Recently, more and more projects have abandoned the traditional methods of issuing air coins or pyramid schemes, and have genuinely started to engage in business similar to that of banks. They are not just creating a new name for on-chain finance, but are directly taking over the most real, profitable, and least publicly accessible layer of the financial system.

Why can banks consistently make profits over the long term? It is because they hold a large amount of low-volatility, predictable cash flow assets, including accounts receivable, private credit, trade financing, and corporate short-term working capital, among others. These assets generate interest and cash returns every day, but are almost inaccessible to retail investors.

The logic behind this is simple: Rayls connects the asset supply side of institutions to the blockchain and the funding demand side of retail investors to the blockchain, sealing off the risk points with privacy and certainty in settlement. This is the structure that TradFi is truly willing to use.

@RaylsLabs also provides institutions with a complete pathway. Institutions first complete the tokenization and circulation of assets in a private EVM, then achieve confidentiality while being verifiable through ZK + homomorphic encryption, and finally bring the assets to the public chain for global distribution, integrating with DeFi's liquidity and composability. Moreover, as the market weakens, this relatively stable yield provision will actually become more popular. After all, everyone is hesitant to easily bottom out, and fixed high-yield financial products will be more favored, so it is estimated that FDV will have the opportunity to continue rising.

Projects like Núclea, which is a Brazilian payment infrastructure, have already been continuously running the tokenization flow of accounts receivable. AmFi has also clearly outlined plans to bring billion-level receivable assets on-chain, while the core developer Parfin has received investment backing from Tether. Especially since Tether lacks a narrative, what it needs is a way to truly integrate stablecoins into the institutional asset side.

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