Key Takeaways
- It is possible for US residents to access a certain type of tokenized securities via developers who accept US clients.
- Dinari offers the ability to buy stock positions recorded on the blockchain in the form of dShares to eligible US investors.
- Ondo has a separate US offering for certain tokenized securities via Oasis Pro Markets.
- International platforms of Ondo Stocks and xStocks do not permit US persons to access them.
- Tokenized stock ownership does not guarantee automatic ownership rights.
Tokenized stocks are a hybrid of classical stocks and digital assets based on blockchain technology. The token provides an opportunity of getting exposure to the stock, while due to blockchain technology, it is possible to acquire all the shares or obtain the rights for the shares, which are kept in custody.
There are specific solutions that work according to the US laws and that allow the US residents to use them. However, some platforms are prohibited for US residents.
For instance, Dinari enables its US clients to acquire stocks through the brokerage and in the form of the blockchain record. Multiple services are offered by Ondo through a different platform.
Can Tokenized Stocks Be Bought by Individuals from the US?
Citizens of the US can access various types of tokenized stocks from third-party companies that are compliant with regulations. It is possible to say that the rules proposed by the federal securities regulatory authority can be applied to the process of issuing, promoting, trading, and holding any crypto asset that is regarded as security.
On January 28, 2026, the Securities and Exchange Commission (SEC) submitted a notice on its website explaining the rules established in the federal laws regarding tokenized securities. The announcement clearly defines the different types of tokenized securities with the first one being the type that a certain issuer issues on his behalf and the second being used to tokenize securities of someone else.
They can be distinguished based on ownership rights and the nature of the token being traded. For instance, if a token gives rights to own the stock of a certain company, this token cannot be used to receive similar rights for the token that gives the rights to follow the changes in stock prices. It is also important to understand the difference between a US resident and a US citizen when regulating financial systems with service providers.
Therefore, a provider may decline to give access to its services based on citizenship and tax status only.
Which Platforms Allow US Residents to Buy Tokenized Stocks?
Some companies allow US citizens to buy tokenized securities, while others do not give access to their products outside of the US.
| Platform or Product | US Availability | What Investors Should Know |
| Dinari Securities | Available to eligible US customers | The company grants stock investment opportunities via an SEC registered broker-dealer and marks transactions in the form of dShares. |
| Ondo through Oasis Pro Markets | US offering for selected securities | This platform has a distinct regulated structure with some tokens. |
| Ondo Stocks (global product) | Not currently Available | This service is available for customers outside the US. |
| xStocks | Not currently Available | Tokenized stock offers are unavailable in the USA. |
| MetaMask’s Ondo integration | Not currently Available | Its tokenized stock integration excludes the United States. |
Dinari: A Route for US Investors
Dinari allows American clients to use its services in order to purchase stocks by signing up for an account with Dinari Securities LLC, which is registered with the SEC and is a member of FINRA.
This platform can demonstrate the ownership of the stock on the blockchain via dShares. According to the company, the platform states that customers are interested in stocks that are stored in their accounts without creating any investment robbery with that ownership.
Dinari makes everything on its own and also deals with Alpaca Securities LLC, which is the platform that holds stocks and cash and processes orders and dividends and tries to pay attention to all actions done with stocks.
To use the platform, the customer is required to verify his identity and gain eligibility.Based on the documentation available, the USDC stablecoin is one of the numerous payment methods to be used by the clients who pay for the services. The information provided about the dShares emphasizes the difficulties in their transferring and using in the DeFi-connected applications.
Ondo Offerings Should Not Be Misunderstood with the Offerings of the Company to the USA Investors
The company Ondo may introduce its two offerings but doesn’t intend to confuse the American clients in their choice.
The first offer is called Ondo Stocks which refers to the global offering, i.e. tokenized shares and exposure to ETF for eligible customers in non-US territories. According to the information published on the website, the product is not designed for customers who are located in the US as well as for people who have the US citizenship.
Oasis Pro Market (offer for the USA). The company Ondo issued its announcement about the approvals from FINRA in July 2026. These approvals allow introducing the tokenized shares and funds in the USA market.
The company also provided the announcement about its future offer, which will be limited and include the stocks of companies like Micron and the iShares Core S&P 500 ETF (IVV).
The offer for the USA has a different structure, as the stocks are managed according to the custody agreement. Consequently, the international Offer of Ondo Stocks is not available for the citizens of the USA. The clients are recommended to check the special offer they are interested in before opening any account.
Why Can’t Americans Access Certain International Services?
Some of the international tokenized securities are designed to cater to international investors.
- Ondo Stocks: The global offering cannot include American citizens, hence the users must meet eligibility rules set by the jurisdiction.
- xStocks: The terms and conditions for xStocks make it clear that US is one of the prohibited countries.
- MetaMask: Users located within the borders of the US and other banned spots cannot use functions related to Ondo tokenized stock.
What Are the SEC Opinions on Tokenized Stocks?
According to the SEC’s announcement dated January 2026, the use of blockchain technology makes it impossible to lose the character of a financial instrument.
The organization offers two options:
- Tokenized by the Issuer: This type of tokenization enables the investor to invest in the securities when the issuer of the securities takes part in the issuance and registration of the tokens.
- Tokenized through a Third Party: In this instance, the token is created by a company which is neither the issuer nor related to the issuer of the security and can use custodians providing shares and other services.
In What Way Can American Investors Buy Tokenized Stocks?
Dinari is one. It is necessary to open a brokerage account instead of simply converting the currency into tokens through a foreign exchange.
- Check eligibility. Learn Dinari’s requirements for US clients.
- Choose a platform. Go to Dinari’s platform or the right integration.
- Go through identity verification. Give the required data, including personal information, address, and tax details.
- Read the agreement. Review the brokerage agreement about terms and fees.
- Deposit money into the account. Choose one of the alternatives offered by the platform. In accordance with Dinari’s American documents, it is possible to use USDC.
- Choose a stock. Check its price and everything about its features.
After performing the transaction, the shares will appear on the platform as dShares on the blockchain. That is because dShares represent the broker’s position but do not act as an independent financial instrument.
In general, it does not matter whether there are specific variations depending on the platform and the partners, and essentially one should always check the current instructions before sending any funds.
Risks of Buying Tokenized Stocks in the USA
There are some risks that you should consider when buying tokenized stocks in the USA.
Risk of Compliance with Regulations
Some tokenized securities may be unavailable due to the person’s citizenship, residency, or some other factors specified by the issuer (provider) of the tokenized stocks. These changes in the terms of the tokenized security are brought about by new regulations.
Counterparty and Issuer Risks
It is assumed that when investing, a person might rely on some players in the financial market, such as an issuer, broker-dealer, or custodian. Therefore, their actions are going to affect the investment.
Risk of Lack of Liquidity and Redemption
There may be fewer buyers and sellers of tokenized stocks, which will create some liquidity problems.
Technology and Wallet Risks
If it is a self-custody wallet, the investor must take care of the safety of the keys. One should bear in mind that any action concerning transfers and attacks on the wallet can lead to the loss of the cryptoassets.
Risk of Taxes
Tax implications should be taken into account while buying or selling the tokenized stocks.
Frequently Asked Questions
Here are the most commonly asked questions about buying tokenized stocks in the U.S.
Can US citizens buy tokenized stocks?
Yes, if the issuer meets certain criteria, US citizens will have access to certain tokenized stocks. However, a person’s citizenship does not mean that he/she is eligible for purchasing it.
Is it legal to buy tokenized stocks in the US?
Certain tokenized stocks are going to be offered to residents of the USA by the provider that complies with all relevant laws concerning tokenized stocks. However, it does not mean that all products will be available for residents of the USA.
Are US residents able to acquire Ondo tokenized stocks?
Unfortunately, Ondo does not offer its international product to US residents. However, the company is going to offer its product for US customers using another partner.
Can Americans acquire xStocks?
No. The platform clearly states that it will not provide its tokenized stocks product for residents of the USA.
Will I receive the rights of the shareholder after purchasing the tokenized stocks?
Yes, it will depend on the specific type of stock the investor buys. Some stocks will correspond to actual stocks, while others will provide only the exposure towards the price of the asset.
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