Digital infrastructure project Finternet will go live by 2026, using tokenisation and AI (artificial intelligence) to unlock the value of fixed assets such as real estate and gold for users in India, Nandan Nilekani, co-founder and chairman of Infosys, said at the Global Fintech Fest 2025 in Mumbai on Wednesday.
Finternet, which was introduced in 2024 as the next wave of global digital infrastructure, is set to expand across 20 ecosystems in four continents with live implementation across multiple sectors by 2026, added Nilekani.
Highlighting how Indians usually park most of their assets in real estate and gold, Nilekani pointed out that there was a need for a framework to tokenise different assets with all its attributes, making it transactable, verifiable and transferable, to unlock its true value.
“Is there a way to think about how do we take these assets, unlock that in a way so that people benefit? We think that tokenisation and AI will catalyse this change,” said Nilekani.
Finternet will make it easier to avail credit on their tokenised assets after verification through their digitised documents on digilocker, upskill and add verifiable certification to their profile or invest in assets with verifiable tokens, among multiple use cases. Some of the use cases were demonstrated by Nilekani and CEO of Finternet Labs, Siddharth Shetty, with agentic AI ‘Finny’ aiding in user-friendly querying of services and solutions.
Finternet is currently piloting applications for identity, sustainability, credit and cross-border financing with various players. It is working with over 30 ecosystem partners, including the likes of public blockchain platform Solana, custody and wallet infrastructure platform Liminal, ethereum-compatible blockchain Monad protocol and others.
“How to create an overall framework keeping in consideration all kinds of assets at scale within full regulatory compliance—you can do that only with proper architecture, which is what the Finternet architecture has done,” said Nilekani.
He added that this was important as the “noise” around tokenised assets has been largely focussed on cryptocurrencies and other assets which fall outside the regulatory framework.
He said using the technology within the framework will open new market opportunities and businesses.
First Published: Oct 09, 2025, 13:55
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