PolyFlow PayFi Spotlight AMA Review: The Future of RWA Tokenization

Regulatory clarity, strong infrastructure, and institutional adoption will determine its long-term success.

The PolyFlow team recently held an exciting AMA event, inviting top experts in the field of RWA (Real World Assets) tokenization to discuss the development trends, regulatory challenges, and potential for large-scale applications in the RWA space. This AMA was hosted by PolyFlow's CFO Chuck, with guests including:

Daisy — RWA solutions architect at Zan, focusing on empowering Web3 projects through the tokenization of real-world assets.
Tony — Co-founder of RWA Ltd (formerly NFT China), a leading NFT trading platform in Asia, dedicated to building compliant Web3 infrastructure.
Andrew — Partner at King & Wood Mallesons and lecturer in law at the University of Hong Kong, specializing in cryptocurrency regulatory frameworks.

Definition of RWA and Market Impact

At the beginning of the discussion, the guests provided a comprehensive analysis of the RWA concept. Daisy explained that RWA includes tokenized financial products (such as bonds and stocks) as well as alternative assets (such as real estate and commodities). She emphasized that tokenization provides a seamless bridge for traditional Web2 companies to enter Web3, while unlocking the value of traditionally illiquid assets.

Tony further added that the core of RWA tokenization is transforming tangible assets (such as intellectual property and supply chain goods) into blockchain-native tools while maintaining compliance. He cited the example of BYD's eWay battery data tokenization to demonstrate how real-world businesses can leverage blockchain to enhance efficiency.

From a legal perspective, Andrew pointed out that RWA tokenization allows investors to access assets that were previously inaccessible while ensuring compliance. He noted that institutional adoption of tokenized securities is increasing as they seek innovative financing models. He summarized, "The value of RWA tokenization lies in the fact that investors can access real-world assets through blockchain without the need to physically transfer those assets."

Real-World Cases: Practical Applications of RWA Tokenization

Zan's Green Energy RWA

Zan has successfully launched two renewable energy tokenization projects — electric vehicle charging stations and solar panel receivables. Although these assets have stable cash flows, their decentralized nature makes it difficult to obtain funding through traditional financing systems. Through tokenization, investors can efficiently invest in these assets, providing new financing models for sustainable energy. Daisy emphasized, "Green assets like electric vehicle charging stations and solar panels are very suitable for tokenization; they can continuously generate cash flow but struggle to secure financing in traditional banking systems."

RWA Ltd and BYD's Supply Chain Tokenization

Tony introduced the case of supply chain tokenization within BYD's manufacturing ecosystem by RWA Ltd. By tokenizing industrial robots, RWA Ltd created a leasing model that allows factories to pay for automation equipment in installments, releasing liquidity while ensuring operational efficiency. He shared, "In the BYD supply chain case, we tokenized the industrial robots used in manufacturing. Factories lease these robots, and tokenization helps them release liquidity while maintaining operational efficiency."

Institutional Tokenization: Standard Chartered Bank's Money Market Fund

Andrew highlighted an important institutional case — the first tokenized retail money market fund launched by Standard Chartered Bank in Asia. This project underscores the market demand for tokenized securities, providing Web3 investors with a stable, yield-generating asset that seamlessly integrates with blockchain infrastructure.

Regulatory Challenges and Cross-Border Compliance

RWA tokenization involves multiple jurisdictions, making compliance a significant challenge. Andrew explained that in Hong Kong, the regulatory framework for tokenized securities is largely consistent with that of traditional financial instruments, providing clear legal guidance for market participants. He emphasized, "Regulators are beginning to distinguish between pure crypto assets and tokenized securities. As long as the structure is reasonable, RWA tokenization can comply with existing financial regulations."

Daisy further pointed out that actively communicating with regulators and establishing local partnerships in different regions is key to addressing compliance issues. Additionally, ensuring that tokens genuinely represent ownership of real-world assets is central to maintaining market trust.

Large-Scale Applications: Ensuring Liquidity and Inclusivity in the RWA Market

To drive mainstream adoption of RWA tokenization, it is essential to enhance market liquidity and improve inclusivity. During the discussion, the guests identified two key factors:

User-friendly platforms and fragmented holdings — Intuitive user interfaces and tokenized yield products can lower the entry barriers for retail investors.
Investor education and transparency — As many market participants are still unfamiliar with RWA, systematic education and transparent token issuance mechanisms are crucial.

Daisy noted, "We need user-friendly platforms that incorporate familiar models from the Web3 ecosystem, such as yield tokens and RWA asset pools. Lowering the entry barriers is key to achieving large-scale adoption."

Major Risks and Mitigation Measures

Although RWA tokenization enhances liquidity, it also brings certain risks, including:

Market manipulation and institutional control — Andrew emphasized that these risks can be effectively mitigated through legal regulation, compliance mechanisms, and robust smart contract design.
Insufficient verification of underlying assets — Daisy warned that some RWA tokens may not genuinely represent real-world assets, and investors need to conduct thorough due diligence on projects.
Liquidity challenges — Tony believes that liquidity remains a major challenge for RWA tokenization, necessitating the establishment of a strong investor network and trust-building measures. He pointed out, "One of the biggest challenges is liquidity. The key is not only tokenizing assets but also finding investors and building a sustainable trading market."

Conclusion: The Future of RWA Tokenization

As RWA continues to bridge the gap between traditional finance and Web3, the guests unanimously agreed that regulatory clarity, strong infrastructure, and institutional adoption will determine its long-term success. The tokenization of green assets by Zan, the supply chain financing model by RWA Ltd, and the tokenization of money market funds by Standard Chartered Bank are paving the way for a more transparent and accessible digital asset economy.

For developers and investors looking to explore RWA integration, PolyFlow invites collaboration. Its decentralized payment infrastructure aims to simplify compliance processes and unlock the true value of real-world assets in the Web3 financial space.

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