We present the multi-wavelength analysis of the tidal disruption event (TDE) AT~2018hyz (ASASSN-18zj). From follow-up optical spectroscopy, we detect the first unambiguous case of resolved double-peaked Balmer emission in a TDE. The distinct line profile can be well-modelled by a low eccentricity ($eapprox0.1$) accretion disk extending out to $sim$100 $R_{p}$ and a Gaussian component originating from non-disk clouds, though a bipolar outflow origin cannot be completely ruled out. Our analysis indicates that in AT~2018hyz, disk formation took place promptly after the most-bound debris returned to pericenter, which we estimate to be roughly tens of days before the first detection. Redistribution of angular momentum and mass transport, possibly through shocks, must occur on the observed timescale of about a month to create the large Ha-emitting disk that comprises $lesssim$5% of the initial stellar mass. With these new insights from AT~2018hyz, we infer that circularization is efficient in at least some, if not all optically-bright, X-ray faint TDEs. In these efficiently circularized TDEs, the detection of double-peaked emission depends on the disk inclination angle and the relative strength of the disk contribution to the non-disk component, possibly explaining the diversity seen in the current sample.
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