Reflection of Co-Learning Mantle week 2

Source: Dev.to

What exactly is RWA? (The Digital Mirror)

At its core, Real World Assets (RWA) are digital representations of physical or financial assets (like real estate, gold, or government bonds) on the blockchain. This process is called tokenization.

The most exciting part for me was seeing how RWA solves “old world” problems. In Traditional Finance (TradFi), investing in a commercial building requires millions of dollars. Through RWA, we can have fractional ownership, allowing someone to buy a “piece” of a property for as little as $10.

The Legal Puzzle: Token vs. Title

One of the biggest questions I had was: “Does owning a token legally mean I own the asset?” The module explains that this depends on the legal structuring. I learned about three main models:

• SPV (Special Purpose Vehicle) – A company holds the asset, and the token represents shares in that company.
• Direct Ownership – The law directly recognizes the token as the title deed (common in crypto‑friendly hubs like Switzerland).
• Contractual Claims – The token acts as a contract between the holder and a custodian (common for gold‑backed tokens).

For those of us in Indonesia, it’s fascinating to see the OJK (Financial Services Authority) developing frameworks to regulate these digital securities by 2025.

Why Mantle Network for RWA?

Choosing the right blockchain is critical for RWA because these projects require high security and low costs. Mantle Network stands out for a few reasons:

• Efficiency – Its modular architecture keeps transaction fees low, which is essential when dealing with small fractional investments.
• Institutional Grade – Mantle provides the performance needed for high‑frequency trading of tokenized assets.
• Ecosystem – Initiatives like the Mantle Global Hackathon (offering $150k in prizes) create a massive push to make Mantle the go‑to home for “RealFi.”

Technical Standards & Compliance

Unlike a standard ERC‑20 token that anyone can send to anyone, RWA tokens must be “smart” enough to follow the law. I learned about:

• ERC‑3643 – A standard that ensures tokens can only be transferred to users who have passed KYC (Know Your Customer) verification.
• Oracles (Chainlink) – Provide the “bridge” for data, ensuring the price of the asset on‑chain matches the real‑world market value.
• Proof of Reserve (PoR) – A way to prove on‑chain that the physical gold or cash actually exists in a vault.

Practical Application: The IndonesiaPropertyToken

The most hands‑on part of the course is the challenge to build the IndonesiaPropertyToken. This project involves creating a decentralized application (DApp) that allows users to invest in Indonesian real estate.

• Mission – Integrate a KYC Registry with a Property Token contract.
• Goal – Ensure transparency, liquidity, and 24/7 trading for assets that were previously “locked” behind high barriers to entry.

Final Thoughts: The Road Ahead

The RWA market is projected to reach $10–30 trillion by 2030. Learning this now feels like being at the start of a massive wave. The Mantle Co‑Learning Camp doesn’t just teach you how to code; it teaches you how to rebuild the global financial system.

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