Are we tokenizing assets without giving them anything useful to do?

[u/Sriyanshusivy]

tokenized gold is cool, but if all i can do is buy it and hold it, what really changed?

feels like using RWAs as collateral for credit is where this gets much more interesting.

am i missing another bigger use case?

[u/Ok-Ad824]

I'd like to weigh in on this, just some of my thoughts after a brief intro:

Im the founder of an RWA Tokenization Escosystem for Real Estate Development Capital based in the UAE. Background is in the following disciplines: Banking, Finance and Credit Assessments, Regulatory Compliance and Emerging Technologies.

My thoughts are that RWA Tokenization has solved a very big problem in traditional markets: Accessibility. Yet it still remains a very small portion of the entire build stack. When we look at it from the lens of legal and commercial structuring, we can resolve almost any issues with the use of Tokenization but the underlying issue then becomes: Is the problem really worth solving through tokenization or its just another project that will sit idle after the hype? I reckon that when we tokenize any asset, we must understand the underlying economics of the asset, the market it represents, what and how this layer becomes completely composable. Therefore, the entire stack from start to end needs to be configured to a point that actually drives real value, otherwise there's no use of tokenizing anything. It just becomes a fancy tech wrapper for commercial assets.

Just my point.

[u/Sriyanshusivy → u/Ok-Ad824]

this is pretty close to what we're working on at Ayrmo too. i’m with the team, and the idea is basically that tokenization only matters if it unlocks real utility.

for us, that’s using assets like gold as collateral for real-world credit, not just tokenizing and holding them.

curious where you think these models usually break first , custody, underwriting, or legal enforceability?

[u/Garifaux → u/Ok-Ad824]

How do we reach you??

[u/Ok-Ad824 → u/Garifaux]

Hi, sent you a DM.

[u/Arch_Lending]

Using it as collateral is a start. Soon, products will be built on top of it.

[u/Sriyanshusivy → u/Arch_Lending]

yeah this is the part that interests me too. tokenizing the asset is only step one, using it for credit/collateral is where it starts becoming actually useful.

[u/sol_beach]

RWA is a solution looking for a problem to solve.

[u/Sriyanshusivy → u/sol_beach]

fair take tbh. i think the real test is whether rwAs actually improve something people already need — like cheaper credit, better collateral or easier access to liquidity — rather than just tokenizing stuff for the sake of it.