which of them can I buy without KYC?
23 of 33 can be bought on a DEX without identity verification. For the rest, the source does not state the secondary-market gate.
Where does the yield of the top five come from?
reUSDe: Reinsurance premiums + yield on collateral (mezzanine tranche). ONyc: Reinsurance premiums + yield on collateral. REALT: Net rental income — payouts suspended since Feb 2026. NEXO-EARN: Platform lending book. reUSD: Reinsurance premiums + yield on collateral (senior tranche).
Are these yields fixed?
33 of 33 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked between 2026-07-23 and 2026-11-09.