Why the biggest money in crypto is moving into RWAs (and HOW to tap into it)

Andre Costa
Published on:
Mar 17, 2025
8
mins read
Strategy
Development

Most crypto projects today are just looking for problems to solve.
Meanwhile, the real world has hundreds of trillions of dollars locked up in assets.
These assets are hard to buy and sell.
Most people can't access them.
And they're managed by old systems full of middlemen who take big cuts.
This is where blockchain can make a real impact.
DeFi is cool, but the real billions are in tokenized real estate, treasuries, and loans - real stuff that makes real money.
So in the next few minutes,
I'll show you why RWAs are crypto's future and how you can start your own...
To get big money backing you, create steady income streams, and build something that lasts.
The RWA market is growing fast... but most crypto founders are missing it.
Studies show that the tokenized asset market will hit $16 trillion by 2030.
Real estate alone will make up about $5.3 trillion- one-third of the market.
BlackRock, which manages over $10 trillion, isn't just testing the water - they're diving in headfirst.
After launching their Bitcoin ETF this year, they plan to tokenize $10 trillion worth of assets with Securitize.
In March 2024, BlackRock launched its BUIDL fund on Ethereum. It holds real U.S. Treasury bills and repo agreements.
This fund got $245 million in its first week and became the world's largest tokenized fund in less than 40 days.
Other big players are joining in too.
State Street is working on tokenized bonds and money market funds.
They're creating projects to tokenize money funds and bonds, aiming to finish next year.
These aren't small tests - these are major shifts in how the biggest finance firms see blockchain.
But, if you don't understand RWAs yet...
If you don't know what an RWA is, how it works, or what it can do for your project,
I shouldn't jump into how to build one.
Let's get clear on what we're talking about first.
Real-world assets (RWAs) in blockchain are digital tokens that stand for physical or financial assets.
Cash, gold, stocks, bonds, and pretty much anything else of value in the "real world."
Think of it like this...
Remember trading Pokémon cards as a kid?
Each card stood for a character with powers, making it easy to trade instead of swapping the actual creatures.
RWAs work the same way.
But instead of Charizard, you're trading pieces of real things - like a building or a loan.
Here's a more relatable example to help you understand.
There's a $10 million apartment building making $800,000 a year in rent.
Normally, you'd need big money and connections just to look at this deal.
With tokenization, that building gets split into 10 million tokens worth $1 each.
Now anyone with a hundred bucks can own a piece...
Get their share of the rent each month...
And sell whenever they want with a few clicks.
No real estate agents, no paperwork, no waiting months to close.
This same idea works for many valuable things:
Bonds paying steady interest
Invoices waiting to be paid
Gold sitting in vaults
Commercial property leases
Private company shares
Art, watches, classic cars
Here's the big picture...
RWA tokenization is the biggest market chance in blockchain, worth hundreds of trillions of dollars.
DeFi proved blockchain works great for finance, but most of the world's wealth still sits outside crypto.
RWAs are the bridge bringing that huge pool of value onto the blockchain.
How bringing Real assets On-Chain changes everything
Putting real-world assets on a blockchain isn't just making things digital - it changes how these assets work in ways that create huge value.
Here are four big reasons why this is a game-changer.
1. Making Things Easy to Buy and Sell
The biggest problem with valuable assets is they're hard to sell quickly.
Try selling 15% of a building, 30% of some bonds, or half of a wine collection.
In normal markets, you sell all or nothing, often at a big discount just to find a buyer.
Tokenization breaks these limits.
By splitting ownership into standard, tradable pieces, frozen assets become liquid.
Global 24/7 markets mean your tokens can be bought or sold right away, anytime, from anywhere - with deals closing in minutes not weeks.
This change alone creates huge value by removing the "discount" that comes with assets that are hard to sell.
2. Opening Access to Everyone
For years, the steadiest, best-performing assets have been locked behind wealth rules, location limits, and insider networks.
If you want in on that real estate fund making steady 8-12% returns?
You need at least $250,000 and must be an "accredited investor."
Interested in those bonds yielding 7%?
You need at least $100,000 and the right contacts.
Tokenization removes these barriers.
A teacher in Thailand can own the same quality assets as a banker in Switzerland,
With no high minimums, no special access needed, and no location limits.
This isn't just good for small investors...
It also brings more money to these assets, making them worth more and creating better markets.
3. Assets That Work On Their Own
This is how blockchain really changes things.
Normal assets just sit there - needing people and paperwork to do anything.
RWAs powered by smart contracts can take actions by themselves based on set rules.
For example:
A tokenized rental property that pays all token holders the moment rent comes in
Bonds that pay interest right when it's due
Invoice tokens that pay holders as soon as a business pays its bill
Real estate tokens that put some rent money aside for repairs
No waiting for checks. No chasing payments.
No missed payments because someone forgot to do the paperwork.
4. Clarity You Can See and Trust
Remember the 2008 financial crisis?
A big part of the problem was that no one, not even the banks, could track who owned what or how risky things were.
With tokenized assets, everything changes.
Who owns what, income and costs are all recorded on-chain, clear, and checkable by anyone.
Makes it nearly impossible to fake numbers
Shows real-time asset performance
Creates permanent records of all deals
Makes system-wide risk visible and measurable
This isn't just nice to have -
It cuts down big risks by making it harder for a few insiders to game the system at everyone else's expense.
Some projects that are already making BANK with RWAs
Many projects have already shown that the RWA model works in the real world.
They're successfully tokenizing assets like real estate, bonds, and goods, making them easier to access, buy, sell, and track.
Some examples:
1- Ondo Finance has figured out how to bring traditional fixed income on-chain.
With over $300 million locked in, they tokenize U.S. Treasuries and money market funds, creating tokens that earn more than most DeFi with less risk.
Their OUSG token (representing short-term U.S. treasuries) has grown 215% over the past year.
While DeFi yields bounce all over, Ondo has given steady returns that beat inflation while keeping the safety of government-backed assets.
2- Goldfinch took a different path, focusing on real-world loans to businesses in growing markets.
They've given over $150 million in loans to real companies in places traditional finance often skips.
Their smart move was connecting crypto money with real-world borrowers who need it, creating stable 10-15% yields backed by actual business activity.
With loan repayment rates above 90%, they've proven their model works while bringing funds to underserved markets.
3- Centrifuge is the original pioneer in RWAs. They've tokenized everything from invoices to shipping cargo to real estate.
With over $200 million in real-world assets on-chain and partnerships with major finance players like Aave, they're growing fast.
What makes Centrifuge special is its complete solution for bringing any real-world asset on-chain, with all the legal and operational parts needed to make it work.
4- Mantle focused just on institutional-grade assets, bringing billions in corporate bonds and commercial paper on-chain.
By targeting assets that traditional institutions already understand, they've created one of the fastest-growing systems in crypto, connecting traditional markets with DeFi.
And so what’s common is that…
All these projects make money from real economic activity, not just token trading.
That's why they keep performing even when the broader crypto market crashes.
Unlike most crypto projects chasing theories, these RWA protocols solve a real problem,
Connecting the hundreds of trillions in off-chain assets with the better financial system of blockchain.
Here’s how to build YOUR own RWA project in 6 simple steps

Now that you get what RWAs are, how they can transform your crypto project, and why the biggest players are investing in them...
I won't leave you guessing on how to build one yourself.
Here's a simple roadmap to get you started:
Step 1- Choose the Real-World Asset to Tokenize
First, pick the type of asset you want to tokenize.
RWAs can include:
Real Estate (office buildings, rental properties)
Commodities (gold, silver, oil, farm goods)
Debt Instruments (bonds, invoices, income streams)
Luxury Goods (art, classic cars, collectibles)
Private Equity & Funds (shares in private companies, investment funds)
Your choice affects the legal setup, tech needs, and how easily your asset can be bought and sold.
Step 2- Set Up the Legal Framework & Compliance
Tokenizing RWAs means following rules to keep things legal and protect investors.
Key Things to Consider:
1- Pick the Right Country: Choose a place with clear tokenization rules (like Switzerland, Singapore, Dubai, U.S.).
2- Securities Rules: Depending on where you are, your RWA tokens might be seen as securities (like with the SEC in the U.S.).
3- KYC & AML: Set up solid Know Your Customer and Anti-Money Laundering processes.
4- Investor Checks: If your tokens are securities, they might be limited to accredited investors.
5- Smart Contract Legal Standards: Build legal requirements right into your smart contract.
6- Ownership Rights: Decide if holders get profit-sharing, voting rights, or access to income streams.
I'd suggest talking to legal experts who know blockchain to follow the rules without the headache.
Step 3- Build Your Smart Contracts
Now for the code that makes everything work.
Your smart contracts need to handle:
How ownership gets split up - usually through tokens that work like shares or sometimes NFTs if each piece is unique
Making sure only verified users can buy in (identity checks)
Sending money to investors when profits come in
What happens if things go wrong (refunds, disputes, etc.)
There are some tested standards you can use instead of building from scratch:
ERC-3643 (T-REX Standard) works great for securities
ERC-1400 handles all the regulation stuff
ERC-1155 is good if you're mixing different types of assets
You might also want to let your investors vote on decisions through a DAO or use multi-sig wallets so one person can't run off with everything.
Step 4- Create a User-Friendly Dashboard
Next, you need a clean interface where people can interact with your tokenized assets.
Here's what it needs:
1- A marketplace where users can browse what's available - like Zillow but for tokenized assets. Show them all the numbers, legal docs, and research.
2- A smooth sign-up process that handles all the identity checks. Connect with services like Synaps, Sumsub, or Civic to make this easier.
3- Simple tools for buying and managing. People should see exactly what they own and how it's doing.
4- A transparency section with all the important stuff - legal docs, audits, valuations.
5- A system that pays out earnings when they come in. If investors get to vote on big choices, make sure they can easily do so.
6- Make it easy for investors to sell by connecting with trading pools (Uniswap, Balancer) and RWA-focused exchanges (RealT, Tinlake, Securitize, tZERO).
Step 5- Connect Real-World Money to Crypto
This is where it all comes together - connecting physical assets to digital tokens.
Handling real-world assets needs a secure bridge between off-chain and on-chain deals.
You'll need:
Ways for people to buy in with either crypto or regular money
Trusted custodians who actually hold and manage the physical assets
Smart contracts that ensure ownership transfers happen correctly
Insurance to protect against worst-case scenarios
Safety measures in your code to prevent hacks
For getting regular money in and out, services like MoonPay, Ramp Network, or Circle can save you months of work.
Step 6- Launch the Token & Make Sure It Can Be Traded
A token no one can trade is worthless. So, once your system is ready,
You need ways to make the RWA tokens tradable:
Connect to lending protocols so people can use their tokens as collateral
Set up liquidity pools so tokens can be bought and sold easily
Get listed on exchanges that focus on real-world assets
Maybe use your tokens to back stablecoins
The key is making sure investors can exit when they need to without crashing the price.
Liquidity ensures token holders can sell their investments without delays.
But Let's Be Real
Building an RWA project isn't like making another DeFi protocol or NFT marketplace.
It means bridging two worlds - traditional finance and crypto.
The rules keep changing.
And bringing real-world assets on-chain isn't easy.
Yes, you'll also have to work with traditional players who might not fully trust blockchain yet.
But that's exactly why this is such a huge opportunity.
The challenges make it harder for others to break in - giving successful projects a real edge.
If you can figure out the legal, technical, and partnership parts, you'll build something that lasts.
Best of luck! ;)
-Andre
P.S. If you're serious about creating an RWA project customized to your specific vision,
And don't want to struggle with complex regulations,
Or the technical challenges of bridging on-chain and off-chain assets...
Then let's talk.
My team and I have helped dozens of founders navigate this exact process…
From picking the right assets to tokenize,
To building compliant smart contracts,
To designing clean interfaces that both crypto natives and TradFi users love.
And so we have ready-made components that can save you tons of development time and money.
Just hit me up on Telegram or if you prefer a call, you can save your spot here.
On our 30-minute call,
We can explore how to turn your RWA vision into reality...
And I can share a roadmap on…
How you can position your project to attract serious institutional capital and build steady income streams while most crypto projects are still chasing the next hype cycle