C A S H I N G I N
C A S H I N G I N
ACCORDING TO A BERNSTEIN REPORT , TOKENISATION REPRESENTS A US $ 5 TRILLION OPPORTUNITY IN THE NEXT FIVE YEARS .
in the DeFi ( Decentralised Finance ) context , AI could optimise interest rates or liquidity provision based on market conditions and real time financial and business data of lenders .
We are likely to see the integration of AI agents into Decentralised Autonomous Organisations ( DAOs ) to make autonomous , data-driven decisions on Blockchain networks . The current operational practice typically involves active analysis and management by the DAO directors or those engaged to carry out the DAO ’ s daily functions . These functions include proposing governance decisions to the community of token holders in the DAO . Incorporating AI agents into this ecosystem will offer a more efficient mechanism to analyse on-chain and off-chain data to propose governance decisions ( e . g ., portfolio management , token issuance ) or carry out more complex tasks without human intervention on the functions assigned to the AI agent .
Tokenisation of real-world assets ( RWAs )
The tokenisation of RWAs , such as real estate , stocks and commodities , is expected to see continued growth in 2025 . According to a Bernstein report , tokenisation represents a US $ 5 trillion opportunity in the next five years . This trend involves the process of fragmenting an asset into digital tokens that represent the underlying property with all its rights and obligations , allowing for greater liquidity and accessibility . Investors can diversify their portfolios by holding fractions of high-value assets , creating opportunities for fractional ownership and easier trading . As a recent report from the Federal Reserve notes : ‘ Among the benefits of tokenisation , lowering barriers to entry into otherwise inaccessible markets and improving the liquidity of such market are the most prominent .’
As illustrated through the example of tokenisation of fractional real estate interests , the opportunities and access created by investing in real estate through tokenised interests are groundbreaking in the industry .
Lower barriers to entry
For many unable to financially contribute a significant down payment or overcome the barriers to entry created by high interest rates on mortgages for the purchase of an investment property , tokenised real estate interests allow entry to true ownership for literally a fraction of a dollar .
Liquidity
Tokens representing the fractional ownership of real estate interests can be bought and sold at any time , and the token holder has the right to participation in the value generated from property appreciation . Lending pools may also be available on platforms allowing token holders to either stake their property tokens , stablecoins or both .
This liquidity pool may be managed by an algorithmic market maker that buys and sells property tokens for stablecoins . This function offers the ability to buy and sell ownership in real estate in a process very similar to buying or selling shares of a public company ’ s stock .
Transparency and automation
Being Blockchain-based , the marketplace provides clear records of ownership and transaction history for all users . And smart contracts streamline compliance and reduce intermediaries in the automated process .
Commodities such as gold or other precious metals , energy resources such as oil or natural gas , and agricultural products also lend themselves well to tokenisation . Collectibles ( e . g ., artworks , luxury goods and trading cards ), intellectual property and royalties ( e . g ., music royalties , copyright ownership for digital media / films ), and currencies ( e . g ., stablecoins like USDC and USDT ) are examples of other assets that can be tokenised creating opportunities that previously never existed . � www . intelligentfin . tech
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