Forum focus: RWA is reshaping global finance
On August 27, 2025, the “Stablecoin & RWA Innovation Forum” took place in Hong Kong. Co-hosted by FinChain, Vaulta Foundation, Fosun Wealth Holdings, and Feixiaohao, and supported by organizations including the Solana Foundation, Animoca Brands, Sonic Labs, and exSat Network, the conference gathered experts from traditional finance, crypto finance, and the blockchain space.
The forum centered on stablecoins and Real-World Assets (RWA) — a topic that has become a core track in Web3 over the last two years and that is drawing increasing attention from both capital and regulators. As regulators in jurisdictions such as the U.S., Hong Kong, and Singapore roll out RWA frameworks, asset tokenization is moving from experiment to large-scale deployment. The industry is coming to see RWA not simply as another blockchain use case but as a potential driving force for rearchitecting the global financial system.
Against this backdrop, Vaulta Foundation used the forum to publish its strategic blueprint for the on-chain bank. Vaulta Foundation argues that the traditional banking system resembles an industrial-era assembly line — built on homogeneous products and static services. In an era driven by AI and blockchain, a global, decentralized network of on-chain banks will reimagine financial services. In short, banks of the future will stop being passive product sellers and instead become innovative platforms that proactively orchestrate value flows using AI and smart contracts. Vaulta’s blueprint lays out five defining characteristics of that future on-chain bank, painting a picture of a decentralized, transparent, and efficient new financial ecosystem:
- From “service provider” to “value orchestrator.”
Traditional banks market and push financial products while customers make largely passive choices. Future on-chain banks will use AI assistants to proactively design each user’s financial pathway, intelligently allocate capital, and enable “earn-while-you-rest” experiences — transforming banks into architects of wealth and value flows. - From “islanded accounts” to “programmable, dynamic value flows.
Conventional bank accounts are siloed and static — each delivering a set yield or loan product. Chain-native accounts will break those silos: capital becomes programmable and can flow dynamically across institutions and borders, automatically routed worldwide for optimal allocation. - From “push-selling commoditized products” to “co-created customization.”
Legacy finance makes money selling standardized products. On-chain banks will leverage big data and AI to analyze user profiles and risk appetites and then co-create bespoke wealth plans — think modular “LEGO blocks” of financial building blocks, assembled with the user to generate personalized returns. - From “black-box risk control” to “end-to-end on-chain transparency.
Traditional wealth products often conceal cash flows and obfuscate risk. On-chain banks, relying on blockchain and RWA tech, will make every capital flow, underlying asset and yield traceable in real time — and will quantify and price risk continuously with transparent, data-driven models. - From “profits via information asymmetry” to “profits from efficient value flows.”
Banks historically profited from asymmetric information. In a mature on-chain ecosystem, those informational barriers will erode; competition will shift to who can move capital most efficiently and make the smartest automated decisions. Banks will monetize by optimizing the flow of value itself.
Together, these five pillars sketch a decentralized, intelligence-driven, transparent and global financial architecture — what Vaulta Foundation calls a reinvention of banking, not merely an upgrade. For example, speakers argued that on-chain banks will present a unified asset view — one interface to manage all bank, brokerage, and trading accounts — delivering a true “one-stop global account.” The proposal centers AI + blockchain: automatic smart-contract execution and data-driven decisioning will recompose how banking services are delivered.
From Strategy to Product Roadmap
To turn this blueprint into reality, Vaulta Foundation unveiled a series of implementation strategies and partnership initiatives. In terms of strategic collaboration, the solution was first validated in a real-world business scenario at Fosun-owned Sisram Medical Ltd. ( stock code: 1696.HK) and successfully deployed across four major international blockchains — Ethereum, Solana, Vaulta, and Sonic — becoming the first multi-chain capable “Hong Kong-listed equity performance-linked token” solution in Asia. This milestone not only represents the first attempt to tokenize Hong Kong-listed assets in a multi-chain RWA format, but also marks a significant step in bringing domestic assets onto blockchain rails.
Earlier, in May, Vaulta and Fosun Wealth began cooperating to provide blockchain infrastructure — such as BankingOS and the exSat Bank platform — supporting FinChain’s asset issuance and crypto payments while Fosun leverages its regulated licenses to help Vaulta expand into real-world assets. With Fosun’s global license network and RWA issuance capability, Vaulta’s on-chain bank services can reach real asset markets under compliant frameworks.
Notably, Vaulta’s on-chain banking concept is already being prototyped by exSat Bank, incubated within Vaulta Labs. exSat Bank implements BankingOS’s core stack and will serve as the integration point between RWA and on-chain financial services — providing a living product that validates the strategic blueprint. As the first mover on Vaulta’s roadmap, exSat Bank plans modules for intelligent cash management, cross-border payments, aggregated payment rails and RWA investment — enabling users to manage funds and allocate assets from a single unified account. It functions both as a proof-of-concept and as a bridge between legacy finance and the blockchain world.
On intelligent cash management, Vaulta Foundation showcased solutions that use AI to forecast user cash needs and manage idle balances dynamically. The system automatically reallocates idle funds based on user activity and market signals to continuously seek optimal yields — delivering truly automated value enhancement while keeping capital flows visible to users.
On unified trading and investment, Vaulta Foundation articulated an “Everything can be on-chain” vision: traditional assets — U.S. stocks, Hong Kong stocks and others — could all be traded on-chain. By unifying asset classes on a blockchain layer, bank, broker and trading accounts collapse into a single on-chain interface, enabling cross-market, multi-asset management. This frees users from the fragmentation of legacy finance and gives them a genuinely global asset perspective.
On aggregated payments, Vaulta Foundation proposed solutions to long-standing cross-border frictions. Traditional cross-border transfers suffer from high FX fees, multiple fees and low speed. Vaulta’s aggregated payment network uses AI to pick optimal routes in real time — reducing cost and latency and solving persistent frictions in cross-border value transfer.
On RWA investing, Vaulta Foundation plans to onboard more standardized fixed-income products (e.g., bonds) onto chain to offer investors steady returns. The system will auto-construct portfolios according to user risk profiles so users can access risk-aligned, stable returns without manually screening assets. Partnerships with entities like Fosun will expand the pool of real assets tokenized on chain, enriching investable instruments and improving on-chain allocation of financial assets.
Coming Soon: An “All-in-One” On-Chain Account
Vaulta Foundation’s strategy also targets end users: a forthcoming “All-in-One” account built for individuals. The core delivery vehicle is exSat Bank, which will integrate custody, payments and investment in a single product. The stack is based entirely on public blockchains and smart contracts for decentralized custody, while the front end will be designed for simplicity — think mobile banking apps that users already know — so customers won’t need to juggle private keys or deep crypto expertise. The UX aims to be as simple as using Alipay or a mobile bank app, but with transactions executed on-chain.
By packaging complex blockchain finance into a familiar product via exSat Bank, Vaulta Foundation aims to dramatically lower the barrier to entry for traditional users and make the “on-chain bank” accessible to everyday customers.
RWA Market Momentum and Industry Consensus
Alongside Vaulta’s release, forum panelists largely agreed that the RWA sector is moving from narrative to infrastructure. Vaulta Foundation’s Chief Commercial Officer, Sistine, observed that:
“Because traditional banking is too established and entrenched, it’s hard for incumbents to reinvent themselves. So the real drivers of on-chain banking will be crypto-native projects like Vaulta. Our goal is to build a new financial vault system that can host on-chain services while breaking through traditional banks’ structural and positional limits.”
Vaulta’s Chief Growth Officer, Joshua, emphasized AI’s role in intelligent asset management:
“Risk in Web3 asset management is dynamic. The key is having a tool that truly understands you and can match your risk preferences with product risk profiles.”
“Users often misread their own risk appetite, which also evolves with experience — for example, a private banking client may chase 40% returns initially but tighten risk controls after a drawdown. That’s why AI must analyze past behavior and adapt risk strategies — delivering asset management that ‘knows the user.”
With exSat Bank and partners moving forward, on-chain banking looks set to shift from blueprint to reality. As one speaker put it at the forum: “The future of finance will not be the future of banks — but the future of value flows.” For incumbents, Web3 players and ordinary users alike, this signals a new chapter: where technology and compliance meet, narratives become products, and experiences steadily improve. The core of future finance will no longer be a single centralized bank but the free, secure and efficient movement of capital that creates value.
