Tokenized RWAs are booking. As of November 2024, real-world assets constitute one of the fastest-growing sectors within decentralized finance, with a total value locked of $6.452 billion as of November 2024, according to DefiLlama. Furthermore, the ecosystem possesses a total market value of $40.90 billion, as reported by CoinMarketCap at the time of writing.
As investors flock to the RWA revolution, many are searching for the next big RWA project and are weighing up the best RWA investments for Q4 of 2024 and into 2025. We spoke to dozens of investment experts in crypto and asked for their top picks in the RWA sector. Here are their top 10 choices.
The best RWA coins to buy right now
1. Apraemio
Apraemio is a special digital asset firm redefining the concept of gold-backed tokens. Unlike traditional tokens like Tether Gold and Pax Gold, which are strictly tied to gold’s spot price, Apraemio’s $APRA token provides unique exposure to one of Mali, Africa’s most significant gold reserves. As the mine continues to produce gold and expand its reserves, the value of gold backing each token grows over time.
This innovative approach is made possible through Apraemio’s strategic partnership with GGS Mali, a seasoned mining company with exclusive rights to operate a gold mine for the next 30 years. Through this partnership, Apraemio secures direct rights to 50% of the mine’s gold output, ensuring a steady and increasing reserve to back the $APRA token. This forward-thinking model sets Apraemio apart, offering investors a dynamic and growing connection to the value of physical gold.
The primary utility of the $APRA token, alongside other features like the car and property purchasing program or the gold-backed credit card, is the ability for holders to exchange their tokens for physical gold through the platform’s Gold Redemption Program.
The Gold Redemption Program is one of the most compelling features of the $APRA token, designed to provide token holders with a seamless bridge between digital assets and the physical world. Through this program, holders can exchange their $APRA tokens for physical gold.
You can easily purchase $APRA tokens directly on their platform at Apraemio.com or through BitMart, where trading begins on November 25.
2. MANTRA
MANTRA Chain is an advanced blockchain platform that connects traditional banking with decentralized systems, enabling developers to design revolutionary financial products and services. MANTRA’s Real-World Asset (RWA) Product Suite fundamentally streamlines onboarding and guarantees regulatory compliance for digital representations of tangible assets.
Recently, MANTRA Chain Mainnet successfully launched, marking a significant milestone in the evolution of blockchain technology. With its live network now operational, developers and enterprises can harness MANTRA Chain’s full potential to bridge traditional finance and decentralized innovation.
Beyond RWA, MANTRA Chain provides a strong ecosystem for developing decentralized applications (dApps), with features like CosmWasm construction capabilities, multi-chain compatibility, and a blockchain architecture that is vertically integrated. Furthermore, MANTRA Chain enables effortless cross-chain transactions among prominent L1 networks by utilizing IBC compatibility.
3. MAIV Finance
MAIV is a first-of-its-kind platform that democratizes access to institutional-grade capital markets by seamlessly integrating decentralized finance (DeFi) with traditional finance (TradFi). Essentially, MAIV provides funding to real-world developers specifically to support their land purchases, enabling them to move forward with their projects.
To safeguard its investments, MAIV maintains a lien on the land, securing the investment through the value of the underlying asset for the entire duration of the project. This structure allows investors to gain exposure to real-yield opportunities generated by the financing of these projects.
With over 30 years of experience, MAIV’s team has successfully contributed to over $5 billion worth of completed projects. Every project accepted onto the platform undergoes a thorough vetting process and is carefully managed throughout its lifecycle to ensure precision and reliability.
4. Pendle
Pendle is a protocol within the decentralized finance (DeFi) ecosystem that emphasizes the novel concept of tokenizing and trading future yield. This protocol presents an innovative method for managing yield-generating assets by enabling users to dissociate ownership of the underlying asset from its prospective income. Pendle facilitates the development of novel financial products that can be transacted on its platform through this separation.
Pendle’s primary service is its automated market maker (AMM), which is tailored to assets subject to time decay. Because future yields might change depending on a lot of things including market circumstances and the performance of the underlying asset, this design is crucial because it solves the problem of pricing them. Pendle allows liquidity providers and traders to tokenize future income, giving them the option to sell it for instant liquidity or speculate on the future yield of other DeFi assets.
5. Hashnote USYc
USYC (US Yield Coin) serves as an on-chain representation of the Hashnote International Short Duration Yield Fund Ltd. (SDYF), which predominantly invests in reverse repurchase agreements involving U.S. Government-backed securities. USYC, an ERC-20 token on the Ethereum network, is a low-risk investment opportunity characterized by reduced market, duration, and credit risk.
USYC has excellent security, transparency, and liquidity features. In addition to atomic on-chain transactions, investors can mint or redeem USYC tokens directly into USDC or PYUSD. The fund is comprehensively regulated by the Cayman Islands Monetary Authority (CIMA) and administered by Hashnote, a leading on-chain institutional asset manager supported by DRW. USYC guarantees secure and transparent investment management through its seasoned portfolio and liquidity managers. The primary advantages consist of the absence of credit middlemen, direct access to segregated custodial accounts, and fully transparent fees.
6. Creditcoin
Creditcoin is a blockchain network engineered to enable cross-blockchain credit transactions and the establishment of credit histories. It functions as the foundation for a decentralized credit market, linking tangible assets with the digital realm of Web3. The primary purpose is to utilize blockchain technology to preserve an impartial record of credit transactions.
Creditcoin was initiated with its development led by a multinational team from the United States, Canada, South Korea, Nigeria, and Estonia. Creditcoin primarily addresses the substantial deficiency in the credit system for unbanked communities in emerging nations. Conventional banking institutions frequently marginalize individuals lacking formal credit records, thus compelling them to depend on non-bank lenders. Regrettably, credit histories created with these non-bank businesses are disregarded by banks, with the veracity of the data being a major concern. Creditcoin addresses this problem by offering a transparent and trustless platform for recording credit transactions on a public blockchain.
7. TrueFi
TrueFi is a decentralized finance (DeFi) platform that transforms the lending and borrowing ecosystem by providing services for both conventional and cryptocurrency assets. TrueFi is fundamentally a protocol that establishes interest-bearing pools, offering liquidity providers elevated annual percentage rates (APR). Working along with EthWorks, TrustLabs created this technology, which was introduced on the Ethereum mainnet.
One of TrueFi’s unique selling points is that it uses uncollateralized loans, which differs from the conventional collateral-based lending arrangements that are common in the DeFi market. With this method, TrueFi is able to provide pools with interest rates that are competitive with the market. TrueFi distinguishes itself as an innovative DeFi platform that integrates the advantages of high APR liquidity pools, uncollateralized lending, and a decentralized credit prediction market, all regulated by its native TRU token.
8. Quant
Quant (QNT) is a blockchain operating system introduced in June 2018, designed to link blockchains and networks worldwide while maintaining efficiency and compatibility. The development of decentralized multi-chain apps (MApps) is made possible by Quant’s Overledger Network, the first initiative to address the interoperability issue. Developers can create MApps by possessing Quant tokens (QNT), facilitating interoperability among various blockchains. Overledger facilitates smooth connections among blockchain projects, serving as a gateway to several blockchains, including Ethereum.
Quant’s distinctive operating system establishes numerous layers for application interactions, encompassing transactions, messaging, filtering, and ordering. The Quant App Store facilitates the reading and monitoring of transactions across diverse ledgers, allowing developers to create smart contracts on many chains, including ones that do not inherently support them, such as Bitcoin.
9. Ondo
Ondo Finance is a decentralized platform that tokenizes real-world assets (RWA) on the blockchain, enabling users to safely tokenize assets like as real estate, commodities, and digital collectibles. Ondo Finance democratizes investment opportunities and enhances liquidity in the RWA market through fractional ownership. The platform provides an intuitive interface, strong security measures, and a smooth experience for investors pursuing diversification and access to tangible assets via blockchain technology.
Ondo Finance, initiated on Ethereum in 2023 and subsequently extended to many blockchain networks, facilitates the tokenization of conventional assets such as treasury bills, government bonds, and ETFs. Clients provide similar assets for custody to tokenize physical assets, while Ondo produces tokenized counterparts. These assets are redeemable upon request. Financial products offered comprise USDY (yield-bearing USD secured by short-term US treasuries and bank demand deposits) and OUSG (Ondo US Government Treasuries), providing adaptable management solutions for real-world assets.
10. Propy
Propy (PRO) transforms the real estate sector by utilizing blockchain technology to facilitate property transactions. Propy, as a real estate transaction platform, utilizes blockchain technology to guarantee secure, transparent, and efficient international real estate transactions. This novel method obviates the necessity for conventional intermediaries, hence diminishing expenses and enhancing transaction velocity.
Propy’s own cryptocurrency, PRO, is integral to its ecosystem. PRO tokens enable transactions on the network, providing a smooth and global payment solution. The incorporation of cryptocurrency streamlines international transactions, facilitating real estate agreements between buyers and sellers from other nations. The technology mitigates concerns such as fraud and title disputes by preserving an immutable record of property ownership. This is especially advantageous in areas with unreliable property registries.
11. TRAC
OriginTrail is a blockchain network originally developed for supply chain logistics, facilitating safe data sharing, product identification, and tracking. It has subsequently broadened its scope to digitize real-world assets (RWAs) for purposes of validation, ownership transfer, and more applications. OriginTrail’s functionalities are analogous to those of VeChain and Centrifuge, tackling misinformation through the authentication of information provenance.
OriginTrail’s architecture comprises a layer 1 blockchain and a layer 2 Decentralized Knowledge Graph (DKG), integrating trustless verification with logical data representation. OriginTrail employs artificial intelligence (AI) for scalable data management, utilizing the Trace token (TRAC) as its utility token for staking, data publishing, and collateralization on network nodes. TRAC facilitates effortless interactions inside the OriginTrail ecosystem.
