Real-world assets in digital banking: Bridging traditional and digital finance

Aly Madhavji and Jerry Xu
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Aly Madhavji: Blockchain Founders Fund, Singapore
Jerry Xu: Stellar Development Foundation, USA

Journal of Digital Banking, 2025, vol. 10, issue 1, 54-74

Abstract: Real-world assets (RWAs), including bonds, real estate and commodities, are tangible assets with economic value that contribute to the financial ecosystem. This paper will explore how RWAs are being integrated into novel digital banking platforms, focusing on the potential of blockchain technology, tokenisation and smart contracts. It aims to provide an in-depth look at two important areas — corporate banking and investments — while addressing current challenges, showcasing practical applications and illustrating how RWAs can help make financial services more inclusive. By lowering traditional barriers to entry, RWAs can potentially make investments more accessible to a wider audience, thereby creating opportunities for both individuals and financial institutions (FIs) to expand their assets under management (AUM) and financial service offerings. This paper seeks to offer actionable insights for digital banking professionals, encouraging further exploration and innovation in the RWA space. This article is also included in The Business & Management Collection which can be accessed at https://hstalks.com/business/.

Keywords: digital banking; real-world assets; blockchain; tokenisation (search for similar items in EconPapers)
JEL-codes: E5 G2 (search for similar items in EconPapers)
Date: 2025
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