2026-01-17 07:21:01

Traditional wealth management is becoming increasingly narrow. Bank fixed deposits have ridiculously low interest rates, unable to keep up with inflation; stock market volatility is also too fierce, with drops of several percentage points happening easily. Many people are pondering how to handle their idle funds well, but the threshold for DeFi looks quite high—staking, liquidity, lending contracts, all filled with professional jargon.

Until recently, I came across an interesting direction: bringing traditional financial assets onto the chain. There is a project that started with liquidity staking, now expanding into the RWA( Real-World Asset Tokenization) track. It launched this market in December last year and fully opened it in January. Simply put, it digitizes traditional financial products like U.S. Treasury bonds and corporate loans, directly trading them on the blockchain.

Now, two products are live. The first corresponds to short-term U.S. Treasury bonds with an annualized yield of 3.65% (average over 7 days). The second is linked to an AAA-rated corporate loan asset pool, with a yield of 4.71%. To compare: the spot yield of U.S. Treasury bonds is over 5%, but they require a threshold; here, 3.65% is slightly lower, but you can participate with just a few dollars, and liquidity is not bad. The 4.71% yield on corporate loans is something you simply can't access through traditional channels.

The operation process is surprisingly simple. Import USDT, instantly exchange it for the corresponding RWA tokens, all without any verification. The returns are automatically credited, and you can see the numbers grow in your wallet every day. It’s similar to buying funds on Taobao, just much faster and at a lower cost. Overall, this on-chain asset tokenization model indeed fills a gap—allowing ordinary investors to access previously high-threshold yield assets. Of course, risk assessment is still up to you: what are the underlying assets, who is the issuing institution, how is the liquidation mechanism designed—all worth in-depth understanding.

RWA-1,29%

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

16 Likes

Reward
16
10
Repost
Share

Comment

0/400

GateUser-c799715c

· 01-20 06:56

You can participate for just a few bucks, is that true? This time, it's not a trap to harvest the leeks, right?

View OriginalReply0

RektRecorder

· 01-18 15:51

How can you earn 4.71% with just a few bucks? You need to check what the underlying asset is. --- Zero-knowledge verification is a bit outrageous. It feels like the risk is buried quite deep. --- Compared to bank fixed deposits, this yield is indeed noticeable... but do you really dare to go all in? --- The RWA (Real-World Asset) concept is back again. Who profited from the last round? --- On-chain government bonds sound good, but I'm worried it might be the next scam. --- Instant exchange with zero verification— is this security enough, brother? --- Bringing traditional assets onto the chain is the right direction, but the key is whether this institution is reliable. --- 4.71% sounds great, but the real show begins during liquidation.

View OriginalReply0

GasFeeAssassin

· 01-18 05:54

Zero-authorization instant transfer? That sounds a bit too smooth.

View OriginalReply0

MidsommarWallet

· 01-17 12:17

Zero certification? Isn't that crazy? So attractive. --- RWA really has some potential, but it feels like the risks haven't been fully explained. --- A few bucks to participate, this logic is no different from Taobao funds. --- 4.71% sounds good, but how are the underlying assets actually protected? --- Traditional finance is so competitive, on-chain really has become a way out. --- U.S. Treasury bonds at 5% are blocked behind the threshold, but on-chain at 3.65% is actually more democratic, interesting. --- Simple to operate, but you still need to understand who is ultimately holding custody of this money. --- I wouldn't even dare to buy funds on Taobao, and definitely not on the blockchain, haha. --- Wait, is zero certification real? Is there any regulation in this area?

View OriginalReply0

BrokenDAO

· 01-17 07:50

Zero-knowledge verification for direct exchange? That's the problem right there.

View OriginalReply0

MetaMaximalist

· 01-17 07:49

rwa is just trad finance cosplaying as web3 tbh... but ok the network effects angle is interesting i guess

Reply0

ForkThisDAO

· 01-17 07:46

Wait, can zero-knowledge verification exchange instantly? Isn't that too risky? Really? A 4.71% return is so high, aren't you afraid of跑路? Moving US Treasury bonds onto the chain sounds good, but who will guarantee the underlying assets? You can play corporate loans for just a few bucks, this needs a deep dive. Moving traditional finance onto the chain sounds fresh, but I don't dare to act without understanding the liquidation mechanism.

View OriginalReply0

DustCollector

· 01-17 07:41

The real profits are hidden deep by capitalism --- Zero certification? That's outrageous. Who guarantees it's not just another way to cut the leeks --- Just beat bank interest rates, don't overthink the rest haha --- US debt 5% but you insist on 3.65%, I don't understand this logic --- RWA sounds fancy, but honestly it's still a credit issue --- On-chain is safe? I always feel like gambling --- This yield looks tempting, but who has really checked the underlying assets --- You can lose money buying funds on Taobao, is it funnier on the chain? --- Participating with just a few bucks is the easiest way to cut retail investors --- Automatic interest calculation sounds great, but what if the project team runs away --- AAA-rated loans? I stopped trusting the US rating system long ago --- Good liquidity, huh? If it really gets urgent, we'll see if you can withdraw then

View OriginalReply0

Ramen_Until_Rich

· 01-17 07:40

Nah, zero-knowledge verification and direct deposit? That logic is a bit... how should I say it. It's both RWA and on-chain, sounds high-end but still depends on what's underneath. A 4.71% return sounds good, but who's going to guarantee it? If traditional channels can't reach it, isn't there a reason? Even a few dollars to participate, so we should be more cautious.

View OriginalReply0

SandwichHunter

· 01-17 07:33

Zero-knowledge instant exchange? Isn't this just the formal entry of traditional finance?

View OriginalReply0