The biggest headache in large-scale capital allocation is: how to ensure safety while also achieving decent returns? Many people find themselves in a dilemma—choose stable assets with pitifully low yields; want high returns but fear the risks.

RWA (Real World Assets) products have been extremely popular in the past two years, and the logic behind them is actually quite simple: bringing reliable off-chain assets onto the chain. Traditional financial assets like U.S. Treasury bonds and commercial real estate can now circulate on the blockchain in the form of tokens.

Data speaks for itself: by 2024, the total RWA market size has reached $1.52 billion, an 85% increase compared to last year. Among them, U.S. Treasury bonds, commercial real estate, and similar assets account for over 90%—these are not aggressive high-risk investments, but the most stable ones in traditional finance.

The beauty of RWA products is that they retain the low volatility and stable cash flow characteristics of traditional assets while offering the flexibility of on-chain assets—trading and settlement 24/7, fractionalized investments, and no need for large upfront capital. For institutional investors and family trusts with large funds, although redemption cycles are relatively long, this is precisely the cost of low risk, which can be largely ignored.

Taking Lista’s RWA product as an example, it supports large capital access directly, with daily interest calculation, and the compound interest effect for long-term holding is quite impressive. For big funds seeking a "safe haven" in the crypto ecosystem, such products can effectively hedge against the intense volatility of the crypto market, allowing wealth to steadily grow under safe conditions.

In simple terms, RWA is like building a bridge between traditional finance and Web3, combining the stability of traditional assets with the transparency and liquidity of blockchain. For large capital, this might currently be the most balanced allocation option.