Aadhaar Creator Nandan Nilekani to Launch ‘Finternet’ in 2026: Real Estate, Gold, and Bonds to Become Digital Tokens for Instant Deals

After revolutionizing India’s identity ecosystem with Aadhaar, Infosys co-founder Nandan Nilekani is set to transform the world of finance and property investment with his new digital innovation — Finternet. Expected to launch in 2026, Finternet aims to redefine how people invest in real estate, gold, silver, bonds, and deposits by converting these physical assets into digital tokens that can be traded securely and instantly.

What Is Finternet?

Finternet is a universal digital public infrastructure designed to make financial transactions faster, safer, and more accessible. The platform will enable tokenization of traditional assets, allowing users to purchase fractional ownership in properties or commodities just as easily as sending money through UPI.

In simple terms, Finternet will unlock the “locked value” of assets like land or gold — giving small investors the opportunity to participate in large-scale investments that were previously out of reach.

How Finternet Will Work

At its core, Finternet functions as a regulated, AI-driven digital network connecting multiple financial and asset-based ecosystems. Here’s how it will revolutionize the process:

• Tokenization of Assets:
  Assets such as real estate, gold, bonds, and deposits will be transformed into digital tokens, each representing a fractional ownership of the asset. This allows even small investors to invest in high-value assets with minimal capital.

• AI-Integrated Framework:
  Artificial Intelligence will play a key role in asset valuation, verification, compliance, and digital identity management. This ensures transparency and prevents fraudulent transactions.

• Universal Access:
  Finternet isn’t limited to India — it’s being developed for global use in markets such as Singapore, New York, San Francisco, and Switzerland. This cross-border accessibility could turn Finternet into a global financial infrastructure for digital asset exchange.

• Instant, Secure Transactions:
  Transactions on Finternet will be as quick as UPI payments. Each user will have a digital profile linked to their verified identity and banking details, enabling seamless and secure transfers.

• Unlocking Asset Liquidity:
  Through tokenization, Finternet aims to make traditionally illiquid assets like real estate tradable in seconds, thereby freeing up enormous amounts of locked capital.

Tokenization and AI: The Twin Pillars of Financial Evolution

According to Nilekani, the future of finance will be shaped by two powerful forces — Tokenization and Artificial Intelligence. He believes these technologies will bring about a structural transformation in how people invest and manage wealth.

“Billions of dollars locked in assets like real estate and gold can be unlocked through digital tokens,” Nilekani said. “Finternet will make it possible for everyone — not just large investors — to own a piece of high-value assets.”

This approach aims to democratize investments by making them more inclusive, efficient, and technology-driven.

Impact Across Sectors

Finternet’s launch in 2026 will likely impact multiple sectors — from real estate and fintech to commodities and finance. Startups and financial institutions can build new business models on this platform to simplify investment, asset trading, and financial services.

Experts believe that this innovation will trigger the next phase of Digital India’s fintech evolution, similar to how Aadhaar transformed identity verification and UPI revolutionized payments.

Making Property Investment as Simple as UPI

One of the most exciting features of Finternet is its simplicity. Users will be able to buy and sell property shares or tokens in seconds, using a process as effortless as UPI transactions. Since each user’s digital identity and bank information are integrated into the system, there’s no need for lengthy paperwork or manual verification.

This system ensures not only speed but also transparency — every transaction is securely recorded and verifiable on the network.

The Future of Finternet

By combining AI, blockchain, and tokenization, Finternet is set to become a global benchmark for secure digital asset trading. As it rolls out across countries and industries, Finternet could pave the way for a new era of open, inclusive, and technology-led investment.

Much like Aadhaar changed how India proved its identity, Finternet could redefine how the world manages, trades, and owns assets — with every transaction happening in just a few seconds.