RWA scale on the XDC network exceeds $700 million — Why institutional money is flowing in seriously

The market capitalization of real-world assets (RWA) on the XDC network has surpassed $717 million, signaling not just a technical success but the beginning of serious infrastructure development by institutional investors. Of particular note is that the allocation of funds is shifting from experimental pilot programs to functioning as solid on-chain operational tools.

RWA Chosen by Institutional Investors: The Rise of Private Credit

VERT Capital manages a USDC-denominated private credit fund alone with $345 million—accounting for approximately 48% of the total RWA on XDC. This high concentration indicates a deliberate and large-scale deployment of institutional credit products, moving beyond fragmented trial operations.

Why private credit rather than government bonds? The answer lies in financial efficiency.

Traditional private credit has faced the following challenges despite its complex risk structures:

• Manual settlement processes
• Opaque reporting standards that hinder trust among institutional investors
• High operational costs
• Slow capital allocation

Executing on blockchain eliminates these inefficiencies. Using USDC as the settlement currency allows institutions to achieve predictable cash flows, regulatory compatibility, and reduced counterparty risk simultaneously.

Transition to Balance Sheet Integration—From Proof of Concept to Full-Scale Operations

The composition of XDC’s RWA suggests that tokenization has moved beyond the testing phase. Institutions are no longer testing blockchain in isolation; they are beginning to incorporate tokenized assets as part of structured portfolios.

This shift is significant. Blockchain is increasingly recognized not just as a trading venue but as a financial infrastructure supporting actual cash flows, contractual obligations, and long-term assets. The flow of institutional money prioritizes capital efficiency, settlement reliability, and institutional-grade risk management over speculative profits.

Why XDC Attracts Institutional Capital

The structural advantages of the XDC network closely align with institutional requirements:

• Cost-effective and predictable transaction fees
• Fast and deterministic settlement suitable for financial operations
• Compatibility with compliance-focused use cases
• An expanding ecosystem for trade finance and tokenized credit

The concentration of assets managed by specialized operators like VERT Capital underscores that XDC is establishing itself not as a speculative chain but as a real-world financial settlement layer.

Indicators Signaling the Maturity of the RWA Era

The $717 million milestone is more than just a number. It reflects the industry-wide shift where tokenized real-world assets are evolving from experimental products into manageable tools.

As long as institutional investors continue to prioritize predictable yields, transparent settlement, and regulatory compliance, private credit and stablecoin-denominated financial products will remain central to RWA growth.

Over the coming years, how XDC’s RWA composition evolves will serve as an early indicator of how blockchain is being utilized at the institutional level as a financial infrastructure. Monitoring on-chain data and institutional adoption trends will be highly valuable.