| • DeFi Farming Risks: APRs fluctuate wildly; smart-contract exploits can wipe out balances in minutes. | • RWA-Backed Yields: Equipment loans (6–9 % APY), real estate (4–7 % APY), stablecoin lending (4–5 % APY), private equity (variable with governance)—all underpinned by collateral and real-world contracts. |
| • Off-Chain Fiat On-Ramps: Taxable events occur when selling crypto to buy RWAs; multi-day settlement windows and repeated KYC. | • Zero Fiat Leg: Instantly swap any of 50+ supported cryptocurrencies into RWA tokens on LQDTY; complete KYC/KYB once on-chain, then transact seamlessly thereafter. Remote APRs stream in stablecoins (USDC/USDT). |
| • Fragmented Marketplaces: Separate exchanges for crypto, real estate token platforms, and debt marketplaces—each with distinct UIs, fees, and settlement timelines. | • Integrated 24/7 Order Book: Place limit or market orders for any asset token on LQDTY—equipment, real estate, private equity—settlements finalize in T+1 on-chain. No intermediaries; all bids and asks visible in real time. |
Transparency & Auditability | • Opaque Data Silos: RWA platforms rely on off-chain custodians and spreadsheets for collateral verification—delays and trust issues persist. | • On-Chain Collateral & Covenant Checks: Each token embeds metadata on collateral audits, borrower payment schedules, and SPV agreements—immutable and publicly verifiable. Real-time analytics and on-chain alerts for covenant breaches. |
| • Centralized Governance: DeFi platforms might centralize decisions or have limited voting power for small holders; no alignment with RWA stakeholders. | • Decentralized LQDTY Governance: Holders propose and vote on new asset categories, fee-burn adjustments, and bridge integrations. Stake LQDTY for 6–8 % APR and earn fee rebates (50 bps) on every trade. |