RWA calls for a true digital investment bank: farewell to Shitcoin and rebuild Complianceissuance

In the field of digital assets, RWA (Real World Assets) is becoming a new focus in the digital asset space, becoming a new category of assets that is highly followed. Unlike the traditional coin circle's Shitcoin, memecoin, and other "on-chain native" Tokens, RWA tokenizes real-world assets (such as new energy, computing power centers, real estate, stocks, bonds, etc.) through blockchain technology as a value anchor, enabling them to be traded and managed on-chain, realizing the combination of "on-chain Liquidity" and "off-chain real value." It also moves the "three barriers" of finance, law, and technology to the Web3 world - a gap that the traditional "coin" model cannot overcome. Therefore, the issuance and sale of RWA involve complex legal, financial, and technical issues, requiring professional digital investment banks to support and ensure the project's compliance, security, and market success. This article will discuss the differences between RWA and traditional Tokens, the role of digital investment banks, and their differences from "unlicensed service providers" from three aspects.

1. The difference between RWA and traditional coin issuance Token in the crypto world

There is a significant difference in essence between RWA and the issuance of Shitcoin and memes in the traditional coin circle. The issuers in the traditional coin circle are usually a team of technology enthusiasts familiar with Blockchain technology, but the tokens issued (such as Shitcoin and memes) often lack practical value support. These tokens mainly rely on market speculation and community popularity to attract retail investors. The investment model is relatively unique, and the issuers do not need to understand the identity of investors, and the regulatory and compliance requirements are relatively low.

RWA and Shitcoin/memecoin have three fundamental differences:

| | | | | --- | --- | --- | | Dimension | RWA | Shitcoin/meme****coin | | Value Support | Real assets (real estate, bonds, equity, etc.) | Community sentiment, stories, or pure speculation | | Compliance requirements | Must comply with regulatory policies in multiple countries, such as securities, trusts, taxation, etc. | Regulatory gray areas, low threshold | | Investor Protection | Need for Compliance measures such as KYC/AML, information disclosure, custody, and audit | Issuers do not need to understand the identity of investors, information disclosure is arbitrary, and the deception is strong |

In contrast, RWA has the following unique characteristics:

Actual Value Support: RWA is backed by tangible or intangible assets in the real world, such as real estate or financial securities, with real economic value.

High Compliance Requirements: RWA involves real-world assets, and their issuance and trading must comply with relevant national and regional laws and regulations.

Investor Protection Needs: Due to the authenticity and complexity of assets, RWA needs stronger transparency and protection mechanisms to safeguard the interests of investors.

These characteristics determine that RWA is not a Shitcoin and memecoin "change skin" coin, but a "asset securitization + Block chain" reconstruction project, which must be measured by the rigorous standards of traditional finance. This makes the issuance and sale of RWA unable to follow the simple mode of the traditional coin circle, but requires more professional and standardized legal and professional intermediary institutions to provide various professional issuance service support.

II. Digital Investment Bank: The Core Hub of RWA Infrastructure

The success of RWA's issuance and sales relies on the support of a professional digital investment bank. The role of Digital Investment Bank (DIB) is equivalent to transplanting the full set of processes of real-world investment banks onto on-chain and deeply integrating with Blockchain technology. As a new type of financial institution, a digital investment bank has the ability to integrate resources, provide professional advisory services, and market promotion. Its specific roles in RWA projects include:

Establish RWA project standards

The digital investment bank is responsible for formulating the specifications and standards of the RWA project, including: building legal framework, asset assessment methods, on-chain governance, risk control measures, and information disclosure, and other five major Compliance standards. These standards can enhance the transparency and security of the project, allowing investors to "see at a glance" the risks and returns of different RWA, providing reliable reference for investors.

Organize all kinds of professional intermediaries

The issuance of the RWA project involves collaboration among multiple parties. Digital investment banks need to work together with intermediaries such as law firms, accounting firms, asset appraisal agencies, rating agencies, etc., to jointly complete tasks such as asset authenticity audit, Compliance review, cash flow monitoring, financial audit, KYC/AML, etc., to ensure that the project complies with regulatory requirements.

Assist the issuance person in completing the Compliance issuance design and on-chain deployment

Digital investment banks help issuance people deal with complex Compliance processes, such as asset valuation, risk disclosure, and information transparency, choose the appropriate Token model (bond type/ stock type/ share type), write secure and upgradable contracts, embed default disposal and profit distribution logic, thereby reducing legal risks and ensuring project Compliance.

Undertaking and Selling RWA Projects

Digital investment banks utilize their market resources and channels, responsible for roadshows, connecting with CEX, ComplianceDEX, and qualified investor portals, finding suitable investors for RWA projects, and promoting project sales work to enhance project market acceptance and financing efficiency; post-listing, maintain secondary market Liquidity through market-making.

Continuous Information Disclosure& Lifecycle Management

After the listing of the RWA project, through maintaining on-chain/off-chain data synchronization, regularly disclosing financial reports, adjusting project ratings, etc., in the event of significant asset disposal, abnormal trading, etc., mandatory information disclosure is carried out. By managing the project's entire lifecycle, investors' rights are protected.

From the above functions, it can be seen that the Digital Investment Bank (DIB) is not a "technical outsourcing" or "public relations intermediary", but a triple combination of RWA Compliance pipeline, sales channel, and risk barrier; the Digital Investment Bank not only provides technical support for RWA projects, but also plays a key role in legal Compliance and market promotion.

The difference between digital investment banks and "RWA full service providers"

There are some unlicensed 'RWA full-service providers' in the market, which usually only provide technical support for Token issuance, without involving sales or Compliance services. The two have five major differences in nature:

| | | | | --- | --- | --- | | Key Capability | Digital Investment Bank (DIB) | Unlicensed "end-to-end service provider" | | Licensing Supervision | Holding a license from a qualified institution, under financial supervision | Usually unlicensed, operating in a gray area | | Project Due Diligence | Standardized process, independent third-party audit | Most lack professional due diligence, relying solely on the project's self-reporting | | Full-cycle underwriting | Including pricing, underwriting, Liquidity market making, etc. | Only do technical issuance, and pass the buck to the project party | | Investor Protection | Accessible to institutional channels, attracting professional funds | Mainly relies on retail/FOMO, fragile reputation | | Risk Isolation | Custody, SPV, insurance, legal recourse closed loop | Assets and funds are mixed in pools, making it difficult to hold accountable |

Compared with these service providers, digital investment banks have significant advantages:

Higher Compliance

Digital investment banks are generally subject to the laws and regulations of local regulatory authorities such as the securities regulatory commission, providing reliable Compliance guarantees for RWA projects; while unlicensed service providers often lack regulation and have Compliance risks.

More Comprehensive Services

Digital investment banks not only support Tokenissuance, but also provide full-process services from project standard setting to sales, which is more comprehensive compared to service providers that only offer technical support.

Stronger market reputation

With its expertise and influence, digital investment banks can help RWA projects gain more trust and attract more investors to participate.

Unlicensed so-called "RWA full-service providers" are more like "coin factories", and they are prone to becoming "Compliance shortcoming" and "systemic risk source" in the issuance of RWA projects. In order to make RWA a bridge between traditional finance and Web3, professional Digital Investment Banks (DIB) must be used to provide underwriting services for RWA.

For the project party, RWA is a threshold tokenization financing method, choosing a professional digital investment bank (DIB) to provide a full set of Compliance services, not only Compliance needs, but also the necessary path to win the trust of institutional investors;

For investors, treating 'whether endorsed by a digital investment bank' as a basic screening criteria, staying away from unaudited, non-continuously disclosed pseudo RWA projects, is the best risk control measure to safeguard their investment interests;

For regulators, encourage licensed institutions to embrace on-chain RWA project issuance, pave the way for Compliance for RWA projects, and reduce systemic risks.

The future of RWA does not belong to the extension of "Shitcoin logic", but to the reconstruction of "digital investment banking + Compliance assets".

RWA, as an innovative model that combines real-world assets with Blockchain technology, has fundamental differences from the traditional coin issuance of Shitcoins and memes. Its issuance and sale require a professional digital investment bank to support. A digital investment bank ensures the smooth progress of RWA projects by establishing project standards, collaborating with intermediaries, assisting in Compliance, and undertaking sales. Compared to unlicensed "RWA all-in-one service providers" in the market, digital investment banks have significant advantages in Compliance, comprehensive services, and credibility. The future of RWA does not belong to the "Shitcoin logic" extension but to the reconstruction of "digital investment bank + Compliance assets." Only when standards, Compliance, and Liquidity are integrated, real assets can truly cross the on-chain tunnel, creating long-term, stable, and reliable value for global investors and the real economy. With the continuous development of the RWA market, digital investment banks will play an increasingly important role in promoting the popularization and standardization of RWA.