Proposal: Polkadot Onchain Treasury Diversification via Colb’s Tokenized RWA Strategies

Overview

Colb is an institutional-grade RWA tokenization platform enabling diversified strategies such as equities, debt, and cash equivalents to be brought onchain.

We invite for the diversification of the Polkadot on-chain Treasury — allocating a portion of its holdings into Colb’s tokenized strategies, including the Balanced Portfolio Strategy (CBAL) and T-Bills (CTB), to enhance stability, generate sustainable yield, and expand the Treasury’s on-chain diversification.

Website: colb.finance Twitter: @ColbFinance

Abstract

Colb connects TradFi-grade investment strategies with Web3-native infrastructure, enabling onchain access to tokenized products such as pre-IPO equities, U.S. Treasuries, and high-yield emerging market debt. Our mission is to deliver risk-adjusted yield strategies that are compliant, transparent, and composable across ecosystems.

We propose the allocation of part of the Polkadot onchain treasury into CBAL (Colb Balanced Portfolio), which provides diversified exposure across equities, debt instruments, and cash equivalents.

Ecosystem adoption has already started — Moonbeam, a leading Polkadot parachain, has invested $500k into Colb products, demonstrating conviction from within the Polkadot community.

Colb was also recently recognized as the Polimec × Scytale Academy Winner (announcement), highlighting the innovative tokenized traditional Swiss wealth management products.

Motivation

Treasury diversification into RWAs presents an opportunity to:

Strengthen stability through exposure to regulated, real-world instruments such as T-bills.
Enhance returns with access to high-yield strategies, such as emerging markets debt (>10% target yield).
Support ecosystem alignment by investing in RWA infrastructure being deployed on Moonbeam, a core Polkadot parachain.
De-risk treasury with regulated, real-world instruments like Treasuries and investment-grade credit.

By positioning Colb as an RWA issuer within Polkadot (already on Moonbeam), the Polkadot on-chain treasury will catalyze a new layer of adoption, enabling capital allocators across the ecosystem to access institutional-grade yield strategies onchain.

Colb Strategies

1. Colb Balanced Portfolio (CBAL)

CBAL is Colb’s flagship diversified strategy, designed as a multi-asset portfolio token that combines exposure to:

Allocation: 40% equities, 40% alternatives, 15% fixed income, 5% cash.
Target return: 8-10% annualized.
Risk: Medium – diversified, multi-asset.
Minimum investment: $100k.
Liquidity: Monthly liquidity with 35-days’ notice.

CBAL provides risk-adjusted allocation that balances growth and stability, making it an ideal vehicle for long-term treasury diversification. Tokenized onchain, it enables instant settlement, transparency, and global accessibility without the friction of traditional custody.

Managed by NS Partners, one of Geneva’s most established wealth and asset management firms, CBAL combines institutional-grade portfolio management with Colb’s tokenization infrastructure—offering the perfect complement to T-bill and stablecoin strategies.

2. Colb T-Bill Strategy

The Colb T-Bill product is a tokenized exposure to short-term U.S. Treasury Bills, widely recognized as the global risk-free benchmark.

Backing: 100% short-term USD Treasuries (via Swiss private bank mandate).
Target return: 3.5%-4% p.a. (aligned with risk-free rates).
Liquidity: D+1.
Use Case: Ideal for treasury cash management, providing safety, liquidity, and predictable returns while staying composable with DeFi protocols on Polkadot.

This strategy transforms the traditional “cash position” into a yield-bearing, onchain-native instrument. The mandate is executed in partnership with StoneX, a Fortune 100 financial services firm and one of the world’s leading providers of institutional trading, clearing, and execution. StoneX serves more than 54,000 commercial, institutional, and global clients across over 180 countries, giving Colb’s investors access to deep expertise and robust infrastructure in fixed-income and treasury markets.

3. Colb Emerging Markets Strategy

The Colb Emerging Markets product offers access to principal-protected loans across emerging economies, structured to deliver attractive double-digit returns.

Backing: Senior secured, principal-protected loans originated via institutional partners.
Yield Target: >10% annually.
Diversification: Geographic and sectoral spread across creditworthy borrowers in growth markets.

This strategy unlocks a traditionally inaccessible yield stream for onchain allocators, while mitigating downside risk through loan-level protection and institutional underwriting standards.

Case Study: Colb High Conviction Portfolio 1 (CHCP1)

What it is?

CHCP1 is an Actively Managed Certificate Token (AMC) that mirrors the performance of a curated High Conviction Basket of private market and pre-IPO tech assets, combined with a safe yield allocation in U.S. Treasuries.

It brings these traditionally inaccessible opportunities onchain via Colb’s RWA tokenization infrastructure, ensuring non-custodial, compliant, legally secured digital ownership.

Colb has prepared CHCP1 for launch in September:

Product type: Actively Managed Certificate Token.
Allocation: 30% SpaceX, 30% Varda, 30% Ramp, 10% T-Bills.
Maturity: 5 years.

Thesis

Access to exclusive private market opportunities usually limited to UHNW investors, family offices, and institutions.
Diversification across high-growth tech (SpaceX, Ramp, Varda) and risk-free yield (T-Bills).
Core objective: long-term capital growth with risk management via partial allocation to Treasuries.

Portfolio Composition

30% SpaceX – global leader in aerospace innovation.
30% Varda – space manufacturing and materials company.
30% Ramp – fintech platform reshaping corporate spend management.
10% U.S. T-Bills – short-term government bonds providing liquidity and yield.

Partners & Infrastructure

Investment Advisor: Arbra Wealth Management Ltd. (London-based private market specialist)
Trustee: Colb Asset (PTC) Ltd.
Token Issuer: CPT Trust

Why It Matters

CHCP1 is one of the first tokenized, non-custodial pre-IPO baskets available onchain, combining:

Growth upside from late-stage tech companies.
Stability from U.S. Treasuries.
Compliance & legal safeguards via Colb’s RWA framework.

Future Outlook

Beyond CBAL, Colb is preparing to deploy these strategies directly on Moonbeam, ensuring they are natively integrated within the Polkadot ecosystem.

T-Bill Strategy – secure, liquid, tokenized exposure to short-term U.S. Treasuries.
Emerging Markets Strategy – institutional-grade exposure targeting yields above 10%.

By supporting Colb, the Polkadot onchain treasury would't not only be diverfisied, but will also help catalyze a new layer of RWA infrastructure across the Polkadot network.