The last AMA with GRVT @grvt_io also discussed this topic: whether there is a truly usable wealth entry point on-chain might be a very important issue in the next stage;

Especially as BTC is currently in a downward trend, most people primarily hold stablecoins, so if the yields are decent, it remains very attractive.

Now institutional assets are indeed on-chain,

Names like BlackRock, Franklin Templeton, and Apollo have already appeared; there are also a large number of stablecoins idly sitting on-chain for the long term. But what is missing in between is a foundational layer that can put “yield, trust, liquidity, and composability” in the same account.

If in the past DeFi felt more like searching for pools, finding yields, and bearing various contract risks, then what GRVT wants to do is more like an on-chain wealth management entry point: assets can earn interest, and just by placing them inside, returns can be generated, while also serving as collateral to generate earnings while maintaining exit liquidity. As the CEO said: composability + liquidity + institutional-grade assets as the core moat.

This direction is very interesting, but RWA should not just look at APY; we must also consider the underlying assets, custody structure, liquidity, and risk disclosure. Therefore, I would view it as a new direction worth continuous observation, rather than simply understanding it as a “high-yield product.”

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