Blockchain-3-RWA-1700225 blockchain RWA.pptx

Blockchain-3-RWA-1700225 blockchain RWA.pptx

1. Recent Developments in Blockchain Technology (2022-2025) Riri Fitri Sari 3 rd Meeting Blockchain Technology 17 February 2025

2. I. Introduction Overview of Blockchain Evolution : the transition from cryptocurrency-focused applications to diverse real-world implementations. Scope of Discussion : Significant advancements in blockchain technology over the past three years, emphasizing private and public blockchain enterprises and the tokenization of real-world assets (RWAs).

3. II. Technological Advancements in Blockchain Integration with Artificial Intelligence (AI) : the convergence of AI and blockchain, leading to innovative applications and enhanced data processing capabilities. Enhanced Security Protocols : the development of advanced consensus mechanisms and encryption methods to bolster blockchain security. Scalability Solutions : initiatives aimed at increasing transaction speeds and reducing energy consumption, such as layer-2 solutions and sharding techniques.

4. III. Emergence of Private and Public Blockchain Companies Redbelly Network : Background : Originated from research at the University of Sydney and CSIRO's Data61; commercialized in 2021. Focus : Specializes in compliant on-chain tokenization of RWAs, utilizing a leaderless consensus mechanism for enhanced security. citeturn0search37 Paxos Trust Company : Services : Offers crypto brokerage, stablecoins like Pax Dollar (USDP), and tokenized assets such as PAX Gold. Innovations : Developed a blockchain-based securities settlement service, receiving SEC approval in 2019. citeturn0search39 MANTRA : Initiatives : Partnered with Dubai's DAMAC Group in 2025 to tokenize over $1 billion in Middle Eastern assets, enhancing investment accessibility and liquidity. citeturn0search0 Ondo Finance : Offerings : Introduced tokenized U.S. Treasuries (OUSG) and developed Flux Finance, a lending protocol utilizing tokenized Treasuries as collateral. Collaborations : Plans to transfer $95 million in assets to BlackRock's tokenized fund BUIDL, exemplifying integration with traditional finance. citeturn0search1

5. IV. Tokenization of Real-World Assets (RWAs) Concept and Benefits : Definition : Conversion of physical assets into digital tokens on a blockchain. Advantages : Improves liquidity, transparency, and accessibility of traditionally illiquid assets. Notable Projects : Dianelum's Tokenized Issuance : In February 2025, Dianelum launched Spain's first tokenized issuance, offering €5 million in digital securities backed by sustainable diamond manufacturing. citeturn0news26 State Street's Tokenized Bonds : Exploring tokenization of bonds and money market funds to enhance efficiency and risk management in financial markets. citeturn0news29 Challenges and Considerations : Regulatory Compliance : Navigating diverse legal frameworks across jurisdictions. Technological Integration : Ensuring interoperability between blockchain platforms and existing financial systems. Investor Education : Promoting understanding and trust in tokenized assets among traditional investors.

6. V. Case Studies RealT's Detroit Properties : Model : Fractional ownership of rental properties through blockchain-based tokens. Challenges : Faced operational issues, including maintenance neglect and financial mismanagement, highlighting the importance of robust property management in tokenized real estate. citeturn0news27 UK's Focus on Tokenization : Context : Amidst the U.S. administration's emphasis on cryptocurrency, the UK aims to lead in tokenizing mainstream assets, leveraging regulatory support to attract global investments. citeturn0news25 VI. Future Outlook Institutional Adoption : Anticipate increased involvement of traditional financial institutions in blockchain projects, particularly in asset tokenization. Regulatory Developments : Expect evolving legal frameworks to provide clearer guidelines, fostering innovation while ensuring consumer protection. Technological Innovations : Ongoing advancements in AI integration, scalability solutions, and security protocols will continue to shape the blockchain landscape.

7. Overview of blockchain evolution in Indonesia Key drivers of blockchain adoption (fintech, government regulations, Web3 trends) Importance of blockchain in Indonesia’s digital transformation Blockchain Regulatory Landscape in Indonesia (10 minutes) OJK (Financial Services Authority) and BI (Bank Indonesia) stance on blockchain and crypto Indonesia’s regulatory framework for digital assets (BAPPEBTI’s role in crypto exchanges) Recent government initiatives, including the launch of the National Digital Asset Exchange Challenges in regulatory clarity and compliance

8. Public and Private Blockchain Companies in Indonesia Public Blockchain Initiatives: Tokocrypto (Binance-backed crypto exchange and blockchain projects) Indodax (Indonesia’s leading crypto trading platform) Nusa Finance (DeFi platform supporting various blockchain integrations) Private Blockchain Enterprises: HARA (blockchain-based agriculture and supply chain solutions) Vexanium (Indonesia’s first public blockchain for smart contracts) DANA and OVO’s blockchain-based digital payment developments Banking and Finance Integration: Bank Indonesia’s exploration of Central Bank Digital Currency (CBDC) – Digital Rupiah Collaboration between banks and blockchain startups for digital asset innovation

9. Tokenization of Real-World Assets (RWA) in Indonesia Concept of RWA and its significance in Indonesia Tokenization of land and real estate (e.g., collaborations with agritech firms) Commodities tokenization (e.g., palm oil, coffee, gold-backed tokens) Art and intellectual property tokenization Major RWA Tokenization Projects: PITX ( Pluang’s initiative for tokenized investment assets) TokoMall (NFT and asset tokenization marketplace by Tokocrypto ) NFT-based land ownership projects in Bali Challenges and Opportunities in RWA Adoption Legal and regulatory barriers Institutional acceptance and investor awareness Cross-border transactions and global collaboration

10. Future Trends and Opportunities Growth of Web3 startups in Indonesia Potential role of blockchain in Indonesia’s smart city initiatives (e.g., IKN Nusantara) Interoperability and integration with ASEAN digital economy policies Sustainability and blockchain’s role in ESG (carbon credits, green finance)

11. Real-World Asset (RWA) Tokenization in Blockchain Real-world asset (RWA) tokenization refers to the process of representing physical and traditional financial assets as digital tokens on a blockchain. This innovation enables fractional ownership, enhances liquidity, and improves transparency in asset management. RWAs can include real estate, commodities, equities, bonds, luxury goods, and even intellectual property. How RWA Tokenization Works Asset Selection & Valuation – A real-world asset is identified, verified, and appraised for its value. Token Creation – The asset is tokenized by creating a digital representation on a blockchain. Each token corresponds to a portion of ownership or rights to the asset. Smart Contracts & Compliance – Smart contracts ensure automated transactions, enforce legal agreements, and integrate with regulatory frameworks. Trading & Liquidity – Tokenized assets can be traded on blockchain marketplaces, increasing accessibility to investors worldwide.

12. Key Benefits of RWA Tokenization Fractional Ownership – Investors can own a fraction of high-value assets, reducing entry barriers. Enhanced Liquidity – Assets that are typically illiquid, such as real estate or fine art, become tradable on secondary markets. Transparency & Security – Blockchain ensures immutable records, preventing fraud and improving trust. Efficiency & Cost Reduction – Eliminates intermediaries in asset transfers, reducing transaction costs and time. Challenges in RWA Tokenization Regulatory Uncertainty – Varying global regulations create legal complexities. Adoption & Integration – Traditional financial institutions need to integrate blockchain with existing systems. Market Volatility & Security – Digital assets are subject to cybersecurity risks and price fluctuations. With increasing adoption, RWA tokenization is transforming finance, real estate, and commodities, offering new investment opportunities and reshaping global asset ownership.

13. VII. Conclusion Recap : Summarize key developments in blockchain technology from 2022 to 2025, emphasizing the shift towards real-world applications and institutional collaboration. Implications : the potential of blockchain to revolutionize various industries by enhancing transparency, efficiency, and inclusivity. Call to Action : Continued exploration and responsible adoption of blockchain solutions to address contemporary challenges in global markets.

14. Notes: Recent Developments in Blockchain Technology (2022-2025) Introduction Blockchain technology has evolved significantly in the last three years, moving beyond its cryptocurrency roots to find applications in various industries. From financial services to real-world asset tokenization, blockchain is shaping the digital economy. This essay explores recent developments in blockchain technology, focusing on public and private blockchain enterprises, technological advancements, and the tokenization of real-world assets (RWA). Technological Advancements in Blockchain Integration with Artificial Intelligence (AI) One of the most notable trends in blockchain development is its integration with AI. AI enhances blockchain applications by improving data analysis, optimizing consensus mechanisms, and increasing security. Machine learning models can analyze blockchain data to detect fraudulent transactions, while smart contracts powered by AI can automate decision-making processes more effectively. Enhanced Security Protocols Security has always been a concern in blockchain, especially in decentralized finance (DeFi) and enterprise applications. Over the past three years, new encryption methods and consensus mechanisms have been introduced to improve security. Zero-knowledge proofs (ZKPs) and homomorphic encryption are being used to protect sensitive data while maintaining transparency. Additionally, developments in leaderless consensus protocols, such as Redbelly Network’s approach, offer more secure and resilient networks. Scalability Solutions Scalability remains a major challenge in blockchain adoption. The emergence of Layer-2 solutions such as rollups, sidechains, and sharding has significantly improved transaction throughput and reduced gas fees. Ethereum’s transition to Ethereum 2.0, incorporating proof-of-stake ( PoS ) and sharding, has improved its scalability and energy efficiency. Other blockchain networks, such as Solana and Avalanche, have also introduced innovative solutions to enhance performance. Public and Private Blockchain Companies Leading Innovation Redbelly Network Redbelly Network originated from research at the University of Sydney and CSIRO's Data61, becoming commercialized in 2021. It focuses on compliant on-chain tokenization of RWAs and uses a leaderless consensus mechanism for enhanced security. The network aims to provide scalable, secure, and low-energy-consuming blockchain solutions, making it attractive for enterprise applications. Paxos Trust Company Paxos is a major player in blockchain-based financial services. It offers a variety of crypto brokerage services, stablecoins (e.g., Pax Dollar), and tokenized gold (PAX Gold). In recent years, Paxos has expanded into securities settlement, gaining SEC approval to use blockchain for more efficient financial transactions. MANTRA MANTRA has been actively involved in asset tokenization, particularly in the Middle East. In 2025, it partnered with Dubai’s DAMAC Group to tokenize over $1 billion in assets, enhancing investment accessibility and liquidity. This move signals the increasing institutional interest in blockchain-based real estate and investment solutions. Ondo Finance Ondo Finance has made significant strides in tokenizing traditional financial instruments. It has introduced tokenized U.S. Treasuries (OUSG) and developed Flux Finance, a lending protocol that uses tokenized Treasuries as collateral. In a major milestone, Ondo Finance recently transferred $95 million in assets to BlackRock’s tokenized fund BUIDL, demonstrating the growing intersection between blockchain and traditional finance. Tokenization of Real-World Assets (RWAs) Concept and Benefits Tokenization involves converting real-world assets into digital tokens on a blockchain, improving liquidity, transparency, and accessibility. This approach allows fractional ownership, making high-value assets such as real estate and fine art more accessible to a broader range of investors. Notable Projects in RWA Tokenization Dianelum’s Tokenized Issuance Dianelum launched Spain’s first tokenized issuance in February 2025, offering €5 million in digital securities backed by sustainable diamond manufacturing. This initiative highlights how blockchain can be used to finance sustainable projects while providing investors with innovative investment opportunities. State Street’s Tokenized Bonds State Street is exploring the tokenization of bonds and money market funds, leveraging blockchain technology to improve efficiency and risk management. These initiatives demonstrate the increasing involvement of traditional financial institutions in blockchain-based asset management. Challenges in RWA Tokenization While the potential benefits of RWA tokenization are significant, several challenges remain: Regulatory Compliance : Different jurisdictions have varying legal frameworks for digital assets, creating hurdles for global adoption. Technological Integration : Ensuring interoperability between blockchain platforms and traditional financial systems is essential for seamless integration. Investor Education : Many traditional investors remain skeptical about tokenized assets, requiring education and awareness campaigns. Case Studies RealT’s Detroit Properties RealT’s fractional ownership model for rental properties faced operational challenges, including maintenance neglect and financial mismanagement. These issues highlight the importance of strong governance and regulatory oversight in tokenized real estate projects. UK’s Focus on Tokenization As the U.S. administration focuses on cryptocurrency, the UK is positioning itself as a leader in asset tokenization. The country’s regulatory support for blockchain innovation is attracting global investments, reinforcing its role in shaping the future of tokenized finance. Future Outlook Institutional Adoption Traditional financial institutions are increasingly adopting blockchain technology for asset tokenization, securities settlement, and supply chain management. Major banks and investment firms are exploring blockchain-based financial instruments, demonstrating the technology’s growing credibility. Regulatory Developments Regulatory clarity will be crucial for the continued growth of blockchain applications. Governments and financial authorities are working to establish guidelines that balance innovation with consumer protection. The European Union’s Markets in Crypto-Assets ( MiCA ) regulation is an example of efforts to create a comprehensive legal framework for digital assets. Technological Innovations Blockchain will continue evolving with advancements in AI integration, improved scalability solutions, and enhanced security protocols. Innovations such as quantum-resistant cryptography and decentralized identity solutions will further strengthen blockchain applications. Conclusion The past three years have seen significant advancements in blockchain technology, particularly in security, scalability, and institutional adoption. Public and private blockchain enterprises have played a key role in driving innovation, while RWA tokenization is transforming asset management. As regulatory frameworks mature and technological improvements continue, blockchain’s role in the global economy will only expand. Encouraging responsible adoption and continued research will be essential in maximizing blockchain’s potential while addressing existing challenges. Q&A Session To conclude, an interactive Q&A session would provide an opportunity to discuss specific aspects of blockchain technology in greater depth, addressing audience queries and fostering engagement in this rapidly evolving field. then