Is root64 open to retail investors?

No. root64 serves professional investors only, through private placement. It is not a public offering, and there is no retail onboarding planned in the current phase.

Can I verify root64's data myself?

That is the design goal of the transparency layer: cash transactions and balances of the initial pool are recorded on Ethereum, where anyone can inspect them. This matters because, as industry verification guidance notes, a token on a blockchain does not by itself prove the underlying asset exists — so root64 cross-checks registered data against external channels like the KFTC P2P record-keeping center and bank APIs. A step-by-step verification walkthrough (including the relevant contract addresses) will be published as a separate post.

Do root64 tokens exist today?

Not yet. The transparency platform comes first; token issuance through the Hong Kong vehicle is planned as the second phase and is contingent on regulatory clearance.

Where does root64 fit in the global RWA market?

It targets one of the fastest-growing slices of it. Tokenized RWAs (excluding stablecoins) have grown to more than $30B on-chain, from roughly $5B at the start of 2025, and private credit is now among the largest non-stablecoin categories. Korean alternative credit is almost entirely absent from that market — the gap root64 is built to fill.

Does root64 guarantee returns?

No. The underlying assets are loans, and loans carry credit risk. root64's purpose is to make the state of those assets independently verifiable — not to promise outcomes.

What is root64? Korean alternative credit, verifiable on-chain

What is root64?

root64 is a platform that publishes Korean loan assets on a public blockchain and, in a second phase, tokenizes them for global professional investors. It is built by 8percent, a licensed Korean peer-to-peer (P2P) lending platform. The mission behind it is simple to state: connect Korea’s alternative-asset market with the world — and become the first gateway global investors use when they look at Korean alternative assets.

The platform stands on two pillars, in a deliberate order:

Transparency — record the actual cash transactions and investment balances of the underlying loan assets on Ethereum, so an investor can check the state of the assets without relying on the operator’s reports.
Tokenization — once that verification layer exists, represent the investment on-chain as transferable units, issued through a Hong Kong vehicle to professional investors.

Tokenizing real-world assets is no longer a fringe experiment: the on-chain value of tokenized RWAs (excluding stablecoins) stands above $30B, up from roughly $5B at the start of 2025 — a more than fivefold increase (RWA.xyz, as of 2026-06-15; start-of-2025 baseline of $5.42B per CoinGecko, “RWA Report 2026”, published 2026-05-13). Most projects in that wave begin with the token. root64 begins with the evidence.

What problem does root64 solve?

Korean credit remains, in root64’s view, one of the least accessible alternative-credit markets for global investors. That gap stands out because private credit has become one of the largest and fastest-growing non-stablecoin categories of tokenized RWAs (RWA.xyz, as of 2026-06-15) — yet Korean-originated assets are largely absent from that category. The barriers are structural, not just informational (as of June 2026):

Unfamiliar assets. Collateral types (Korean real estate, securities accounts), loan structures, and Korea’s recovery procedures are hard for a foreign investor to evaluate independently.
Multi-layer counterparty risk. Capital passes through an operator, a Korean special-purpose company (SPC — a bankruptcy-remote entity that holds the assets), a fund administrator, and an offshore vehicle. Each layer is opaque from the outside.
No independent verification. Conventional reporting in this market is periodic — in root64’s initial pool, weekly NAV (net asset value) calculation and monthly reports. Between reports, an investor has no way to confirm asset status on their own.
On-chain/off-chain consistency. Putting data on a blockchain proves nothing by itself; what matters is who registered the data and who verified it against what source.

Korea’s regulatory base turns one of these barriers into an asset. The country has a dedicated P2P regime — described by its drafters’ counsel as the world’s first law devoted to P2P/marketplace lending (Lee & Ko, “South Korea Enacts World’s First Law on P2P Financing”, Dec 2019), effective Aug 27, 2020 — that gives Korean loan claims a central register and bankruptcy-remote structuring. Those statutory channels are exactly what root64 reads from when it verifies assets, so the regulatory specificity that makes Korean credit unfamiliar is also what makes it verifiable.

root64’s answer to the verification problems is the product itself, described next.

What does “transparency before tokenization” mean?

It means the verification layer ships first, and the token comes second.

This ordering responds to a documented gap in the wider RWA market. Industry guidance is explicit that putting a token on-chain proves nothing on its own — “Self-reported reserves without independent verification don’t meet this bar.” (MetaMask, “How to verify tokenized real-world assets”, 2026-04-20). Most projects lean on proof-of-reserve mechanisms or oracles after the token already exists; root64 inverts that order and separates who registers an asset from who verifies it.

In its first phase, root64 records the cash transactions and investment balances of its initial loan pool on Ethereum, with proofs published on an ongoing basis — so the on-chain record tracks the actual movement of money rather than a quarterly snapshot.

Crucially, registration and verification are separated:

Asset data is registered by the originator (the lender supplying the assets, starting with 8percent) and then checked against external public channels — Korean real-estate registries and the Korea Financial Telecommunications & Clearings Institute (KFTC, 금융결제원), the central record-keeper designated for online P2P loan claims (p2pcenter.or.kr).
Cash data is recorded by the SPC’s independent fund administrator and cross-checked against bank APIs.

No single party — including 8percent — is the sole source of truth. Token issuance is planned through the Hong Kong vehicle for professional investors and is contingent on regulatory clearance; it builds on top of this verification layer rather than substituting for it.

What assets does root64 cover?

root64 starts with loan assets originated under Korea’s regulated P2P lending regime. The current line-up (as of June 2026):

Asset type	Status
Real-estate-secured consumer loans	Live
Securities-account-collateralized loans	Live

Source: root64 asset line-up, as of June 2026.

These assets sit in the segment the broader market is moving toward fastest: tokenized private credit has grown in 2026 into one of the largest non-stablecoin RWA categories, rivaling tokenized US Treasuries (RWA.xyz, as of 2026-06-15). Korean alternative credit is largely absent from it — which is the access gap root64 is built to close.

The platform is designed for extension from day one: beyond 8percent’s own origination, the roadmap onboards external originators — registered money lenders (대부업) first, starting with their real-estate-secured loans, then capital-company portfolios, commercial real estate, and receivables-backed lending.

How is root64 structured?

Today, a Korean special-purpose company (SPC) holds the loan assets, keeping them separate from 8percent’s balance sheet. Recording those assets’ cash flows on-chain is the platform’s first phase.

The SPC’s role rests on Korean law, not just contract: the Online Investment-linked Finance Act provides for the assignment of the right to receive principal and interest (원리금수취권), separate custody of investor funds at an independent institution, and bankruptcy remoteness if the operator fails (Lee & Ko, Dec 2019, re: the Act effective 2020-08-27). That statutory footing is what lets root64 treat the SPC as a genuinely bankruptcy-remote holder rather than an offshore convention.

The planned tokenization phase would add a second tier — a Hong Kong vehicle to serve global professional investors — but that is not yet in place. Access is limited to professional investors throughout; root64 is not a public offering, and there is no retail product.

A deeper structural walkthrough is coming in a separate post.

Who is behind root64?

8percent is a licensed Korean P2P lending platform operating real-estate-secured, securities-account-collateralized, and personal credit loans. It was among the first companies registered when Korea introduced its dedicated licensing regime for online investment-linked finance — the Online Investment-linked Finance Act, which took effect on Aug 27, 2020 and is described by Korean counsel as the world’s first law dedicated to P2P/marketplace lending (Lee & Ko, “South Korea Enacts World’s First Law on P2P Financing”, Dec 2019). Building inside a brand-new regulatory framework is an experience root64 inherits as a working principle (“Within the Rules” is one of its four core values, alongside “Underwriting First”, “Two-Way Trust”, and “Build to Extend”).

The first of those — Underwriting First — is the operative one: root64 treats underwriting — the ability to evaluate and stand behind each asset — as the foundation, and tokenization as the delivery mechanism, not the other way around.

Why is it called “root64”?

Because √64 = 8. The name encodes the link to 8percent and the ambition of squared growth. The brand image is a tree: roots reaching down into the ground stand for underwriting-first asset evaluation; the branches bearing fruit stand for a platform that connects many originators and many asset types above that foundation.