In theory, many ideas can seem tempting or even foolproof, but how they translate into results is what can redefine the market. Real-World Assets (RWAs) emerged as an opportunity to bring mainstream attention to markets previously considered prohibitive.
There are concrete examples where the tokenization of real assets has proven competent in this financial inclusion process, as PanoramaCrypto lists below.
BlackRock BUIDL: Large-Scale RWA
This institutional liquidity fund was created by the world’s largest asset manager. It launched in March 2024 via the Ethereum network, expanding to other blockchain ecosystems like Solana and Polygon.
According to information from KuCoin, the project’s assets under management totaled US$1.95 billion in March 2025, representing a 192% increase from the previous month.
Each share, to date, is priced at US$1 and offers an annual percentage yield (APY) of 4.5%.
PAXG: Buying Gold Made Simple
Paxos Trust Company LLC, an institution regulated by the New York State Department of Financial Services (NYDFS), created an RWA that offers gold ownership at more accessible prices than on stock exchanges.
All commodity reserves are regularly audited, ensuring that the digital funds are properly backed.
Unlike traditional stock market tokenization, RWAs allow real assets to be divided into smaller portions. This reduces the unit value of each token, enabling individuals with more modest portfolios to participate.
Synthetix: Synthetic RWAs at Your Disposal
This derivatives platform has a different business model: it’s a decentralized finance (DeFi) protocol that allows the creation and trading of synthetic assets, also known as synths.
Synths are digital assets that track the price of other assets. For example, sXAU (Gold) and sTSLA (Tesla) are synthetics that offer exposure to the price of their respective underlying assets.
Speculative strategies can be built through these digital assets, as they provide new investment modalities for users. For example, certain cryptocurrencies can be used for staking, which is a virtual currency mining mechanism capable of paying dividends periodically, like a type of savings account.
RealIT: Real Estate Enters the RWA Market
Known as one of the most important markets in the world among investors, the real estate sector features RealIT: a financial application platform offering fractional and tokenized ownership of developments.
Although the service is limited to properties in the United States, users from anywhere in the world can invest. Generally, the average rental income (which is distributed proportionally to investors) ranges from 6% to 16% per year.
In addition, RealIT is responsible for managing the properties. Professionals are selected to find tenants, collect rents, and carry out timely repairs.
Goldfinch and Centrifuge: Differentiated Loans
Seeking credit can be a good strategy to ease monthly bills and expand businesses. Instead of traditional banking institutions, the Goldfinch and Centrifuge platforms provide ecosystems where peer-to-peer (P2P) loans can be made securely, often with lower rates than those offered by traditional means.
According to information from CRECI-PR (in Brazilian Portuguese), Brazil has one of the most expensive real estate credits in the world. The survey was conducted by AT Kearney, which states that the country only loses to Russia (14% per year, on average).
In a scenario where almost half of the population is delinquent, as pointed out by Valor Econômico, more economical solutions can be a safety valve against the effects of monetary inflation.
RWA Matures Every Year
In February 2025, Cointelegraph reported that despite cryptocurrencies falling at the time, RWAs continued to grow. The market reached a historic high of US$17 billion, representing a favorable trend for the sector.
Approximately 69% of the value in circulation refers to tokenized private credit. This data reveals, perhaps, one of the most interesting sectors to explore.
Due to market dynamism, this trend is expected to be reshaped over the years. During periods of sharp financial crises and global political tensions, the demand for accessible credit tends to increase. While there is peace and some degree of economic balance, diversification usually takes precedence.
