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Hey folks, if you’ve been following Crypto Twitter you’ll know that everyone and their mom has been talking about how they’re putting real world assets on the blockchain. Will this last? I’m not sure. But what I do know is that the narrative is running hot with dozens of different projects touting some real world applications that can help you get some exposure to real world assets that you might not have had otherwise. This list isn’t all-inclusive, but are the ones I’ve definitely found the most interesting.
Mattereum allows you to tokenize whatever you want, be it instruments, gold bars, pieces of art, cars — anything that has significant value. Yes, technically anyone can make an NFT out of any jpeg they want, but what Mattereum provides are NFT “asset passports” which allows the passport holder to gain access to its underlying assets.
For instance if you own a gold bard NFT, the NFT itself will give you access to go pick up the gold bar yourself at a designated vault. What sets apart Mattereum is that these assets aren’t fractionalized, meaning that you don’t have to worry about buy/sell pressures of any altcoin, but simply the buy/sell demand of the physical asset itself.
Lofty.ai
If you couldn’t tell from the graphic above, Lofty allows you to take co-ownership of different rental properties via the Algorand network. At time of posting, they have 132 properties over 18 different locations, with the lowest share price of around $30 and many being sold out.
From what I could see, Lofty’s site/UI seemed to be the most straightforward and simple, and all their properties are listed in the United States — something I would consider a plus considering how much regulation there is surrounding the housing market.
Maple.finance
I’ve written about Maple.finance several times in the past as they’re one of the main crypto-based institutional lenders. They currently have forayed into RWAs via their Receivables Financing strategy where they “provide liquidity to US Businesses by purchasing receivables.”
If you read the fine print in the graphic above, similar to TradFi standards, you can only utilize this pool if you KYC and prove that you’re an accredited investor ($200k annual income, $300k joint annual income, or a joint net worth exceeding $1 million).
Realio is it’s own EVM-compatible network that has its own $RIO network token. They’re quite a bit of hype for their metaverse realioverse anticipated for launch scheduled later this year (see graphic above), but they have access to private equity opportunities, namely through Valentus Capital Management, offering a bridge through real world assets.
Interested in entering the Jade market? Jade City strives to become the world’s largest jade trading platform where you can either earn part of Jade City’s net revenue through their $JCT token, or you can buy jade directly by buying the $JADE token, where 1 $JADE buys 1 gram of jade.
I know that jade is super popular in countries like China, but I have no clue what the actual jade market looks like. I do know that like any other type of gemstone, price can significantly vary depending on what color, carat, transparency, etc. it is, so I don’t know all of that is factored into $JADE’s token price. For instance, did you know that there’s such a thing as black jade
Another fractionalized real estate project, heavily focused on buying luxury-type properties in overseas locations such as Bali. Similar to Maple, this does require you to KYC (even just simply signing up for an account you need to submit your phone number and e-mail), which may deter some folks. From what I could tell the only property is the one listed above, but there does seem to be some interesting things coming up on their roadmap:
Arkefi is a project based out of Switzerland that from what I can tell allows you to take fractionalized ownership in tokenized art. Currently there’s only one offering for , a contemporary artist who’s more popular pieces include:
With a minimum buy-in of $100USDC, they tout an expected ROI ranging from 4–50%.
Galileo is a project that plans to tokenize many different real world assets, everything from luxury watches to diplomas via pNFTs. As far as I can tell, their market place hasn’t launched yet, but you still have time to join their Zealy quests to be entered into a potential prize pool:
Credefi is a collateralized lending/borrowing protocol where loans are collateralized by real world assets. Loans which are 120% over collateralized are for businesses classified as EU Small and Medium Enterprises (SME), and are given a risk score by
Lenders provide $USDT and earn an advertised 12% APY, and can select a maturity date ranging from 90 days to 1440 days (4 years). I’m not sure if it’s because it’s still early and they’re still in the middle of building out their UI, but the platform itself looks a bit incomplete and doesn’t show varying APY returns for the different maturity dates.
Speaking of early, a project that’s still in testnet is , a protocol that plans on tokenizing real-world farmland, where $xTokens represent proportional amounts of crops including wheat, corn, soy, and rice:
Similar to Galilelo, the LandX team is running a lot of quests on to attract engagement so if you’re interested go check it out: https://zealy.io/c/landx/invite/jwfONFMh3Kg1thMOOyGq2
Landshare.io
Not to be confused with LandX, Landshare.io is tied in to solely real estate, where RWA ($LSRWA) tokens represent value of Landshare’s underlying properties. Similar to other real estate tokenization platforms, purchase of $LSRWA tokens does require KYC.
As you can see in the graphic above, I think what’s cool about Landshare in particular is that they have different strategies for investing, including house-flipping and renting. With flipping in particular, you can follow the process through different medium articles entitled “Follow the Flip” where they walk through the steps taken towards repairs and renovations.
Tangible
Last but not least we have Tangible, which besides real estate has several different types of assets that are tokenized watches (see above) and bottles of wine.
All these items are tokenized by NFTs, called “TNFTs” which gives the NFT holder technical ownership of said asset. Also if you’ll look closely, the price listed above is in $TNGBL not $USDR/$USDC, which means that as $TNGBL is trading currently closely to $10 dollars, the price for this Rolex is closer to $60,000, not $6,000.
a Tangible ambassador I should also mention that in addition to their native $TNGBL token, they also have $CVR, which you can currently stake and earn more than 200% APR mostly in stablecoins.
As I mentioned before, this is by no means an all-inclusive list, for there are several other projects that I could name but just haven’t had the time to go into. Are you hyped about an RWA-project that I didn’t name? Feel free to let me know about it in the comments below because I wouldn’t mind digging into more.
And as always, thanks for taking the time to read this and be sure to follow me on twitter (https://twitter.com/CryptosWith) to get all my latest updates. Also, looking for a gift for your Crypto-loving/hating friend? Give them a REKT journal to cheer them up!
Disclaimer: And as a final reminder, this is not financial advice and this is for educational and entertainment purposes only. Please as always, do your own research and find what investments are best for you. Cheers everyone!
