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關於tbook
TBook 是一個模組化的區塊鏈激勵層，讓應用程式能透過單一 API 整合代幣化真實世界資產（RWA）與穩定幣收益。其核心產品包括 Settlement & Save（負責 USDC、USDT 等穩定幣的存款、轉帳、提款與收益）以及一個結合 Incentive Passports 與 WISE Scores 的身分／信用系統。主要價值主張是將區塊鏈轉化為主動協調引擎：身分錨定用戶聲譽，智慧系統將貢獻數據轉化為信用價值，而智慧結算則能自動化附帶歸屬期與收益的款項發放。市場痛點包括：T-Bills 與債券基金等 RWA 被困在既有系統中，造成高費用與結算延遲；創作者面臨緩慢的收款與缺乏信用管道；匯款用戶則因手續費與閒置餘額而損失價值。TBook 透過提供通往監管收益的可程式化閘道、將驗證過的動作對應到獎勵，以及實現基於穩定幣的匯款（閒置資金可產生收益）來解決這些問題。在過去六個月（2026-03-12 至 2026-09-12），生產環境的 Settlement & Save 已於 2026-08-19 上線，WISE Scores 超過 1,890 萬，整合的專案數達 211 個，在 2,260 萬用戶中已申領資產達 1,670 萬。合作夥伴關係擴展至創作者經濟（與 SSN 合作）及匯款領域（與 OmniPay 合作）。在 TON 上，已鑄造超過 230 萬張 Incentive Passports，每月活躍用戶超過 35 萬。搜尋結果中未回報任何重大負面事件。
TBook closed a new round led by SevenX Ventures on 9 January 2026, with Mask Network, family offices and existing investors participating, bringing total funding above US$10 million; the $BOOK TGE targeted for Q1 2026 did not take place and no new date had been set as of mid-October.
On 29 June tbook formed a strategic partnership with Nigerian payments group Paga to offer tokenized RWAs on Sui to African retail users from a US$100 minimum, distributed through Paga's regulated entities and the Paga Engine platform.
tbook's roadmap for the rest of 2026 covers Phase 1 $BOOK utility, RWA distribution vaults and embedded treasury products, multi-chain expansion to BSC, Solana and Base, followed by DAO governance and fee-reduction features in Phase 2.
Nicholas Young — Co-founder; more than 16 years in AI and blockchain; previously led AI innovation at JD.com; co-founded TBook in New York in 2023.
Peter Lyu — Co-founder; works on StableFi and onchain identity products.