2025-12-31 15:22:57

Imagine this: the world's most influential asset management giants are quietly changing the rules of finance.

By the end of 2025, a number will have reshaped the entire industry’s perception—BlackRock’s BUIDL tokenized fund has surpassed $2 billion in assets, while distributing $100 million in on-chain dividends to investors. This is not a niche innovation experiment, but a signal that traditional finance and blockchain are entering a truly practical phase.

**The underlying logic of on-chain finance is being rewritten**

What BUIDL is doing is actually quite simple: turning low-risk assets like U.S. short-term government bonds into tokens, allowing investors to earn continuous yields 24/7. What’s the best part? Dividends are automatically distributed on-chain, with no bank clearing processes, no holiday interruptions, and no layered intermediary fees. Tasks that traditionally require T+2 settlement and complex clearing are completed instantly on the chain.

Since its official launch in March last year, less than 20 months ago, how fast has this product grown? It’s far surpassing any traditional fund. And that $100 million in on-chain dividends is fully automated—something almost unimaginable in traditional finance.

**The RWA track is quietly becoming the new center of DeFi**

This is just the tip of the iceberg. The total on-chain locked value of the entire RWA (Real World Assets) ecosystem has already reached $17 billion, with a growth rate of over 210% in 2025. Even more surprisingly, RWA has overtaken DEXs to become the fifth-largest sector in DeFi. What does this mean? It indicates that the focus of on-chain finance is shifting from pure speculation to real asset allocation.

**Why do 4-5% annual yields attract institutions?**

Many retail investors shake their heads at RWA products offering only 4-5% annual yields, thinking “that’s too boring.” But this actually reveals a cognitive gap—the reason institutions are rushing into RWA isn’t for high returns, but because they’ve found a brand-new asset allocation tool. Stability, transparency, 24/7 liquidity, native on-chain settlement—these attributes are far more valuable to large capital than a few percentage points of yield.

RWA-3,62%

DEFI-4,68%

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pvt_key_collector

· 10h ago

BlackRock has already entered the market, retail investors are still chasing high leverage, it's hilarious

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FUD_Whisperer

· 10h ago

Black Rock's move is truly impressive; a $2 billion RWA scale directly surpasses the entire DeFi's imagination... Wait, is this $100 million dividend really fully automated? I need to check the contract code to believe there's no middleman earning a spread. Retail investors playing for 4-5% is indeed boring, but the game rules for institutions are like this—stability outweighs everything.

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DataPickledFish

· 10h ago

BlackRock is playing this move quite aggressively; $2 billion is no joke. This wave of RWA is really about to turn the world upside down. Retail investors are still trading cryptocurrencies, while institutions have already shifted to allocations. A 4-5% annualized return may sound boring, but for large funds, this is stable cash flow. On-chain settlement is instant; the traditional financial clearing process should be phased out. Automatically executing a $100 million dividend? In traditional funds, that would take ages to process. A 210% growth rate—RWA is quietly rewriting the story of DeFi.

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