IDEAS home Printed from https://ideas.repec.org/a/aza/jdb000/y2025v10i1p54-74.html
   My bibliography  Save this article

Real-world assets in digital banking: Bridging traditional and digital finance

Author

Listed:
  • Madhavji, Aly

    (Blockchain Founders Fund, Singapore)

  • Xu, Jerry

    (Stellar Development Foundation, USA)

Abstract

Real-world assets (RWAs), including bonds, real estate and commodities, are tangible assets with economic value that contribute to the financial ecosystem. This paper will explore how RWAs are being integrated into novel digital banking platforms, focusing on the potential of blockchain technology, tokenisation and smart contracts. It aims to provide an in-depth look at two important areas — corporate banking and investments — while addressing current challenges, showcasing practical applications and illustrating how RWAs can help make financial services more inclusive. By lowering traditional barriers to entry, RWAs can potentially make investments more accessible to a wider audience, thereby creating opportunities for both individuals and financial institutions (FIs) to expand their assets under management (AUM) and financial service offerings. This paper seeks to offer actionable insights for digital banking professionals, encouraging further exploration and innovation in the RWA space. This article is also included in The Business & Management Collection which can be accessed at https://hstalks.com/business/.

Suggested Citation

  • Madhavji, Aly & Xu, Jerry, 2025. "Real-world assets in digital banking: Bridging traditional and digital finance," Journal of Digital Banking, Henry Stewart Publications, vol. 10(1), pages 54-74, June.
    • Handle: RePEc:aza:jdb000:y:2025:v:10:i:1:p:54-74
    as

    Download full text from publisher

    File URL: https://hstalks.com/article/9465/download/
    Download Restriction: Requires a paid subscription for full access.
    File URL: https://hstalks.com/article/9465/
    Download Restriction: Requires a paid subscription for full access.
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    More about this item

    Keywords

    digital banking; real-world assets; blockchain; tokenisation;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • E5 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:aza:jdb000:y:2025:v:10:i:1:p:54-74. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Henry Stewart Talks (email available below). General contact details of provider: .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.