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Interview with U-Chyung Lim, Chief Business Officer of Lumia, on Combining RWAs with DeFi
We are thrilled to present an insightful conversation with U-Chyung, Chief Business Officer of Lumia, a trailblazer in bridging real-world assets (RWAs) with decentralized finance (DeFi). In this interview, U-Chyung delves into Lumia’s mission to transform asset ownership by making high-value investments from institutional real estate to private equity liquid, accessible, and compliant through blockchain innovation.
Introduction of the Speaker and Lumia
Hello everyone! I’m U-Chyung, the Chief Business Officer of Lumia, and I’m excited to be here today.
Lumia is a full-cycle RWA blockchain infrastructure enabling seamless tokenization, liquidity provision, and integration of real-world assets into DeFi. Unlike exchanges that simply list projects, Lumia provides the infrastructure for tokenized assets to be created, traded, and utilized. Our liquidity protocol, Lumia Stream, ensures that tokenized RWAs can move efficiently across major DeFi platforms like Uniswap, PancakeSwap, and 1inch.
Lumia’s mission is to make real-world asset ownership as seamless and liquid as crypto trading, bridging the gap between traditional finance and blockchain innovation.
As the Chief Business Officer, how do you see the key elements for succeeding in the RWA market nowadays?
The RWA market is evolving rapidly, and projects that succeed will be those that go beyond just tokenizing assets they must solve for liquidity, compliance, and accessibility.
Three critical success factors:
Access to Previously Unreachable Assets
Blockchain enables fractional ownership of assets that were once only accessible to institutions including fine art, private equity, and institutional-grade real estate. Institutional-grade real estate refers to high-value properties that generate stable income and long-term appreciation, such as commercial office buildings, luxury residential developments, and logistics hubs owned by investment funds.Regulatory Compliance and Market Maturity
Regulatory frameworks are developing quickly, with some regions being more advanced than others.Europe leads with the DLT Pilot Regime, allowing tokenized securities to be issued and traded in a regulated manner.Singapore has established a sandbox environment under Project Guardian, encouraging tokenized bonds and funds.The U.S. is still fragmented, with different regulators (SEC, CFTC) defining how RWAs fit within securities laws.Middle Eastern countries like UAE and Bahrain are becoming global RWA hubs, actively promoting tokenization-friendly policies.
Projects that align with these regulations will gain institutional credibility and investor trust.
Liquidity and Distribution
Tokenizing assets is not enough these assets must have liquid markets and a clear distribution strategy.Lumia Stream ensures tokenized RWAs are deeply integrated into DeFi liquidity pools, allowing them to be actively traded.Cross-chain expansion is key many institutions are deploying RWA assets across multiple blockchains (Ethereum, Polygon, Avalanche) to maximize accessibility.
What are the key use cases in RWA that the Lumia ecosystem supports?
Lumia provides a full-stack infrastructure for real-world asset tokenization, covering asset issuance, liquidity provision, and institutional DeFi integration.
Key RWA Use Cases Powered by Lumia:
Tokenized Real Estate & Stablecoins (rwaUSD)
Users can invest in real estate-backed digital assets, earning stable, inflation-resistant yield while benefiting from tokenized liquidity. rwaUSD, backed by tokenized real estate, provides a stable alternative to traditional stablecoins, creating a bridge between real estate markets and DeFi.Deep Liquidity for Tokenized Assets
One of the biggest challenges in RWA is ensuring liquidity for tokenized assets. Lumia Stream enables deep liquidity for RWAs by integrating them into leading DeFi venues like 1inch and Uniswap, making them tradeable and usable in lending, borrowing, and yield farming.Bridging Institutional and Retail Investment
Institutions can tokenize and trade private equity, debt, and real estate while retail investors can own fractionalized assets that were previously inaccessible.
How does Lumia support projects in its ecosystem?
Lumia is a tokenization infrastructure that allows projects to issue RWAs, access deep liquidity, and integrate seamlessly with DeFi.
✅ How Lumia Supports RWA Projects:
Business Development & Marketing Support
Lumia actively connects projects with investors, liquidity providers, and DeFi platforms, ensuring tokenized assets have real market demand.Launch Strategy
Many blockchain ecosystems offer grants, but Lumia focuses on helping projects design sustainable token models that support long-term growth, institutional adoption, and liquidity incentives.Technical & Infrastructure Guidance
Lumia provides seamless access to liquidity, compliance solutions, and smart contract infrastructure to help projects scale.B2B Matchmaking: Connecting Projects to Real Partners
Unlike other blockchains that expect projects to find their own market fit, Lumia actively connects tokenized projects with liquidity providers, investors, and business partnerships.Example: A tokenized real estate project can integrate with a lending platform or DeFi protocol, increasing its usability and exposure.This ensures that every RWA token launched on Lumia has built-in liquidity and real-world integrations.
What are the major innovations in RWA right now? Is AI playing a role in these developments?
The RWA industry is rapidly expanding, with several major trends emerging:
✅ Key RWA Trends Beyond AI:
New Asset Types Being Tokenized – Moving beyond real estate and treasuries to include mining rights (Initial Mine Offerings), intellectual property, and sovereign debt.Tokenized Private Credit & Corporate Debt: Companies are issuing on-chain corporate bonds, reducing reliance on traditional banking.Government-backed tokenization: Countries are tokenizing public debt and infrastructure projects to improve capital efficiency.Stablecoin Alternatives: Yield-bearing RWA-backed stablecoins are gaining traction, such as BlackRock’s tokenized T-bill fund (BUIDL).Multi-Chain Expansion: RWA tokens are increasingly interoperable across Ethereum, Polygon, and alternative L2s.
✅ How AI Fits In:
AI-Powered Wealth Management: AI will help automate asset allocation, risk management, and yield strategies for RWA investors.Automated Liquidity Matching: AI-driven systems will connect institutional and DeFi capital more efficiently.
Can you share some success stories of projects in the Lumia ecosystem?
Lumia is actively supporting projects that bridge RWAs, AI, and DeFi, making tokenized assets more accessible, liquid, and seamlessly integrated with Web3. Some of the standout projects within our ecosystem include Morphex and Hyperlaunch.
✅ Morphex – Lumia’s Flagship Exchange for RWAs
Morphex is revolutionizing on-chain RWA trading, making it easier for users to access deep liquidity, fair pricing, and cross-chain interoperability.
Direct, Trading: Users can trade tokenized RWAs and crypto assets without intermediaries, ensuring full control.rwaUSD Liquidity Pools: Investors can trade a real estate-backed stablecoin with deep DeFi integration, offering a stable alternative to traditional stablecoins.AI-Driven Execution: Morphex leverages AI-powered pricing models to execute trades at optimal rates.
✅ Hyperlaunch – The Premier Launchpad for the Lumia Ecosystem
Hyperlaunch is the ultimate gateway for Web3 innovation, providing a secure, fair, and efficient launchpad for both crypto projects and investors.
Post-Allocation Funding Model: Projects secure funding while ensuring balanced benefits for both investors and builders.Fair & Transparent Allocations: Designed to level the playing field, ensuring all participants have access to investment opportunities.
Are there any upcoming launches or milestones?
Yes! One of the most exciting upcoming projects in the Lumia ecosystem is Lumia Towers a fully tokenized $220M real estate project in Istanbul.
✅ Lumia Towers – The First Tokenized Web3 Property in Turkey
Fractional ownership enables users to invest in real estate-backed tokens, unlocking high-value properties for retail investors.The project is a real-world demonstration of RWA tokenization, allowing property ownership to be tradable, liquid, and accessible on-chain.
Where do you see the RWA market in 3–5 years?
The RWA market is evolving rapidly, and within the next 3–5 years, we will see mass adoption and financial industry transformation.
✅ Predictions for 2028:
Tokenized Assets Will Be as Common as ETFs: RWAs will be seamlessly integrated into traditional financial platforms, with banks, funds, and even governments actively using tokenized bonds, real estate, and commodities.Regulatory Clarity & Standardization: Governments will establish unified legal frameworks for tokenization, eliminating cross-border friction.AI-Driven Asset Management: Investing will become increasingly automated, with AI managing tokenized portfolios, optimizing yield strategies, and rebalancing assets in real-time.Global Tokenized Debt Markets: Countries and corporations will shift billions in debt markets to tokenized bonds, disrupting the $128T global bond industry.
#Lumia #RWA #defi #LumiaTowers $LUMIA #RealWorldAssets
Introduction of the Speaker and Lumia
Hello everyone! I’m U-Chyung, the Chief Business Officer of Lumia, and I’m excited to be here today.
Lumia is a full-cycle RWA blockchain infrastructure enabling seamless tokenization, liquidity provision, and integration of real-world assets into DeFi. Unlike exchanges that simply list projects, Lumia provides the infrastructure for tokenized assets to be created, traded, and utilized. Our liquidity protocol, Lumia Stream, ensures that tokenized RWAs can move efficiently across major DeFi platforms like Uniswap, PancakeSwap, and 1inch.
Lumia’s mission is to make real-world asset ownership as seamless and liquid as crypto trading, bridging the gap between traditional finance and blockchain innovation.
As the Chief Business Officer, how do you see the key elements for succeeding in the RWA market nowadays?
The RWA market is evolving rapidly, and projects that succeed will be those that go beyond just tokenizing assets they must solve for liquidity, compliance, and accessibility.
Three critical success factors:
Access to Previously Unreachable Assets
Blockchain enables fractional ownership of assets that were once only accessible to institutions including fine art, private equity, and institutional-grade real estate. Institutional-grade real estate refers to high-value properties that generate stable income and long-term appreciation, such as commercial office buildings, luxury residential developments, and logistics hubs owned by investment funds.Regulatory Compliance and Market Maturity
Regulatory frameworks are developing quickly, with some regions being more advanced than others.Europe leads with the DLT Pilot Regime, allowing tokenized securities to be issued and traded in a regulated manner.Singapore has established a sandbox environment under Project Guardian, encouraging tokenized bonds and funds.The U.S. is still fragmented, with different regulators (SEC, CFTC) defining how RWAs fit within securities laws.Middle Eastern countries like UAE and Bahrain are becoming global RWA hubs, actively promoting tokenization-friendly policies.
Projects that align with these regulations will gain institutional credibility and investor trust.
Liquidity and Distribution
Tokenizing assets is not enough these assets must have liquid markets and a clear distribution strategy.Lumia Stream ensures tokenized RWAs are deeply integrated into DeFi liquidity pools, allowing them to be actively traded.Cross-chain expansion is key many institutions are deploying RWA assets across multiple blockchains (Ethereum, Polygon, Avalanche) to maximize accessibility.
What are the key use cases in RWA that the Lumia ecosystem supports?
Lumia provides a full-stack infrastructure for real-world asset tokenization, covering asset issuance, liquidity provision, and institutional DeFi integration.
Key RWA Use Cases Powered by Lumia:
Tokenized Real Estate & Stablecoins (rwaUSD)
Users can invest in real estate-backed digital assets, earning stable, inflation-resistant yield while benefiting from tokenized liquidity. rwaUSD, backed by tokenized real estate, provides a stable alternative to traditional stablecoins, creating a bridge between real estate markets and DeFi.Deep Liquidity for Tokenized Assets
One of the biggest challenges in RWA is ensuring liquidity for tokenized assets. Lumia Stream enables deep liquidity for RWAs by integrating them into leading DeFi venues like 1inch and Uniswap, making them tradeable and usable in lending, borrowing, and yield farming.Bridging Institutional and Retail Investment
Institutions can tokenize and trade private equity, debt, and real estate while retail investors can own fractionalized assets that were previously inaccessible.
How does Lumia support projects in its ecosystem?
Lumia is a tokenization infrastructure that allows projects to issue RWAs, access deep liquidity, and integrate seamlessly with DeFi.
✅ How Lumia Supports RWA Projects:
Business Development & Marketing Support
Lumia actively connects projects with investors, liquidity providers, and DeFi platforms, ensuring tokenized assets have real market demand.Launch Strategy
Many blockchain ecosystems offer grants, but Lumia focuses on helping projects design sustainable token models that support long-term growth, institutional adoption, and liquidity incentives.Technical & Infrastructure Guidance
Lumia provides seamless access to liquidity, compliance solutions, and smart contract infrastructure to help projects scale.B2B Matchmaking: Connecting Projects to Real Partners
Unlike other blockchains that expect projects to find their own market fit, Lumia actively connects tokenized projects with liquidity providers, investors, and business partnerships.Example: A tokenized real estate project can integrate with a lending platform or DeFi protocol, increasing its usability and exposure.This ensures that every RWA token launched on Lumia has built-in liquidity and real-world integrations.
What are the major innovations in RWA right now? Is AI playing a role in these developments?
The RWA industry is rapidly expanding, with several major trends emerging:
✅ Key RWA Trends Beyond AI:
New Asset Types Being Tokenized – Moving beyond real estate and treasuries to include mining rights (Initial Mine Offerings), intellectual property, and sovereign debt.Tokenized Private Credit & Corporate Debt: Companies are issuing on-chain corporate bonds, reducing reliance on traditional banking.Government-backed tokenization: Countries are tokenizing public debt and infrastructure projects to improve capital efficiency.Stablecoin Alternatives: Yield-bearing RWA-backed stablecoins are gaining traction, such as BlackRock’s tokenized T-bill fund (BUIDL).Multi-Chain Expansion: RWA tokens are increasingly interoperable across Ethereum, Polygon, and alternative L2s.
✅ How AI Fits In:
AI-Powered Wealth Management: AI will help automate asset allocation, risk management, and yield strategies for RWA investors.Automated Liquidity Matching: AI-driven systems will connect institutional and DeFi capital more efficiently.
Can you share some success stories of projects in the Lumia ecosystem?
Lumia is actively supporting projects that bridge RWAs, AI, and DeFi, making tokenized assets more accessible, liquid, and seamlessly integrated with Web3. Some of the standout projects within our ecosystem include Morphex and Hyperlaunch.
✅ Morphex – Lumia’s Flagship Exchange for RWAs
Morphex is revolutionizing on-chain RWA trading, making it easier for users to access deep liquidity, fair pricing, and cross-chain interoperability.
Direct, Trading: Users can trade tokenized RWAs and crypto assets without intermediaries, ensuring full control.rwaUSD Liquidity Pools: Investors can trade a real estate-backed stablecoin with deep DeFi integration, offering a stable alternative to traditional stablecoins.AI-Driven Execution: Morphex leverages AI-powered pricing models to execute trades at optimal rates.
✅ Hyperlaunch – The Premier Launchpad for the Lumia Ecosystem
Hyperlaunch is the ultimate gateway for Web3 innovation, providing a secure, fair, and efficient launchpad for both crypto projects and investors.
Post-Allocation Funding Model: Projects secure funding while ensuring balanced benefits for both investors and builders.Fair & Transparent Allocations: Designed to level the playing field, ensuring all participants have access to investment opportunities.
Are there any upcoming launches or milestones?
Yes! One of the most exciting upcoming projects in the Lumia ecosystem is Lumia Towers a fully tokenized $220M real estate project in Istanbul.
✅ Lumia Towers – The First Tokenized Web3 Property in Turkey
Fractional ownership enables users to invest in real estate-backed tokens, unlocking high-value properties for retail investors.The project is a real-world demonstration of RWA tokenization, allowing property ownership to be tradable, liquid, and accessible on-chain.
Where do you see the RWA market in 3–5 years?
The RWA market is evolving rapidly, and within the next 3–5 years, we will see mass adoption and financial industry transformation.
✅ Predictions for 2028:
Tokenized Assets Will Be as Common as ETFs: RWAs will be seamlessly integrated into traditional financial platforms, with banks, funds, and even governments actively using tokenized bonds, real estate, and commodities.Regulatory Clarity & Standardization: Governments will establish unified legal frameworks for tokenization, eliminating cross-border friction.AI-Driven Asset Management: Investing will become increasingly automated, with AI managing tokenized portfolios, optimizing yield strategies, and rebalancing assets in real-time.Global Tokenized Debt Markets: Countries and corporations will shift billions in debt markets to tokenized bonds, disrupting the $128T global bond industry.
#Lumia #RWA #defi #LumiaTowers $LUMIA #RealWorldAssets
Disclaimer: Includes third-party opinions. No financial advice. May include sponsored content. See T&Cs.
