Are You Anxious About High House 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 suffocated by the NTD 6 million down payment? Every time you see house prices skyrocketing, do you feel powerless? Real World Asset Tokenization (RWA) allows you to invest in real estate, gold, become a “small landlord,” earn rental income, or enjoy asset appreciation with little money, quickly saving up for your first home down payment!
Today, governments worldwide are actively promoting the RWA revolution. We are on the eve of a blockchain financial storm. Beneath the calm surface, there is a hidden surge!
– Dubai will tokenize luxury homes in 2024, with investors earning 8% rental income for AED 500 (NTD 4,300);
– Singapore’s Project Guardian promotes gold tokenization;
– US BlackRock’s BUIDL Fund (assets USD 657 million by 2025) tokenizes government bonds with a 5% yield.
RWA allows you to catch up with the wealth train with little money. So what magic is RWA exactly?
The Past and Present of RWA: Blockchain Innovation in Traditional Finance
RWA (Real World Asset) tokenizes physical assets such as real estate, gold, bonds, into tokens on the blockchain.
For example, a NTD 20 million apartment can be divided into 400,000 “blockchain bricks,” with each share costing only NTD 50. Investors can participate with small amounts of capital, enjoying rental income or appreciation without buying the entire property. RWA breaks the limits of traditional finance through blockchain technology, making wealth accumulation more accessible.
Disadvantages of traditional finance:
High threshold: According to the Ministry of the Interior’s 2024 data, the average price of a Taipei apartment is NTD 20 million, requiring a 30% down payment (NTD 6 million), which is difficult for ordinary young people to afford.
Low liquidity: Real estate transactions take months; stock trading is limited to the Taiwan Stock Exchange’s trading hours of 9:00-13:30 on weekdays (no trading after 14:00, according to TWSE regulations by 2025); bond lock-in periods are usually 3-10 years, although there are short-term bonds (such as 1-2 year corporate bonds), market liquidity is low, and selling early may result in a discount.
High costs: Real estate agency fees are about 2-3% (around NTD 40-60,000 for a NTD 20 million transaction), high management costs; stock trading fees are 0.1425% (around NTD 20 for a NTD 1000 transaction); bond fund management fees are 0.5%-1% per year (around NTD 250-500 for a NTD 50,000 investment).
Complexity and lack of transparency: Real estate transactions involve intermediaries, lawyers, and undisclosed valuations; limited information in the bond market, high investment thresholds.
How RWA solves pain points:
Low threshold: Allows investment in luxury homes or gold with small funds, enabling young people to participate in the global asset market.
High liquidity: Blockchain supports 24/7 trading, allowing for flexible buying and selling of assets.
Low costs: RWA transaction fees are approximately 0.08%-0.1% (around NTD 40-50 for a NTD 50,000 transaction), management fees of 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 valuations are updated every six months by professional institutions (such as SGS Taiwan), blockchain records are tamper-proof, smart contracts automatically distribute profits, eliminating intermediary fees.
Global participation: Investing in Dubai luxury homes, US government bonds, breaking geographical restrictions.
How to start investing with RWA? Keep reading below!
How Does RWA Work?
RWA tokenizes assets such as luxury homes, gold, etc., into “blockchain bricks” on the blockchain, allowing you to easily 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) are responsible for selecting and establishing RWA projects. High-value assets are chosen, such as Taipei luxury homes or physical gold, with valuations done every six months by professional institutions (such as SGS Taiwan) to ensure authenticity.
Tokenization and splitting: Assets are divided into small token shares, for example, a NTD 20 million apartment split into 400,000 shares, 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, disclose asset details publicly, safeguarding investor rights.
Price updates: Oracles (such as Chainlink) provide real-time data on house prices, gold prices, etc., to the blockchain, ensuring accurate prices and reducing fraud risks.
Convenient trading: Trade 24/7 on compliant platforms (such as OKX), buy and sell anytime, no lock-in period, flexible capital flow.
RWA allows you to invest in real estate with small 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 unveil!
Investment Options for Taiwanese Beginners: International Compliant RWA Projects
This article does not constitute investment advice. Please consult a professional financial advisor and assess the risks on your own.
Below are three international RWA projects selected on June 5, 2025, meeting international regulations (SEC, MAS) and Taiwan laws (FSC “Virtual Asset Service Providers Management Guidelines” 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 (annual individual forex remittance limit of USD 5 million).
PAXG Digital Gold
Like putting gold in a digital wallet, buy and sell anytime!
What it is: PAXG issued by Paxos, each token 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 rules). 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 trading available.
Investment highlights:
Regulation: Paxos regulated by the New York State Department of Financial Services (NYDFS), compliant with Taiwan FSC AML/KYC requirements (according to the 2023 “Virtual Asset Guidelines”).
Minimum transaction amount: OKX and MAX Exchange minimum transaction amount USD 10 (NTD 320); Paxos website minimum purchase of 0.03 PAXG (around USD 75, NTD 2,400, based on the June 2025 gold price of USD 2,500/ounce).
Fees:
OKX trading fees of 0.08%-0.1% (around NTD 0.3-0.4 for a NTD 320 transaction); MAX fees 0.1% (around NTD 0.3 for a NTD 320 transaction).
PAXG management fee (storage fee) of 0.4% per year (around NTD 1.3 for a NTD 320 investment).
Transfer fees (blockchain gas fees): 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). Complete KYC, complying with FSC “Virtual Asset Guidelines” and Anti-Money Laundering Act.
Platforms:
OKX: Supports PAXG/USDT trading pair, Taiwan users can register, legal to recharge in TWD (bank transfer).
MAX Exchange: Local VASP in Taiwan (FSC registered), supports PAXG, KYC requires ID and passport, legal and compliant.
Taxation: Income is capital gains, subject to Taiwan income tax (up to 40%), platforms provide trading reports.
Risks: Gold price volatility (10% swing in 2024), suggest tracking on CoinGecko.
Suitable for: You seeking stability and inflation resistance!
Centrifuge
Like lending money to small businesses, earn stable interest!
What it is: Centrifuge Tinlake platform tokenizes small business loans and invoice financing, supporting enterprises 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 regulations). KYC requires passport, address proof, and tax information, takes about 15-30 minutes. Quarterly dividends.
Earnings: Annual returns of 5-7% (depending on asset pool).
Investment highlights:
Regulation: Regulated by the EU MiCA and some SEC (depending on the asset pool), compliant with Taiwan FSC AML/KYC requirements.
Minimum transaction amount: Tinlake asset pool minimum investment of USD 5,000 (NTD 160,000), set by the pool issuer (according to Centrifuge website and Tinlake documents). OKX’s CFG token trading minimum around USD 1 (NTD 32), but not equivalent to asset pool investment.
Fees:
OKX fee of 0.1% (around NTD 160 for a NTD 160,000 transaction); Tinlake management fee of 0.5%-2% per year (NTD 800-3,200 for NTD 160,000, varies by asset pool).
Tinlake management fee (asset management and dividend costs) around 0.5%-2% per year (NTD 800-3,200 for NTD 160,000 investment, depending on asset pool).
Gas fees: 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-US residents do not need to prove accredited investor status). No geographical restrictions for Taiwan (confirmed by Centrifuge website and 2024 X post), but need to submit a W-8BEN form (non-US resident tax declaration). Complies with FSC “Virtual Asset Guidelines” and Anti-Money Laundering Act.
Platforms:
MetaMask: Direct investment in Tinlake pools, no restrictions for Taiwan users, familiarity with digital wallets required, KYC compliant.
OKX: Supports CFG tokens and some Tinlake asset pools, Taiwan users can register, legal to recharge in TWD, compliant with FSC regulations.
Taxation: Income subject to Taiwan income tax (up to 40%), Tinlake provides reports, may need accounting assistance for bookkeeping.
Risks: Default risk of enterprises (average 1.5% in 2024), diversification recommended.
Suitable for: You looking for a bit of risk and higher returns!
RealT Real Estate
Like owning a piece of a US house, earn daily rent!
What it is: RealT tokenizes US 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 the property).
Fees:
RealT transaction fees of 0.1%-2% (depends on the trading platform, around NTD 1.6-16 for a NTD 1,600 transaction).
Management fees (property maintenance and rent distribution): 0.5%-2% per year (around NTD 6-16 for a NTD 1,600 investment).
Gas fees: 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). Complete KYC (complies with SEC Regulation D and FSC “Virtual Asset Guidelines”), non-US residents do not need to prove accredited investor status. Complies with the Anti-Money Laundering Act.
Platforms:
RealT: Website supports USDC purchase, no restrictions for Taiwan users, requires MetaMask, KYC compliant.
OKX: Supports some RealT tokens, legal to recharge in TWD, compliant with FSC supervision.
Taxation: Rental income considered foreign income, subject to Taiwan income tax (up to 40%), RealT provides reports.
Risks: US property market fluctuations (5% rent fluctuation in 2024), currency exchange impact (5% fluctuation in 2024).
Suitable for: You dreaming of being a landlord, saving for a down payment!
Are you ready to start your wealth journey with these projects?
Conclusion: Rewrite Your Wealth Story with RWA
Feeling desperate about high house prices? RWA allows you to step into real estate with small funds, earn rental income, save for a down payment, getting closer to your dream home! Imagine waking up every day with an additional income in your wallet, turning financial pressure into the driving force to achieve your dreams. RWA allows you to seize the $30 trillion market with little money, without being blocked by high thresholds. A journey of a thousand miles begins with a single step! Start learning to earn today!