From Institutions to Developers: How Rayls democratises the use of RWA

Have you ever wondered what might drive traditional finance to fully integrate with decentralised finance, opening up endless possibilities for both worlds? We believe this integration will happen through the tokenisation of real-world assets. This is precisely the future Rayls envisions: an ecosystem that bridges these two financial spaces, where financial institutions can offer their clients tokenised assets with the necessary security, compliance, and ease of use, fostering a more inclusive and efficient economy.

And today, tokenisation is no longer a distant concept. Recent projections show that it is actively reshaping finance. According to the World Economic Forum (WEF) and Boston Consulting Group (BCG), up to 10% of global GDP could be tokenised by 2030 (around $16 trillion), potentially soaring to $68 trillion in an ideal scenario. This transformation is not just technological but represents a complete redefinition of how value is perceived, exchanged, and utilised across the global economy.

But how does Rayls democratise access to tokenisation for institutions, developers, and end users in practical terms? Is it really possible? The answer is yes, and this article will show you how.

The challenges of RWA adoption

Despite the enormous potential of RWAs, several structural challenges hinder their widespread adoption by financial institutions:

1. Regulatory Complexity: Compliance requirements vary significantly between jurisdictions, making global adoption difficult.
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2. Transparency vs. Privacy: Most blockchains today are permissionless, offering full transparency and accessibility. While this fosters decentralisation and trust, it presents challenges for institutions requiring privacy and regulatory compliance.
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3. Siloed Permissioned Networks: Some solutions place banks in fully permissioned environments to address privacy requirements. However, these isolated systems lack external connectivity, preventing institutions from leveraging decentralised financial innovations.
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4. Legacy Systems: Many financial institutions rely on outdated infrastructure that is incompatible with blockchain technology, causing friction in the adoption of tokenised assets.
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5. Scalability: As tokenised assets proliferate, blockchain networks must be capable of handling large transaction volumes efficiently.

How Rayls addresses these challenges for FIs

Rayls directly tackles these challenges with a hybrid financial infrastructure that merges the strengths of permissioned systems with the innovation of decentralised networks.

Rayls operates with two core layers:

• Private Subnets: Institutions can operate within private, fully customisable environments where they can implement their own compliance and security protocols.
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• Public Chain: Serves as a liquidity aggregator, enabling seamless interaction with the broader blockchain ecosystem.

To further enhance scalability and efficiency, Rayls also integrated with Arbitrum Orbit, enabling lower transaction costs, faster processing speeds, and interoperability with Ethereum-based applications.

Because of that, Rayls' architecture facilitates seamless institutional adoption. This approach allows banks, asset managers, and financial service providers to integrate blockchain solutions without worries.

Security and compliance by design

In the Rayls ecosystem, security is a top priority. In practical terms, we employ advanced cryptographic solutions, such as Zero-Knowledge Proofs (ZKPs) and Fully Homomorphic Encryption (FHE), to keep transactions private yet verifiable.

Furthermore, built-in identity attestation and AML measures provide institutions with a trusted blockchain solution that aligns all the compliance requirements, removing a key barrier to adoption.

Empowering developers

For developers, the Rayls ecosystem is a gateway to building the next generation of financial applications. Functioning like a dApp marketplace, the Public Chain will provide a launchpad for fintech innovations, connecting developers directly with financial institutions through comprehensive API and SDK.

In addition, Rayls is committed to fostering innovation by supporting developers through future incentive programmes. Planned initiatives include grants, hackathons, and strategic support, ensuring that the ecosystem remains active and continues to evolve with the needs of the market.

Possibilities for users

For end-users, Rayls democratises access to tokenised finance by providing seamless integration between Web2 and Web3 environments. Web3 users can interact with RWAs through wallets and DeFi platforms, while Web2 users gain exposure to tokenised financial products via traditional banking interfaces.

Rayls ensures a smooth onboarding experience. Institutional clients can leverage permissioned subnets for secure operations, while individual users can engage with the Rayls Public Chain, where KYC procedures guarantee compliance and security. This dual-entry system makes tokenised finance more accessible to a broader audience.

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Want to get involved?

• Institutional: Looking to integrate Rayls into your financial operations? Talk to one of our experts here.
• Developers: Want to build on Rayls? Join the community on Discord and meet other developers.
• Users: Follow Rayls on X and stay tuned for our next launches.

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