The RWA market has immense potential, and Aptos has emerged as a strong contender.

Tokenization of Real-World Assets ( RWA ) is a highly关注ed field that has yet to fully realize its potential in connecting traditional markets. Data shows that the total market value of RWA assets in the crypto industry is only $24 billion, despite a 56% growth in the first half of this year. This indicates that the development of RWA is just beginning, and as more assets are tokenized in the future, RWA is expected to enter a new stage.

During this critical period, Aptos has performed exceptionally well. In the past 30 days, its total locked value of on-chain RWA has increased by 56.4%, reaching $538 million, ranking it third among public chains. As the ecosystem continues to improve, Aptos's competitive advantage in the RWA field may further strengthen.

Private credit dominates the current RWA market

Private credit accounts for 58% of RWA assets, becoming the most notable asset class, followed by U.S. Treasuries. Private credit assets mainly exist in on-chain form and have lower liquidity, while U.S. Treasuries face competition from interest-bearing stablecoins.

Private credit refers to loans provided by non-bank institutions to businesses or individuals in the private market. Traditional private credit, while offering considerable returns, faces issues such as high costs and low efficiency. Crypto protocols innovate in this field by lowering intermediary costs and increasing transparency through on-chain asset management.

Private Credit Asset Tokenization Process

1. Off-chain credit asset generation: The asset issuer generates physical credit assets, including signing loan agreements, setting guarantees, and formulating repayment plans.

2. Build the on-chain token structure: Map loans to on-chain tokens through the RWA protocol, which can take the form of NFT, SFT, or ERC-20.

3. Compliance Packaging: Establish a special purpose entity as a legal custodian to ensure compliance with regulatory requirements.

4. Token Issuance and Financing: Display tokens through the protocol platform and accept on-chain investments.

5. Revenue Distribution and Asset Settlement: After the borrower repays the loan, it is distributed to token holders through smart contracts.

The Advantages of Aptos in the RWA Track

( Technical Advantages

• High throughput and low latency: Theoretical throughput can reach 150,000 TPS, with actual stability at 4,000-5,000 TPS.
• Low transaction costs: average transaction fees are below $0.01.
• Modular architecture: supports complex RWA asset management.

) ecological layout

• Institutional Cooperation: Collaborating with traditional financial institutions such as Ondo Finance and Franklin Templeton.
• Regulatory Friendly: Built-in on-chain identity verification and asset tracking features that comply with regulatory requirements.
• Emerging market positioning: Focus on areas with insufficient financial inclusion, providing diversified financing solutions.

Summary

Aptos's rapid rise in the RWA field stems from its technological advantages and ecological layout. By June 2025, its RWA TVL reached $538 million, ranking third among public chains. Private credit has become the growth engine of RWA, achieving on-chain composability through tokenization. Aptos's low fees and fast confirmations support real-time lending and settlement, with the potential to further expand its ecosystem in the future.

As the interest rate spreads in traditional financial markets tighten, institutional investors are turning to on-chain solutions. Aptos fills the financing gap for small and medium-sized enterprises by serving emerging markets. It is expected that by 2026, Aptos may add $500 million in RWA TVL. Through the synergy of technology and ecology, Aptos shows sustained growth potential in the private credit sector.