This chart helps explain why we've been so focused on asset-backed finance, specialty finance, and fintech lending. These categories have reached meaningful scale faster than many more familiar RWAs, not despite the complexity of the underlying markets, but partly because of it. Much of private credit and specialty finance does not operate on highly standardized infra. Assets are fragmented across originators, servicing systems, custodians, lenders, and financing vehicles. Data can be difficult to verify, ownership records are often siloed, and transactions still depend heavily on manual reconciliation and bespoke processes. That creates a particularly strong case for blockchain. The opportunity is to improve the full lifecycle of credit: Origination → verification → funding → distribution → collateralization → servicing → repayment This is becoming increasingly important as credit itself moves faster. Short-duration receivables, embedded lending, BNPL, merchant cash advances, payroll-linked products, and other forms of fintech credit are being originated at greater speed and in larger volumes. But the infra supporting these products has not kept pace. Avalanche is working to help close that gap by providing a shared, programmable system for tracking assets, coordinating participants, moving capital, and automating payments and servicing. And the opportunity goes beyond making existing markets more efficient. Better infra can enable entirely new financing models, distribution channels, and credit products that would be difficult to support using today’s fragmented systems. That is exactly why the category is so compelling for the @avax ecosystem.

Avalanche Ecosystem Call 🔺 @JohnNahas84, @MorganKrupetsky, @__arielle__, @frostLedger and more will recap the recent big milestones, share ecosystem & network updates, and preview what’s next for Avalanche. Live on X Tomorrow | 12PM ET

Why is Avalanche Summit in New York? The capital. The institutions. The regulators. The builders turning ideas into real products. New York is home to many shaping the industry, and a meeting point for builders everywhere. You should be there, too: Avalanche Summit brings us all together for two focused days of big ideas, connections, and opportunities that move the industry forward. September 16–17 Chelsea Industrial, NYC

Aave V4 is now live on Avalanche, the first deployment beyond Ethereum. This is an important infra milestone for the @avax ecosystem and a major step toward the launch of dedicated RWA credit markets. Avalanche brings to bear a robust DeFi ecosystem and native integrations, as well as a rapidly growing base of tokenized RWAs. @aave V4 brings those two worlds closer together. Its flexible architecture creates the foundation for dedicated markets designed around specific asset classes, participants, and risk profiles, while still benefiting from Aave’s broader liquidity network. That means tokenized assets can move beyond issuance and distribution toward real financial utility: borrowing, liquidity, collateralization, and capital efficiency. V4 on Avalanche helps make that possible and sets the stage for the RWA Hubs to come. Stay tuned 👀

BREAKING: Aave V4 is live on Avalanche @Aave’s first V4 deployment beyond Ethereum mainnet sets the stage for new credit markets on Avalanche, including those for tokenized assets. V4 enables specialized lending hubs with tailored risk controls & deep shared liquidity.

Fintechs across Latin America, Africa, Turkey, APAC are now offering real yield on stablecoin balances directly in their apps, w/o friction or lockups, via @opentrade_io on @avax... > Ontop users (contractors across 150+ countries) may deposit their USD paychecks and earn 6% APR automatically ($10M captured in the first month!). > Midas users in Turkey may deposit USDT + earn 4% backed by U.S. money market funds, thus protecting against lira collapse while earning returns. > Glim employees in Colombia may get 3% APY on their paycheck savings, compounding daily. > @kredete in Africa: 500K users earning 2-9% depending on risk appetite. > @buenbit_mx serving 4M+ LATAM users with 7% products... + more. Why users care? Money finally works for them instead of sitting in a savings account earning nothing while inflation eats your purchasing power. How fintechs win? Deposits grow fast, users stay longer, and fintechs capture net interest margin vs. just transaction fees.

Avalanche now rank among the top five blockchain networks for tokenized assets (RWAs) by both distributed and represented value. @avax has been focused on bringing the world’s assets onchain from day one, and this is still just the beginning. Across native origination and servicing, collateral mobility, and liquidity, traditional financial services and decentralized financial infrastructure are increasingly converging on Avalanche. The ecosystem brings together some of the world’s largest asset managers, leading financial institutions, and the next generation of DeFi partners. Avalanche offers a combination that many enterprise networks cannot: liquidity & native integrations, a thriving DeFi ecosystem, EVM compatibility, and the ability to create highly customizable, purpose-built networks. Modernizing financial services is not a trend we recently embraced. Rather, it has always been core to our mission and it will continue to define what we build toward next.

BREAKING: Progmat has migrated ¥452B+ ($2.7B+) in regulated digital securities to an Avalanche L1 Japan's largest security token platform moved with no disruption to issuers or participating financial institutions. Ownership transfers are now up to 3–5x faster on @progmat_en.

Progmat, Japan's largest STO platform, is now live on @avax "All ST projects (over 452 billion yen) are now EVM-compatible, achieving both financial institution-level requirements and the utilization of public chains. Rights transfers are accelerated 3-5 times faster than before, enabling high-speed settlements in under 2 seconds."

BlackRock’s BUIDL Tops $900M on Avalanche, Doubles in a Week According to RWA xyz, BlackRock’s tokenized money market fund BUIDL has surpassed $900 million in assets under management (AUM) on the Avalanche network, increasing by approximately $436 million (105%) over the past week. Launched in March 2024, BUIDL now has a total AUM of about $2.87 billion, making it one of the world’s largest on-chain tokenized U.S. Treasury funds.

BREAKING: BlackRock's BUIDL fund on Avalanche surpasses $900M in AUM, up 105% in the past week. The tokenized money market fund has grown $436M in seven days. BUIDL launched in March 2024 and now ranks among the largest institutional on-chain dollar products.

🚨HYUNDAI TO USE AVALANCHE FOR STABLECOIN TRANSFERS Hyundai has moved its cross-border internal remittance system into production readiness on Avalanche, making it the FIRST major South Korean company to use the network for live treasury transfers. The pilot moved USD and USDT between Hyundai’s U.S. and Mexico entities.

Tokenization adoption will be driven by integration into existing financial infrastructure -- by meeting institutions where they're at. Connecting assets like USDe from @ethena into institutional OMS, portfolio management, and distribution platforms like @BlackRock's Aladdin is how onchain finance will ultimately be able to help upgrade legacy financial workflows. It's a prime example of how onchain products can reach real allocators at scale.