RWA Outlook on Aptos in 2026 By early 2026, RWAs have become a major narrative Total distributed value across the sector has surpassed $20B, and tokenization is increasingly viewed as a new financial standard Within this context, @Aptos is emerging as a Layer 1 built “the right way” for RWAs, both technically and at the ecosystem level. ❯ Institutional Capital as the Core Growth Engine Aptos is being driven by real institutional inflows, not short-term speculation. Key participants include: + BlackRock (BUIDL) + Franklin Templeton (BENJI) + Apollo, Brevan Howard, Hamilton Lane (via Securitize, Libre Capital) These funds bring hundreds of millions in TVL, stable 4 - 6% yields from T-bills and money market funds, and strict requirements around compliance and settlement areas where only a few L1s are competitive ❯ Focused project strategy Aptos currently hosts only 7–14 active RWA projects, yet still maintains roughly $368 million in RWA TVL (ranked 9th/33 industry-wide), with a represented value exceeding $600 million This indicates that RWAs on Aptos have moved beyond experimentation into real operational deployment ❯ Private credit as the leading vertical Private credit has emerged as the clearest wedge: Projects like @pactfinance, @KAIO_xyz , @OndoFinance, and @Securitize directly address the liquidity constraints of traditional assets: + $1.9B+ loans issued + 8 - 12% yields + Strong focus on emerging markets (Asia, Africa) These RWAs generate real economic value, independent of short-term incentives or speculative yield structures ❯ Why Aptos fits RWAs especially well? Beyond raw throughput, Aptos is architected for real financial use cases: <1s finality | ~50ms block time Low, predictable fees Move language reduces logic risk in asset tokenization Compliance-first design (KYC, permissioned RWAs) These characteristics make Aptos well-suited for high-volume settlement and institution-grade financial applications ❯ 2026 as the RWA inflection point Industry-wide, RWAs are projected to grow from $16–20B to $50–100B TVL, reaching 20–30% of total DeFi TVL In this scenario, Aptos could realistically capture 5–10% of global RWA market share ❯ Growth scenarios for Aptos in 2026 If current trends continue: RWA TVL: $3–7B (10–20x growth) Stablecoins: $2–2.8B Continued expansion of BUIDL, BENJI, and private credit 10+ new RWA projects, supported by Aptos Foundation grants ❯ Next Phase: RWAs × DeFi RWAs will increasingly move beyond passive holding: → Used as collateral → Structured into yield products → Integrated into yield-stacking strategies With its speed and stability, Aptos is well positioned for real-time settlement and financial applications targeting mass adoption, particularly in emerging markets If early DeFi primarily served crypto-native users, 2026 marks the transition to RWAs, and Aptos is laying the rails for the next generation of the financial internet

Aptos is building for institutional adoption. Public chains expose sensitive data by default: balances, transaction sizes, strategies. Regulators need visibility into who's transacting but not competitors. @Aptos Confidential Transactions fix this by encrypting balances and transaction amounts while keeping sender and recipient identities visible. Launched on devnet through a partnership with Distributed Lab, the mechanism combines homomorphic encryption and zero-knowledge proofs. When a user sends tokens, the amount is encrypted under three keys: the recipient's, an auditor's, and their own. The sender generates a ZK proof demonstrating the transfer is valid without revealing the amount. Validators verify the proof and update balances without seeing underlying values. Token issuers can designate auditors who get independent decryption access. This unlocks use cases that were previously impossible onchain such as enabling Payroll without revealing compensation, Institutional trading without broadcasting position sizes, and Treasury operations that don't signal strategy to the market. Institutional capital is also arriving. BlackRock's BUIDL fund scaled past $500M in October, making Aptos the second largest host for the fund after Ethereum. On the retail side, X-Chain Accounts remove onboarding friction. Ethereum and Solana users can create Aptos accounts using existing wallets. There is no need for new seed phrases, bridging, or acquiring APT for gas. Currently in testnet. Aptos combines privacy, compliance, and accessibility in one stack.