The RWA market has broad prospects, and Aptos has emerged as a strong contender.

Real-world asset tokenization (RWA) is a highly regarded field that has yet to fully realize its potential. Currently, the total market value of RWA assets in the crypto industry is only $24 billion. Although there was a 56% growth in the first half of this year, there is still a huge gap compared to the enormous scale of traditional markets. This indicates that the development of RWA is just beginning, and as more asset classes are tokenized, the future prospects are promising.

During this critical period, Aptos is showing strong momentum. In the past 30 days, its total value locked (TVL) in on-chain RWAs has increased by 56.4%, reaching $538 million, and rising to the third position among public chains. With the addition of new DeFi protocols, the Aptos ecosystem is expected to welcome more investment opportunities, positioning itself advantageously in the competition within the RWA sector.

Private equity debt dominates the current market

Private credit accounts for 58% of RWA assets, becoming the most关注的 asset class, followed by U.S. Treasury bonds. Private credit primarily exists in on-chain form but has limited liquidity; meanwhile, U.S. Treasury bonds face competitive pressure from interest-bearing stablecoins.

Private credit refers to loans provided by non-bank institutions or investors to businesses or individuals in the private market. Traditional private credit, while offering substantial returns, has issues such as high costs, low efficiency, and barriers to entry. Crypto protocols innovate this field by issuing and managing assets on-chain, reducing intermediary costs and increasing transparency.

Private Credit Asset Tokenization Process

1. Generation of off-chain credit assets: The asset issuer generates credit assets that meet traditional financial standards by signing loan agreements, setting up collateral assets, and formulating repayment plans.

2. Build the on-chain token structure: Map loans to on-chain tokens through the RWA protocol, which can take forms such as NFT, SFT, or ERC-20. The tokens include metadata such as loan details and repayment plans, supporting automatic profit distribution and transfer functions.

3. Compliance Packaging: Establish special purpose entities as legal custodians, complete KYC/AML reviews, and ensure compliance with regulatory requirements.

4. Token Issuance and Financing: Display tokens on the platform, accept subscriptions from investors, and obtain corresponding rights to income.

5. Profit Distribution and Asset Settlement: After the borrower repays the loan, the smart contract automatically distributes to the token holders, supporting maturity settlement or renewal.

Technical Advantages of Aptos

Aptos, as a new generation public chain, demonstrates unique advantages in the RWA field:

• High throughput and low latency: Theoretical TPS reaches 150,000, with actual stability at 4,000-5,000 TPS, and transaction confirmation time is only 650 milliseconds, supporting large-scale asset management and instant settlement.
• Low transaction costs: average fees below $0.01, beneficial for frequent on-chain operations.
• Modular architecture: Independently optimize each layer to adapt to the complex requirements of RWA asset management.

The Ecological Layout of Aptos

Aptos has significantly enhanced its competitiveness through strategic partnerships and ecosystem expansion:

• Institutional Cooperation: Introduce products such as USDY from Ondo Finance and BENJI from Franklin Templeton to enhance compliance and credibility.
• Regulatory-friendly: Partnering with a compliance platform with built-in on-chain identity verification and asset tracking capabilities to adapt to global regulatory trends.
• Emerging Market Positioning: Focus on areas with insufficient financial inclusion, providing diversified financing solutions for emerging markets through the Pact agreement.

Summary and Outlook

Aptos's rapid rise in the RWA sector is attributed to its technological advantages and ecological layout. Private credit serves as the main growth driver, achieving on-chain composability through tokenization, resulting in significant returns. Aptos's low fees and fast confirmations support real-time lending and settlement, and future deep integration with DeFi protocols will further unleash its potential.

As traditional financial market spreads tighten, institutional investors are turning to on-chain solutions. Aptos fills the financing gap for small and medium-sized enterprises by serving emerging markets. In the future, with the optimization of the regulatory environment and the expansion of the DeFi ecosystem, Aptos is expected to continue growing in the RWA sector, demonstrating huge potential.