PolyFlow PayFi Spotlight AMA Recap: The Future of RWA Tokenization

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

PolyFlow 团队近期举办了一场精彩的 AMA 活动，邀请了 RWA（现实世界资产）代币化领域的顶级专家，共同探讨 RWA 领域的发展趋势、监管挑战及大规模应用的潜力。本Xiaobai NavigationThe AMA was hosted by Chuck, CFO of PolyFlow, and the guests included:

Daisy — RWA Solutions Architect at Zan, focused on empowering Web3 projects through tokenized real-world assets.
Tony—— Co-founder of RWA Ltd (formerly NFT China), Asia’s leading NFT trading platform dedicated to building compliant Web3 infrastructure.
Andrew—— King & Wood 律师事务所合伙人、香港大学法律讲师，专长于加密货币监管框架。

PolyFlow PayFi Spotlight AMA 回顾： RWA 代币化的未来

Definition and Market Impact of RWA

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

Tony further added that the core of RWA tokenization is to convert tangible assets (such as intellectual property and supply chain goods) intoBlockchainHe used BYD’s eWay battery data tokenization as an example to show how real-world companies can useBlockchainImprove efficiency.

从法律角度来看，Andrew 指出，RWA 代币化使投资者能够接触到原本无法投资的资产，同时确保合规。他表示，机构对代币化证券的采用正在增加，以寻求创新的融资模式。他总结道：“RWA 代币化的价值在于，投资者可以通过区块链访问现实世界资产，而无需实际转移这些资产。”

Real-life example: Practical application 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, they are difficult to obtain funding support in the traditional financing system due to their decentralized nature. Through tokenization, investors can invest in these assets efficiently, providing a new financing model for sustainable energy. Daisy emphasized: "Green assets such as electric vehicle charging stations and solar panels are very suitable for tokenization. They can continuously generate cash flows, but are difficult to finance in the traditional banking system."

RWA Ltd and BYD’s supply chain tokenization

Tony presented RWA Ltd’s supply chain tokenization case in the BYD manufacturing ecosystem. By tokenizing industrial robots, RWA Ltd created a leasing model that allows factories to pay for automation equipment in installments, unlocking liquidity while ensuring operational efficiency. He shared, “In the BYD supply chain case, we tokenize industrial robots used in manufacturing. Factories lease these robots, and tokenization helps them unlock liquidity while maintaining operational efficiency.”

Institutional Tokenization: Standard Chartered’s Money Market Fund

Andrew highlighted an important institutional case - Standard Chartered Bank's launch of the first tokenized retail money market fund in Asia. The project highlights the market demand for tokenized securities, providing Web3 investors with a stable, yield-generating asset that is seamlessly integrated with blockchain infrastructure.

Regulatory challenges and cross-border compliance

RWA tokenization involves multiple jurisdictions, and compliance issues have become a major challenge. Andrew explained that in Hong Kong, the regulatory framework for tokenized securities is basically consistent with that for 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 are the key to solving compliance issues. At the same time, ensuring that tokens truly represent the ownership of real-world assets is the core of maintaining market trust.

Large-scale adoption: Ensuring liquidity and inclusiveness in the RWA market

To promote the mainstream application of RWA tokenization, it is necessary to improve market liquidity and inclusiveness. During the discussion, the guests pointed out two key factors:

User-friendly platform with fragmented holdings — Intuitive user interfaces and tokenized yield products can lower the barrier to entry for retail investors.
Investor Education and Transparency - As many market participants are still unfamiliar with RWA, systematic education and transparent token issuance mechanisms are essential.

Daisy pointed out: “We need user-friendly platforms combined with familiar models in the Web3 ecosystem, such as yield tokens and RWA asset libraries. Lowering the barrier to entry is key to achieving mass adoption.”

Main risks and preventive measures

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

市场操控与机构控制—— Andrew 强调，通过法律监管、合规机制和强大的智能合约设计，可以有效降低这些风险。
Insufficient verification of underlying assets - Daisy warned that some RWA tokens may not truly represent real-world assets and investors need to conduct sufficient due diligence on the project.
Liquidity Challenges - Tony believes that liquidity remains the main challenge for RWA tokenization, requiring the establishment of a strong investor network and trust-building measures. He noted: "One of the biggest challenges is liquidity. The key is not only to tokenize assets, but also to find investors and establish a sustainable trading market."

Conclusion: The future of RWA tokenization

As RWA continues to build bridges between traditional finance and Web3, panelists agreed that regulatory clarity, strong infrastructure, and institutional adoption will determine its long-term success. Zan’s green asset tokenization, RWA Ltd’s supply chain finance model, and Standard Chartered’s money market fund tokenization 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 sector.