Original Title: "Why RWA + Stablecoins = 'Layer 2 of the Real Economy'?"

Original Author: Ye Kai, Huaxia Digital Capital

Imagine the real world beneath our feet as a mainnet that has been running for hundreds of years: there are stores, factories, bonds, stocks, logistics systems, and countless businesses operating on this mainnet. However, the operational efficiency of this mainnet has long been overwhelmed: financing procedures are cumbersome, cross-border payments are expensive, asset circulation cycles are long, and intermediaries take layers of cuts, reminiscent of the era before Layer 2 was added to Ethereum—congested, slow, and costly.

Now, with RWA combined with stablecoins, it’s like building a new "Layer 2" expansion network for this mainnet of the real economy.

1. Layer 2 is not a replacement but an acceleration

First, what is "Layer 2"? In the blockchain world, Layer 2 is an acceleration layer built on top of the main chain, such as Arbitrum and Optimism, which make originally congested and expensive Ethereum transactions fast and cheap.

In terms of the real economy, if we consider the traditional financial system—including commercial banks, payment networks, trading systems, and clearing systems—as the main chain of the real economy, then "RWA + stablecoins" is its Layer 2. It is not about replacing the existing system but rather allowing key actions like "asset confirmation, financing transactions, and dividend payments" to enter a new track of second-level response and global circulation without changing the rules of the main chain.

2. Why is RWA + stablecoins considered "Layer 2"?

This is because of several key characteristics:

First, it has anchoring

Every transaction on Layer 2 ultimately settles back on the main chain, and the same goes for RWA. Whether it’s a piece of real estate, an accounts receivable, or a U.S. Treasury yield, these real-world assets are fundamentally anchored in real laws and physical existence. You cannot create them out of thin air, nor can you escape offline regulation.

So it is not a virtual game; it is a solid process of "scanning" a real-world asset onto the chain, paired with stablecoins to complete the payment, dividend, and transaction liquidity loop.

Second, it has an independent market and new gameplay

Although RWA is anchored to mainnet assets, the gameplay on the chain is entirely different. You can break down the revenue from a photovoltaic power station into 100,000 tokens and rent them out by the hour to different users; you can put a cold chain warehouse receipt on the chain to use as collateral for cross-border loans; you can even convert the future box office revenue of a film IP into revenue-generating tokens and sell them to fans and investors.

This is the charm of Layer 2—it is built on the mainnet but has an independent market structure, richer asset combination methods, and more flexible financial logic. Stablecoins serve as the "settlement fuel" in this Layer 2, allowing assets to flow freely, revenues to be automatically distributed, and transactions to be fully transparent.

3. What does Layer 2 mean for different roles?

For enterprises, "RWA + stablecoins" provides a channel for "light asset financing." You no longer have to wait for a 90-day account period, be subject to intermediary cuts, or be limited to local markets; as long as you have real assets, you can obtain funding support globally through asset tokenization + stablecoins.

For investors, this is a revolution from "only being able to invest in stocks and bonds" to "being able to invest globally." You can invest in power stations in the Philippines, data centers in Dubai, logistics warehouse receipts in Singapore, and agricultural land yields in Argentina—every fund flows in and out via stablecoins, as quick as swiping a card.

For regulators, RWA allows assets to be on-chain and data to leave traces, while stablecoins provide a monitorable payment path. Compared to traditional underground funding pools and shadow banking, the "RWA + stablecoins" Layer 2 system is actually more controllable, transparent, and easier to audit.

4. A new link: Asset "scanner" + fund "accelerator"

RWA is the "scanner" of the real economy, breaking down the value structure of traditional assets into programmable on-chain tokens; while stablecoins are the "accelerator" of digital finance, enabling every fund to flow globally without intermediaries and with instant arrival. The combination of the two is like inserting a "liquidity chip" into the real world, bringing originally static assets to life, allowing them to run and earn.

Imagine a scenario: a small to medium-sized port operator tokenizes the rental income from dock spaces for the next three years and lists it on the RWA platform; a group of digital investors in Singapore subscribes to these income tokens using USDC, and the platform automatically distributes the earnings back to each investor's wallet using stablecoins; the entire process has no bank intermediaries, no high fees, and is fully settled on-chain. Isn’t this the Layer 2 of the real economy?

Conclusion: The future economy will no longer "go on-chain," but "grow on-chain from the moment of birth"

In this model, we no longer ask "can physical assets go on-chain," but rather "do assets grow on-chain from the moment they are born"; we no longer worry about "how to make cross-border payments," but rather every income is inherently distributed in stablecoins; we no longer wait for financial infrastructure updates, but instead build a "lighter, faster, and more universal" new finance with "RWA + stablecoins."

If the past few decades were about "the internet building highways for information," then now is about "stablecoins and RWA building Layer 2 for value." This new link is quietly changing the underlying logic of global finance, and this "upgrade of economic agreements" has just begun.

Huaxia Digital Capital is a digital investment bank focused on the RWA (Real World Asset Tokenization) sector, dedicated to market research and education, issuance and investment incubation, RWA asset management platforms, digital financial innovation, and other solutions, aiming to build a bridge between real-world assets and the value of the crypto world.

ARAW Always RWA Always Win! The RWA market will rapidly find its place in the wild growth of 2025. For those interested in the topic of RWA and stablecoins, you can add WeChat YekaiMeta to join the discussion group.

This article is from a submission and does not represent the views of BlockBeats.

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