In this article, youâll see how xStocks can sit alongside your usual crypto tokens and stables in a single TON wallet. Weâll look at what role xStocks play in that mix, walk through a few example allocations in table form, and point out the main risks so diversification actually changes your portfolio behavior instead of just adding more tickers.
Most on-chain portfolios look âdiversifiedâ only at first glance. You might hold ten different tokens across a couple of protocols. But if they all tend to pump and dump together, youâre not really diversified â youâre just exposed to the same kind of risk in many flavors.
xStocks give you another option: you can keep everything on-chain, in your TON wallet, and still add exposure to the real-world stock market.
Letâs unpack what that means in practice and how to use xStocks to make your portfolio diversified.
Quick recap: what xStocks actually are
âšď¸ xStocks are tokenized representations of the real-world stocks and ETFs, fully backed by real securities held in regulated custody. They live on TON as jettons and are available 24/7 on STON.fi with:
- Instant settlement
- Low fees
- Full self-custody in your TON wallet
So âAAPLxâ is a tokenized Apple share, âSPYxâ is a tokenized S&P 500 ETF, and so on. You can swap into them on STON.fi the same way youâd swap into any other token.
The important part for this article: xStocks donât move exactly like the rest of your crypto stack. Thatâs what makes them useful for diversification.
What diversification really does for you
Diversification is not about holding as many tickers as possible. Itâs about not having your entire net worth depending on the same story.
If everything you hold:
- reacts to the same headlines,
- is priced mainly by crypto sentiment, and
- tends to crash together on bad days,
then youâre not diversified, even if you canât fit all your tokens on one screen.
A more useful way to think about diversification:
- Combine assets that behave differently
- Keep part of your portfolio in things that donât instantly follow every crypto mood swing
- Make sure one bad bet doesnât drag everything down with it
| xStocks help with exactly this: they are still on-chain and under your control, but they track traditional markets, not just crypto narratives. |
The three-bucket view of an on-chain portfolio
A simple way to structure your thinking is to split your on-chain portfolio into three buckets:
| Bucket | Typical assets | What it does in your portfolio |
| Crypto-native | Tokens of blockchains and DeFi protocols you use; higher-risk tokens you hope will grow a lot | Main engine of upside; very high volatility; strongly tied to crypto market cycles |
| Tokenized traditional assets (xStocks) | Broad stock market ETFs; sector/thematic ETFs (like tech or energy); large, well-known companies | Adds exposure to the real economy; usually lower correlation to pure crypto; smooths drawdowns and makes performance less extreme |
| Stability & liquidity | TON; stablecoins; short-term or âcash-likeâ on-chain assets | Dry powder and safety buffer; lets you rebalance and buy dips without panic |
xStocks live in the middle bucket. They donât replace your crypto bets, and theyâre not the same as stables.
Simple example mixes (not financial advice)
đ These are examples to illustrate the idea and do not constitute investment advice, investment recommendations, or portfolio allocations. Theyâre not suitable for assessing individual finance situations and do not consider personal circumstances, objectives, or risk profiles. They are not tailored to your situation. Percentages are only examples to present the idea.
| Illustrative example | Crypto-native tokens | xStocks | TON / stablecoins | What this feels like |
| Mostly-crypto, slightly smoother | 60% | 25% | 15% | Still very crypto-heavy, upside mostly driven by tokens; xStocks add some stock market exposure; a small buffer helps you survive dumps without panic. |
| âBridgeâ example | 40% | 40% | 20% | Balanced mix of crypto and stock market; about half of your stack tracks the real economy; you stay fully on-chain and self-custodied. |
| Conservative DeFi user | 25% | 50% | 25% | Focus on staying on-chain with more moderate risk; more ETFs and large caps, fewer wild bets; crypto is still there, but not running the whole show. |
đ The percentages shown are arbitrary examples chosen solely to demonstrate relative proportions and should not be interpreted as suggested allocations.
How xStocks may fit into an on-chain portfolio
You donât need spreadsheets or optimization formulas to get value from xStocks. A simple process is enough.
- Look at your current mix honestly. Ignore how many tokens you hold. Ask: âIf crypto drops 50%, what happens to almost everything I own?â
- If the answer is âit all drops togetherâ, youâre crypto-concentrated.
- Decide what share you want in xStocks. For a first step, even a smaller portion of your on-chain portfolio in xStocks is already meaningful diversification.
- Start with simple xStocks. Begin with broad ETFs and big, understandable companies:
- Index-style xStocks that cover many companies at once
- Only a couple of individual names you actually follow
Avoid building a âstock-picking hedge fundâ on day one.
- Write down a basic rule for rebalancing
For example (illustrative only):- âOnce a month I check my buckets and move them back to 60/25/15â
or - âIf xStocks fall below 15% or above 35% of my portfolio, I rebalance.â
- âOnce a month I check my buckets and move them back to 60/25/15â
The percentages are purely illustrative, chosen solely to demonstrate relative proportions, and do not represent suggested allocations.
- Keep everything under one set of keys. Your cryptos, your xStocks, your âcash-likeâ holdings â all live in your TON wallet. Thatâs the whole point: no extra apps, no extra custody layers.
đ The above-mentioned section provides conceptual examples for educational purposes only.
How STON.fi and TON change the diversification story
The same âmix assetsâ story looks very different through traditional brokers:
- You open accounts
- You pass KYC/AML
- You accept that the broker technically holds your assets
- You operate only during market hours and local holidays
With xStocks on STON.fi:
- No gatekeepers
You swap into xStocks directly from your TON wallet. No paperwork, no approvals, no âlimits raised in 2â3 business daysâ. - Self-custody, end to end
Your crypto and your xStocks live under the same keys. Thereâs no broker who can freeze your account while âreviewing activityâ. - Always-on markets
Want to move from a meme token into an ETF-style xStock on Sunday night? You can. Your diversification is not restricted by exchange opening times. - Same DeFi UX for all buckets
You donât switch mental modes between âbroker appâ and âDeFiâ. Everything is on-chain, under one interface.
Risks you still need to respect
Diversification with xStocks is a tool, not a spell. A few things to keep in mind:
- Stock market risk. xStocks follow the underlying stocks and ETFs. Those can drop hard during crises. Tokenization doesnât cancel that.
- Issuer and backing risk. xStocks rely on proper custody and proof of reserves. Other articles in this series explain how that works and how you can verify it, but you should be aware this layer exists.
- False sense of safety. Holding âmore different thingsâ can feel safer than it is. If you only buy high-growth tech stocks on the xStocks side and high-risk tokens on the crypto side, youâre still concentrated.
- Behavioral risk. 24/7 availability is a gift and a trap. Rebalancing is good; compulsive tinkering usually isnât.
Wrapping up
If you treat xStocks as a middle bucket between pure crypto bets and stable assets, they give you something DeFi has been missing: a way to stay fully on-chain and fully self-custodied, while not having your entire life savings ride on the next crypto cycle alone.
â ď¸ xStocks are not available to citizens or residents of the United States, any EU/EEA member state, the United Kingdom, Canada, Australia, Belgium, or any other jurisdiction where access to tokenized securities or assets is restricted or prohibited.
