Crypto revolution: tokenization opens doors for private investors!

Crypto revolution: tokenization opens doors for private investors!

Progress in the financial world is largely driven by the tokenization of real-world assets (RWA) and the continued development of cryptocurrencies and blockchain technology. In this context, Johann Kerbrat, Senior Vice President and General Manager of Robinhood Crypto, appeared at the Consensus 2025 crypto conference in Toronto. He emphasized that tokenization gives retail investors access to regulated and often restricted asset classes. This is “very important for financial inclusion,” as Kerbrat noted.

Currently, real assets like real estate and private equity are only accessible to a small group of people, with only up to 10% of the US population able to actually invest. To invest in private equity it is necessary to be classified as an accredited investor. Kerbrat rhetorically asked how many people can afford a house or apartment in New York, explaining that tokenization makes it possible to acquire shares in real estate through fractionalization.

Market development and innovations

Robinhood is among the few securities firms currently testing RWA tokenization. According to Kerbrat, companies such as BlackRock, Franklin Templeton, Apollo and VanEck are also experimenting with this technology. Onchain-RWA's market cap is $22.5 billion with 101,457 asset holders as of May 16, according to RWA.xyz, with an average of $221,867 in onchain assets owned by each investor.

The development of stablecoins is another important aspect that Kerbrat touched on. Currently, stablecoins pegged to the US dollar dominate the market. Tether's USDt and Circle's USDC together account for $211.8 billion, or 87.1% of the $243.3 billion stablecoin market cap. He also explained that it is possible to use specific stablecoins when transferring money from the US to Singapore.

The outlook for tokenization

The financial world is facing significant change driven by the increasing use of cryptocurrencies and blockchain technology. Asset tokenization, which converts real-world assets into digital tokens, could democratize access to illiquid assets and streamline financial processes, according to a report from Forbes. Digital asset manager 21.co optimistically estimates the market for tokenized assets to be as high as $10 trillion.

Major financial players are recognizing the potential of blockchain to contribute to decentralization and secure peer-to-peer transactions. JPMorgan, for example, uses tokenization in the repo market to improve funding efficiency. The European Investment Bank has already issued digital bonds on the Ethereum blockchain, while financial institutions such as Goldman Sachs and Citigroup are implementing blockchain solutions to streamline their operations.

The challenges of tokenization are closely linked to technical, legal and regulatory aspects. Platforms like the XDC Network provide tools for creating security tokens and support compliance with securities laws. Developments in tokenization could not only revolutionize the financial landscape, but also create new opportunities for growth and innovation.

Demand for non-dollar-pegged stablecoins is growing, and Italy's finance minister warned that such stablecoins pose a greater risk to Europe than US President Donald Trump's tariffs. This highlights the challenges associated with the international use of digital currencies and their impact on global financial markets.

Overall, it shows that tokenization and the use of stablecoins play a central role in current financial events and could make the future of investments more accessible through the combination of innovation and regulatory frameworks.

For more information on developments in financial technology, you can read the articles on TradingView and Forbes read.