RWA Use Cases

Tokenized RWAs — such as fiat currencies, government bonds, and commodities — are one of the fastest-growing segments in crypto. On Stellar, many of them are already live and integrated into wallets around the world. RWAs can help your wallet serve a broader range of markets and use cases, unlock new monetization opportunities, and drive engagement.

Here are a few key use cases for wallet developers:

1. Onchain Savings & Yield

By supporting access to yield-bearing RWAs like Etherfuse's Stablebonds, wallets can offer savings opportunities backed by real financial instruments. Many of these are permissionless and compatible with DeFi protocols on Stellar.

2. Consumer Cross-Border Payments

RWAs like stablecoins can serve as fast, low-cost mediums of exchange for cross-border remittances and payments. Combined with Stellar's global on- and off-ramp network, wallets can enable seamless conversion between cash and crypto.

3. Hedges Against Inflation

Wallets can help users preserve purchasing power by giving them access to RWAs denominated in historically strong currencies, like USD- or EURC-backed stablecoins. These assets are commonly used as safeguards in countries with high inflation or local currency volatility.

4. B2B Payments

Tokenized RWAs can also enable fast, transparent, and cost-effective settlement for cross-border business payments. Wallets can support invoicing and supplier payouts, helping to streamline operations for businesses operating across multiple currencies.

5. Treasury Diversification

Wallets can enable businesses or individuals to hold diversified portfolios using tokenized RWAs like government bonds, money market funds, and stablecoins – providing access to traditionally inaccessible financial products.