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-4.53%

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BrokenDAO

· 2h ago

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

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MetaMaximalist

· 2h ago

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

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ForkThisDAO

· 2h ago

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.

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DustCollector

· 2h ago

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

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Ramen_Until_Rich

· 2h ago

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.

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SandwichHunter