# Overview ## About TBook TBook is the first embedded RWA liquidity layer that brings institutional-grade tokenized yield into user-facing apps. Through a single integration, apps can generate RWA-backed yield on idle customer balances, while RWA issuers unlock liquidity they could not access on their own. ## TBook’s Edge ### A thriving ecosystem TBook powers capital flows throughout a network of Web3 projects, RWA issuers, traditional companies and a diverse base of users. * **200+** Web3 projects actively use TBook to verify user credentials and distribute assets; * **22.6M+** on-chain users across **4.8M+** linked social accounts have claimed **16.7M+** tokenized assets via TBook; * **18.9M+** users have minted TBook WISE Credit Scores, capturing the value of their digital footprint; * Growing partnership network with leading L1s, major institutions and RWA distribution partners, including: * **Omnipay:** Philippines’ largest payments infrastructure provider and first non-bank institution granted an EMI license. * **Mysten Labs:** TBook partners with Mysten Labs to drive mass adoption of RWAs and stablecoins on Sui. * **R25:** Leading RWA protocol onboarding a broad range of institutional-grade RWAs on chain, including RWA assets with technology services provided by Ant Digital Technologies. ### Engineered for Interoperability TBook unifies three missing primitives into one embeddable stack: * Identity: Portable, verifiable Passports that anchor user reputation across ecosystems. * Intelligence: WISE Scores that turn contribution data into transferable reputation and creditworthiness. * Smart Settlement: Programmable flows where stablecoin and RWA payouts settle instantly, vest automatically, and earn yield on-chain. Together, these layers transform blockchains from passive ledgers into active coordination engines—where work, payments, and incentives operate as one programmable system. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.tbook.com/tbook/introduction/overview.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.