2026-01-07 04:21:06

The concept of RWA has been popular for so long, but have you noticed—banks are still playing the basic game on public chains, which is issuing stablecoins. It's not that they don't want to do it, but the current DeFi ecosystem simply can't handle the complex stuff of traditional finance.

Imagine how complicated traditional financial derivatives are: three-layer nested structures, delivery dates precise to specific days, and dealing with counterparty credit risk. When these are brought onto public chains, the existing infrastructure is completely baffled.

On-chain infrastructure is still in the "primitive" stage, unable to simulate the complex interactions of traditional financial markets. Only when someone starts seriously solving this problem will we see a real breakthrough. The true explosion of RWA doesn't depend on how popular the concept is, but on whether these deep technical bottlenecks can be cracked one by one.

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UnluckyValidator

· 01-07 04:50

Basically, it's just armchair theorizing. If we really compare it to the complexity of traditional finance, the current blockchain is still far behind. Banks are not fools; stablecoins are the safest choice. Who dares to touch the others? RWA is fiery, but the key is whether the infrastructure can keep up; otherwise, it's all talk. At this stage, it's impossible to handle derivatives with three-layer nesting, and risk control models are also a trap. Breaking through technical bottlenecks is much harder than hyping concepts. Soothsayers, take it easy for now. Ultimately, someone really needs to tackle this tough nut, rather than just bragging that RWA will change the world.

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MEVSandwich

· 01-07 04:48

Basically, the current blockchains are still too weak to handle the complex logic of finance. RWA hype is greater than the actual value; banks are also aware of this. Currently, it's just practicing with stablecoins; real derivatives gameplay is still a long way off. Infrastructure is insufficient; any concept is pointless without it. This is the real problem with RWA, not just the hype around the concept. The breakthrough lies in technology, not in stories. At this stage, it's just waiting—waiting for someone to truly master this. Banks have tried and realized how weak public chains are. It feels like it will take at least two or three more years before there's any hope.

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FOMOSapien

· 01-07 04:42

The stablecoin approach is indeed too primitive, but to be honest, can the complexity of traditional finance be brought on-chain? Current smart contracts simply can't handle it. --- RWA is hot, but without proper infrastructure, it's just paper. Banks have no way around it either. --- That's the real problem—it's not that we don't want to do it, but we simply can't right now. Until the technical bottleneck is broken, RWA will always be floating in the air. --- Moving derivatives onto the chain? Ha, smart contracts will have to learn Tai Chi first. --- Instead of hyping the RWA concept, it's better to seriously think about how to solve the on-chain infrastructure issues. --- Honestly, right now it's just conceptually ahead and technically ten streets behind. Only when someone truly figures this out will there be hope. --- Banks only dare to issue stablecoins, which isn't conservatism—it's the truth. --- On-chain is still in the primitive stage, trying to copy traditional finance? Dream on, buddy. --- The key is still technology; no matter how hot the concept is, it’s useless.

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Web3Educator

· 01-07 04:39

honestly this is the real talk nobody wants to hear... banks literally just copying paste stablecoins while the entire defi infrastructure is basically held together with duct tape and prayers lol

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