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Feeling Anxious About High Property Prices? RWA Might Be Your Savior!
As a young person in Taiwan with a monthly salary of only NTD 60,000, dreaming of buying a NTD 20 million Taipei apartment but feeling overwhelmed by the NTD 6 million down payment? Every time you see property prices soaring, do you feel powerless? Real World Asset tokenization (RWA) allows you to invest in real estate and gold with small amounts of money, become a “small landlord” earning rental income, or enjoy asset appreciation, quickly saving up for your first home down payment for marriage!
Today, governments worldwide are actively promoting the RWA revolution. We are on the eve of a blockchain financial storm, with hidden turbulence beneath the calm surface!
– Dubai will tokenize luxury homes in 2024, allowing investors to earn 8% rental income with AED 500 (NTD 4,300);
– Singapore’s Project Guardian is promoting gold tokenization;
– BlackRock’s BUIDL Fund in the U.S. (with assets of USD 657 million by 2025) is tokenizing government bonds with a yield of 5%.
RWA allows you to catch up with the wealth train with small amounts of money. So, what exactly is the magic of RWA?
The Past and Present of RWA: Blockchain Innovation in Traditional Finance
Real World Asset (RWA) tokenizes physical assets, transforming traditional financial products such as real estate, gold, and bonds into tokens on the blockchain.
For example, a NTD 20 million apartment can be divided into 400,000 “blockchain bricks,” each costing only NTD 50. Investors can participate with small amounts of funds to enjoy rental or appreciation income without buying the entire property. RWA breaks the limitations of traditional finance through blockchain technology, making wealth accumulation more accessible.
How Does RWA Address Pain Points?
– Low threshold: Invest in luxury homes or gold with small amounts of funds, allowing young people to participate in the global asset market.
– High liquidity: Blockchain supports 24/7 trading, allowing for flexible fund movement.
– Low costs: RWA transaction fees are around 0.08%-0.1% (about NTD 40-50 for a NTD 50,000 transaction), management fees are 0.15%-1% per year (NTD 75-500), much lower than real estate (2-3%) or bond funds (0.5%-1%).
– Transparency and efficiency: Asset valuation is updated every six months by professional institutions (such as SGS Taiwan), blockchain records are tamper-proof, smart contracts automatically distribute profits, eliminating intermediary costs.
– Global participation: Invest in Dubai luxury homes, U.S. government bonds, breaking geographical restrictions.
Ready to start investing with RWA? Keep reading!
How Does RWA Work?
RWA tokenizes assets such as luxury homes and gold into “blockchain bricks,” allowing you to buy and sell like shopping on Shopee. Here is the operational process of RWA, simple and transparent:
– Asset selection: Financial institutions or blockchain companies (such as Paxos, Centrifuge) select and establish RWA projects. High-value assets like Taipei luxury homes or physical gold are valued every six months by professional institutions (such as SGS Taiwan) to ensure authenticity.
– Tokenization and segmentation: Assets are divided into small tokenized units, for example, a NTD 20 million apartment is divided into 400,000 units, each costing only NTD 50, recorded on the blockchain (such as Ethereum).
– Regulatory compliance: Projects comply with international regulations (such as SEC, MAS) and Taiwan FSC AML/KYC requirements, disclosing asset details to protect investor rights.
– Price updates: Oracles (such as Chainlink) provide real-time data on house prices, gold prices, etc., ensuring accurate pricing and reducing fraud risks.
– Convenient trading: Trade 24/7 on compliant platforms (such as OKX), buy and sell at any time with no lock-up period, flexible fund movement.
RWA allows you to invest in real estate with small amounts of funds, much lower than a NTD 6 million down payment, and you can sell at any time with no restrictions worldwide! Which RWA projects are suitable for Taiwanese beginners? Let’s reveal!
Investment Options for Taiwanese Beginners: International Compliant RWA Projects
This article does not constitute investment advice. Please consult a professional financial advisor and assess risks on your own.
Below are three international RWA projects selected on June 5, 2025, meeting international regulations (SEC, MAS) and Taiwan laws (FSC “Guidelines for Virtual Asset Service Providers” AML/KYC requirements), suitable for Taiwanese individual investors. All investment channels are legal for Taiwanese investors, complying with the “Foreign Exchange Management Regulations” without forex control restrictions (individual annual forex remittance limit of USD 5 million).
PAXG Digital Gold
Like storing gold in a digital wallet, trade anytime!
What it is: Paxos’ PAXG corresponds to an ounce of London Good Delivery gold bar stored in Brink’s vault, safe and reliable.
How to invest: Through OKX or MAX Exchange, minimum transaction amount around USD 10 (NTD 320, according to OKX and MAX trading regulations). KYC completion with passport and address proof takes about 10-15 minutes.
Earnings: Annual returns of 3-5% (gold price appreciation + trading spread), 24/7 tradable.
Investment highlights:
– Regulation: Paxos regulated by the New York State Department of Financial Services (NYDFS), complying with Taiwan FSC AML/KYC requirements (based on the 2023 “Virtual Asset Guidelines”).
– Minimum transaction amount: OKX and MAX Exchange minimum transaction amount USD 10 (NTD 320); Paxos website minimum purchase 0.03 PAXG (around USD 75, NTD 2,400, based on June 2025 gold price of USD 2,500/ounce).
Fees:
– OKX trading fee 0.08%-0.1% (NTD 320 transaction about NTD 0.3-0.4); MAX fee 0.1% (NTD 320 about NTD 0.3).
– PAXG management fee (storage fee) 0.4% per year (NTD 320 investment about NTD 1.3 per year).
– Transfer fee (blockchain gas fee): Ethereum around USD 2-10 (NTD 64-320), depending on network congestion.
Taiwanese individual investor qualifications: Taiwanese individual investors can participate through OKX and MAX Exchange, no geographical restrictions (confirmed by Paxos website and OKX in June 2025). KYC completion, complying with FSC “Virtual Asset Guidelines” and “Anti-Money Laundering Act.”
Platform:
– OKX: Supports PAXG/USDT trading pair, Taiwan users can register, legal to deposit in NTD (bank transfer).
– MAX Exchange: Local Taiwanese VASP (registered with FSC), supports PAXG, KYC requires ID and passport, legal and compliant.
Taxation: Profits are subject to capital gains tax, need to report Taiwan income tax (up to 40%), platform provides trading reports.
Risk: Gold price fluctuations (10% in 2024), recommended to track on CoinGecko.
Suitable for: You who seek stability and inflation resistance!
Centrifuge
Like lending money to small shops, stable interest income!
What it is: Centrifuge Tinlake platform tokenizes SME loans and invoice financing, supporting businesses and providing investment returns.
How to invest: Through MetaMask (connect to Tinlake) or OKX, minimum transaction amount USD 5,000 (NTD 160,000, according to Tinlake specifications). KYC requires passport, address proof, and tax information, takes about 15-30 minutes. Quarterly dividends.
Earnings: Annual returns of 5-7% (depending on asset pools).
Investment highlights:
– Regulation: Regulated by the EU MiCA and some SEC (depending on asset pools), complying with Taiwan FSC AML/KYC requirements.
– Minimum transaction amount: Tinlake asset pool minimum investment USD 5,000 (NTD 160,000), set by the pool issuer (according to Centrifuge website and Tinlake documentation). OKX’s CFG token trading minimum around USD 1 (NTD 32), but not equivalent to asset pool investment.
Fees:
– OKX fee 0.1% (NTD 160,000 transaction about NTD 160); Tinlake management fee 0.5%-2% per year (NTD 160,000 about NTD 800-3,200, depending on asset pools).
– Tinlake management fee (asset management and dividend fees) about 0.5%-2% per year (NTD 160,000 investment about NTD 800-3,200, depending on asset pools).
– Gas fee: Ethereum around USD 4-60 (NTD 128-1,920); Polygon as low as USD 0.01 (NTD 0.32).
Taiwanese individual investor qualifications: Taiwanese individual investors can participate through MetaMask or OKX, need to complete Securitize KYC provider verification (non-U.S. residents do not need to prove accredited investor status). No geographical restrictions in Taiwan (confirmed by Centrifuge website and X post in 2024), but need to submit W-8BEN form (non-U.S. resident tax declaration). Compliance with FSC “Virtual Asset Guidelines” and “Anti-Money Laundering Act.”
Platform:
– MetaMask: Direct investment pool connection to Tinlake, no restrictions for Taiwanese users, requires familiarity with digital wallets, KYC compliant.
– OKX: Supports CFG token and some Tinlake asset pools, Taiwanese users can register, legal to deposit in NTD, compliant with FSC regulation.
Taxation: Profit subject to Taiwan income tax (up to 40%), Tinlake provides reports, accounting assistance may be needed for record-keeping.
Risk: Default risk of businesses (average of 1.5% in 2024), recommended to diversify investments.
Suitable for: You who want to take some risk and earn higher returns!
RealT Real Estate
Like owning a small part of a U.S. house, earn rent every day!
What it is: RealT tokenizes U.S. rental properties, investors become “small landlords,” earning daily stable coin dividends.
How to invest: Through the RealT website or OKX, minimum transaction amount USD 50 (NTD 1,600). KYC requires passport, address proof, and tax information, takes about 15-30 minutes. Daily dividends.
Earnings: Annual returns of 6-8%-15% (depending on properties).
Fees:
– RealT transaction fee 0.1%-2% (depending on the trading platform, NTD 1,600 transaction about NTD 1.6-16).
– Management fee (property maintenance and rental distribution): 0.5%-2% per year (NTD 1,600 investment about NTD 6-16).
– Gas fee: Algorand around USD 0.01 (NTD 0.32).
Taiwanese individual investor qualifications: Taiwanese individual investors can participate through the RealT website or OKX, no geographical restrictions (confirmed by RealT website and June 2025). KYC completion (compliant with SEC Regulation D and FSC “Virtual Asset Guidelines”), no need to prove accredited investor status. Compliance with the “Anti-Money Laundering Act.”
Platform:
– RealT: Website supports USDC purchase, no restrictions for Taiwanese users, requires MetaMask, KYC compliant.
– OKX: Supports some RealT tokens, legal to deposit in NTD, compliant with FSC regulation.
Taxation: Rental income is foreign income, need to declare Taiwan income tax (up to 40%), RealT provides reports.
Risk: U.S. housing market fluctuations (5% rent volatility in 2024), exchange rate impact (5% volatility in 2024).
Suitable for: You dreaming of being a landlord and saving for a down payment!
Ready to start your wealth journey with these projects?
Conclusion: Rewrite Your Wealth Story with RWA
Feeling hopeless about high property prices? RWA allows you to step into real estate with small funds, earn rent, save for a down payment, getting closer to your dream home! Imagine waking up every day with additional income in your wallet, turning financial pressure into the motivation to achieve your dreams. RWA allows you to grasp the $30 trillion market with small funds, without being blocked by high thresholds. A journey of a thousand miles begins with a single step! Start learning to earn today!