Your clients today are asking about Bitcoin and Ethereum. You can see the appeal—the growth potential, the headlines, the buzz. But the volatility? That’s something you’re not exactly rushing to recommend.

Traditional finance feels safer, more secure, and credible. Yet, the opportunities in Web3 finance are getting louder and harder to ignore. So, how can you begin to consider Web3 assets for your clients?

A new world of opportunities is opening within Web3 finance, especially through the tokenization of real-world assets (RWAs). These assets carry the same stability and credibility as traditional finance products—think money market funds (MMFs) or Treasury Bills—but with exciting new features that could unlock fresh avenues for investment. We’re talking enhanced liquidity, lower minimums, faster transactions, and more flexibility.

This guide is here to help you understand the value of on-chain RWAs, explore how Web3 finance can open new investment opportunities for your clients, and why now is the time to consider these products as part of your clients’ portfolio strategy.

What Are Tokenized Real-World Assets and Why Should You Care?

Tokenized RWAs refer to real-world assets like money market funds, bonds, or private credit, but in a digital format using blockchain technology. These assets are ‘tokenized’ by creating digital representations on the blockchain, allowing for the same types of traditional investments—but with enhanced efficiencies, greater accessibility, and transparency.

Key benefits include:

• Enhanced Liquidity: On-chain RWAs can be traded anytime, anywhere, unlocking liquidity that traditional markets may not offer. This is crucial for clients who need more flexibility in how they manage their portfolios.

• Lower Minimums: Tokenized assets generally have lower investment requirements via fractional ownerships. This makes them more accessible to a broader range of clients and allows for easier diversification across various assets.

• Efficient Allocation: Tokenized RWAs enable seamless portfolio integration, allowing family offices to compliantly access traditional asset classes while leveraging the flexibility and speed of digital finance solutions.

What Are Some RWA Opportunities Worth Considering?

The market for tokenized RWAs is growing rapidly, and there are several strong opportunities to explore. Here are some prominent options in each asset class (including DigiFT’s offerings) to give you a well-rounded perspective.

Money Market Funds

• BENJI: A tokenized version of Franklin Templeton’s OnChain U.S. Government Money Market Fund (FOBXX), represented by the BENJI token. It provides access to short-term debt investments with lower investment minimums, liquidity, and relatively low risk.

• uMINT (UBS USD Money Market Investment Fund): uMINT is a tokenized fund, backed by an AAA-rated portfolio of short-duration, high-credit money market instruments, that is managed by UBS Asset Management and distributed by DigiFT. uMINT offers institutional-grade credibility and yield potential with lower minimums, daily liquidity, and daily income—allowing family offices to diversify more easily across assets.

Tokenized MMFs offer a unique opportunity to leverage the stability of traditional MMFs with new use cases on the blockchain. For example, uMINT’s integration into the Amber Premium Crypto Card allows clients to earn yield on their stablecoin holdings while spending via Visa-supported merchants, making it a seamless solution for clients who wish to blend investment and everyday usage.

Fixed Income

• HYDB1025 (DigiFT High Yield Bank Bond Token): HYDB1025 is a tokenized bond offering exposure to high-yield debt instruments. It provides investors with an opportunity to diversify their portfolios by incorporating fixed-income assets with high return potential. Backed by Deutsche Bank-issued high-yield bank bonds, this token is structured to offer competitive yields typically associated with high-yield bonds, while maintaining a moderate risk profile.

• OUSG (Ondo Short-Term US Treasuries Fund): OUSG is a tokenized fund that provides exposure to short-term US Treasuries. This token is designed for investors seeking stability and a conservative return profile, with a focus on liquidity and transparency. It delivers the safety and predictability of US Treasuries, with a return potential aligning with the asset class.

• ACRED (Apollo Diversified Credit Securitize Fund Token): ACRED offers tokenized access to Apollo’s diversified private credit strategy, encompassing corporate direct lending, asset-backed lending, and structured credit. Unlike traditional private credit investments that often require multi-year lockups, ACRED enhances investor flexibility by providing quarterly liquidity.

• iSNR (Invesco US Senior Loan Strategy): iSNR derives its performance from a $6.3 billion private credit strategy managed by Invesco, primarily consisting of senior, first-lien loans. Offering exposure to a high-quality, floating-rate credit portfolio traditionally characterized by higher yields, iSNR provides daily liquidity and lower minimum investment thresholds, democratizing access to institutional-grade private credit.

Tokenized bonds and private credit instruments offer the same core benefits as traditional fixed-income assets—providing stability, income generation, and risk diversification. As on-chain assets, they are increasingly becoming a key component of digital asset portfolios, helping balance risk while enabling enhanced flexibility in managing investment strategies.

For instance, iSNR was launched on multiple blockchains, including Ethereum and Arbitrum, to meet the needs of different investors who utilize various blockchains for diverse reasons—be it for higher liquidity, lower transaction costs, or enhanced interoperability. It is also integrated into Web3 applications like IOST and Plume Nest, enabling investors to stake and generate yield—providing high-net-worth individuals (HNWIs) and family offices with opportunities to earn returns more efficiently.

Exploring Web3 for Your Clients: A Subtle Shift in Strategy

As a family office, your goal is to safeguard and grow wealth for your clients. Tokenized RWAs like uMINT and iSNR give you a way to diversify and optimize returns in ways that fit seamlessly with your clients’ needs, all while staying within a compliant and regulated framework.

The world of Web3 finance is still new and can be daunting, but it’s no longer just a buzzword—it’s an avenue for real investment opportunities that could complement traditional finance strategies. Tokenized RWAs aren’t just about ‘new’—they’re about providing new solutions to traditional needs: liquidity, yield, and access.

By embracing these opportunities, family offices can offer their clients flexibility, transparency, and the chance to participate in the growth of a truly innovative financial ecosystem. The question isn’t whether you should explore tokenized RWAs—it’s how soon can you start?

Disclaimer: DigiFT and/or its affiliates endeavor to ensure the accuracy and reliability of the information provided, but do not guarantee its accuracy and reliability and accept no liability (whether in tort or contract or otherwise) for any loss or damage arising from any inaccuracy or omission or from any decision, action or non-action based on or in reliance upon information contained on this article. This is not an advertisement making an offer or calling attention to an offer or intended offer. Before making any investment decision, please seek independent legal and financial advice. This document is distributed in Singapore only to Accredited Investors and Institutional Investors within the meaning of Securities and Futures Act 2001 and is not intended for investors who are not such accredited investors. DigiFT accepts no legal responsibility for the content of this article to other investors, which is not intended for them.