1.3 The Rise of Real-World Asset Tokenization (RWA-Fi)

With real-world assets such as gold, real estate, and corporate bonds being tokenized on-chain using standards like ERC-1155, the RWA-Fi market surpassed $50 billion in Q1 2024. However, current platforms face two major shortcomings:

• Rigid Asset Allocation: Static asset portfolios fail to adapt to market changes. In 2023, one RWA platform experienced a 23% drop in user returns due to delayed rebalancing of U.S. Treasury allocations.

• Unclear Risk Stratification: The lack of a scientific risk-return tiering system makes it difficult for institutional investors to perform effective asset-liability management.