Linera unlocks real‑time finance for tokenized assets and global payments. Cross‑border transactions settle instantly without intermediaries. Assets such as securities, real estate and commodities can be fractionalized, traded and transferred with low fees and no bottlenecks. Each issuer or payment system operates on its own microchain, scaling independently and avoiding congestion. Programmable finance use cases—usage‑based payments, on‑chain credit, subscription billing—run smoothly, and millions of transfers across assets and geographies execute in parallel.