BlackRock, Franklin Templeton, Hamilton Lane — the biggest names in finance have already tokenized their best products. We surface the ones retail wallets can actually buy, and explain the rest in real English.
Three years ago this was a rounding error. Now it's live-tracking 159protocols across chains. Here's what that looks like — and why the yields you'll see below aren't a typo.
rwa.xyz lists every platform. Most are gated at $100K+. Here's what's actually open to you — at your budget.
Curated, not comprehensive. What each one holds, what it pays, and whether you're even allowed in. No asterisks.
The six things you need to understand before putting a dollar in.
Wrapping a real asset (like a Treasury bond) in a blockchain token so it can be split, traded, and sent instantly — 24/7.
The interest the asset pays you per year, as a percentage. 5% APY on $1,000 is $50 a year.
A U.S. government bond, repackaged as a token. Same interest the bond pays — but you can buy it with $20 and sell it on a Sunday.
The chance the company holding your asset messes up or goes under. "Safe" in RWA means picking issuers that actually hold what they say they hold.
A token pegged 1:1 to the dollar (like USDC). You'll use one to buy most RWAs — think of it as the checking account for on-chain finance.
Loans to real businesses that banks won't make. Higher yields (8–10%), higher risk than Treasuries. You're the bank.
What moved in Real World Assets this week, in English — for wallets that don't start with eight zeros. One email, every Sunday. Free.