The RWA market has huge potential, and Aptos is emerging in the field.

Real World Asset Tokenization (RWA) has attracted significant market attention, but it 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, and despite a 56% growth in the first half of this year, it is still in its early stages. As more asset classes achieve tokenization, RWA is expected to enter a new phase of development.

It is worth noting that Aptos has performed outstandingly in this field. In the past 30 days, the total value locked (TVL) of RWA on the Aptos chain has grown by 56.4%, reaching $538 million, ranking third among public chains. As the ecosystem continues to improve, Aptos's competitive advantage in the RWA sector may become even more pronounced.

Private credit becomes dominant

Private credit accounts for 58% of RWA assets, making it the most关注 asset class, followed by U.S. Treasuries. Private credit mainly exists in on-chain form, but has limited liquidity; while U.S. Treasuries face competition from yield-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, has issues such as high costs, low efficiency, and high entry barriers. Crypto protocols reduce intermediary costs and enhance transparency by issuing and managing assets on-chain.

Tokenization Process of Private Credit Assets

1. Off-chain credit asset generation: The asset issuer is responsible for generating off-chain credit assets, including signing loan agreements, setting up collateral assets, and formulating repayment plans.

2. Constructing the on-chain token structure: Loans can be mapped to on-chain tokens through the RWA protocol, using forms such as NFT, SFT, or ERC-20.

3. Compliance packaging: Establish special purpose entities as legal custodians to ensure compliance with regulatory requirements.

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

5. Profit Distribution and Asset Settlement: Borrowers repay according to the plan, and funds are distributed to token holders through smart contracts.

Competitive Advantages of Aptos

Technical Advantages

• High throughput and low latency: The theoretical throughput can reach 150,000 TPS, while the actual stable rate is 4,000-5,000 TPS, with a transaction confirmation time of only 650 milliseconds.
• Low trading costs: average transaction fees are less than $0.01.
• Modular architecture: Supports complex asset management needs.

ecological layout

• Institutional Collaboration: Partnering with traditional financial institutions such as Ondo Finance and Franklin Templeton.
• Regulatory friendly: Built-in on-chain identity verification and asset tracking capabilities that comply with regulatory requirements.
• Emerging Market Positioning: Providing diversified financing solutions for emerging markets through partners such as BSFG.

Future Outlook

Aptos's rapid development in the RWA sector is attributed to its technological advantages and ecological layout. Private credit, as the main growth driver, has achieved on-chain composability through tokenization, bringing substantial returns to investors. Aptos's low transaction fees and fast confirmation times provide strong support for real-time lending and settlement.

With the optimization of the regulatory environment and the expansion of the DeFi ecosystem, Aptos has promising growth potential in the RWA sector. It is expected that by 2026, Aptos will add $500 million in RWA TVL. Through the synergistic development of technology and the ecosystem, Aptos is showing sustained growth momentum in the private credit sector.