{"slug":"tokenized-assets-an-ai-agent-can-buy","question":"Which tokenized assets can an AI agent buy on its own, without KYC — and which pays the most?","answer":"43 yield tokens in our data can be bought by an agent with no KYC.","shortAnswer":"43 yield tokens in our data can be bought by an agent with no KYC. 20 pay a fixed rate if held to maturity — all Pendle principal tokens, from 1.81% to 25.64% (highest: PT-sUSDfr-28JAN2027), most maturing within months; the highest rates sit on the youngest and riskiest synthetic dollars. Highest variable yields: ONyc ~11.0% (estimated, onre.finance, 2026-10-28); sUSDai ~6.77% (variable); scrvUSD ~5.83% (variable). None is in euros — every one is in US dollars or a crypto asset. Rates are variable unless stated and not guaranteed; the higher the rate, the more risk the underlying strategy carries.","asOf":"2026-11-12","faq":[{"q":"How does an AI agent actually buy one of these tokens?","a":"It needs a self-custody wallet holding a stablecoin (usually USDC) and a little of the chain’s native token for fees. It then swaps the stablecoin for the token on a decentralised exchange or deposits it into the protocol — one signed transaction, no account. TokenBank’s API (?permissionless=true) and MCP server return the token, its chain and where to buy it."},{"q":"Why are tokenized funds like BUIDL or BENJI not on this list?","a":"Because their tokens move only between wallets the issuer has whitelisted after an identity check. An agent can hold them only after its principal has been onboarded by the issuer."},{"q":"What is a fixed-rate token here?","a":"A Pendle principal token (PT): bought below face value, it redeems 1:1 at a set maturity date, so the rate is locked in for whoever holds it to maturity. Selling earlier happens at the market price, and the underlying token’s own risk stays."},{"q":"Which one has the lowest minimum?","a":"ONyc (OnRe (OnRe SAC Ltd, Bermuda, BMA)), with no minimum. The highest stated minimum here is USDY, with minimum ~$50 (secondary market)."},{"q":"Where does the yield of the top five come from?","a":"DL-PENDLEV2-SUSDFR-ETHEREUM-7E58: Discount to face value — the yield SUSDFR earns until maturity, sold upfront. DL-PENDLEV2-REUSDE-ETHEREUM-2C9D: Discount to face value — the yield REUSDE earns until maturity, sold upfront. DL-PENDLEV2-SUSDX-ETHEREUM-23A7: Discount to face value — the yield SUSDX earns until maturity, sold upfront. DL-PENDLEV2-USD3-ETHEREUM-B649: Discount to face value — the yield USD3 earns until maturity, sold upfront. DL-PENDLEV2-APYUSD-ETHEREUM-2B92: Discount to face value — the yield APYUSD earns until maturity, sold upfront."},{"q":"Are these yields fixed?","a":"23 of 43 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked between 2026-07-23 and 2026-11-12."}],"count":43,"rows":[{"ticker":"DL-PENDLEV2-SUSDFR-ETHEREUM-7E58","name":"Pendle — PT-sUSDfr-28JAN2027 (fixed rate to 2027-01-28) on Ethereum","issuer":"Pendle (protocol)","category":"DeFi Lending","yield":"25.64% (fixed to 2027-01-28, DefiLlama 2026-11-12)","yieldPct":25.64,"yieldKind":"fixed","minimumUsd":null,"size":"$6.4M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"none","maturity":"2027-01-28","lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/7e58effd-f52d-5c3f-8fc7-f013c5b00b3c","lastVerified":"2026-11-12","tier":"imported","page":"https://tokenbank.world/token/DL-PENDLEV2-SUSDFR-ETHEREUM-7E58","json":"https://tokenbank.world/api/tokens/DL-PENDLEV2-SUSDFR-ETHEREUM-7E58"},{"ticker":"DL-PENDLEV2-REUSDE-ETHEREUM-2C9D","name":"Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum","issuer":"Pendle (protocol)","category":"DeFi Lending","yield":"18.14% (fixed to 2026-12-10, DefiLlama 2026-11-12)","yieldPct":18.14,"yieldKind":"fixed","minimumUsd":null,"size":"$4.8M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"none","maturity":"2026-12-10","lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/2c9d004f-649b-4d6c-9efb-d4759f132361","lastVerified":"2026-11-12","tier":"imported","page":"https://tokenbank.world/token/DL-PENDLEV2-REUSDE-ETHEREUM-2C9D","json":"https://tokenbank.world/api/tokens/DL-PENDLEV2-REUSDE-ETHEREUM-2C9D"},{"ticker":"DL-PENDLEV2-SUSDX-ETHEREUM-23A7","name":"Pendle — PT-sUSDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum","issuer":"Pendle (protocol)","category":"DeFi Lending","yield":"16.85% (fixed to 2026-12-03, DefiLlama 2026-11-12)","yieldPct":16.85,"yieldKind":"fixed","minimumUsd":null,"size":"$7.0M","chains":"Ethereum","country":"Decentralized 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protocol","kycSecondary":"none","maturity":"2027-02-11","lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/2b920a0d-f49c-5070-961c-ba1325afa2f8","lastVerified":"2026-11-12","tier":"imported","page":"https://tokenbank.world/token/DL-PENDLEV2-APYUSD-ETHEREUM-2B92","json":"https://tokenbank.world/api/tokens/DL-PENDLEV2-APYUSD-ETHEREUM-2B92"},{"ticker":"DL-PENDLEV2-USDX-ETHEREUM-B0B3","name":"Pendle — PT-USDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum","issuer":"Pendle (protocol)","category":"DeFi Lending","yield":"12.58% (fixed to 2026-12-03, DefiLlama 2026-11-12)","yieldPct":12.58,"yieldKind":"fixed","minimumUsd":null,"size":"$1.7M","chains":"Ethereum","country":"Decentralized 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2026-10-28)","yieldPct":11.02,"yieldKind":"variable","minimumUsd":0,"size":"~$130M","chains":"Solana","country":"Bermuda","kycSecondary":"none","maturity":null,"lifecycle":"live","isin":null,"contract":"5Y8NV33Vv7WbnLfq3zBcKSdYPrk7g2KoiQoe7M2tcxp5","source":"https://docs.onre.finance/technical-resources/frequently-asked-questions.md","lastVerified":"2026-10-28","tier":"curated","page":"https://tokenbank.world/token/ONyc","json":"https://tokenbank.world/api/tokens/ONyc"},{"ticker":"DL-PENDLEV2-SIUSD-ETHEREUM-0757","name":"Pendle — PT-siUSD-07JAN2027 (fixed rate to 2027-01-07) on Ethereum","issuer":"Pendle (protocol)","category":"DeFi Lending","yield":"9.66% (fixed to 2027-01-07, DefiLlama 2026-11-12)","yieldPct":9.66,"yieldKind":"fixed","minimumUsd":null,"size":"$17.9M","chains":"Ethereum","country":"Decentralized 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Not investment advice. Verify each row’s source before relying on it."}