The best financial strategies, like private credit, structured finance, and institutional-grade yield strategies, have been gated behind wealth thresholds and country borders. Unless you were in New York, London, or Singapore with at least $100,000 to invest, these strategies are inaccessible to you. 

Crypto has the biggest product-market fit over the next years, which is resolving these structural barriers and democratizing access for the typical Joe. 

The market has moved past proof-of-concept

Tokenized real-world assets reached $35 billion in 2025, representing a 245-fold increase since 2020. Private credit alone will account for over $13 billion of that total, making it the largest non-stablecoin RWA category on-chain.  

Additionally, tokenized treasuries surged 539% in 18 months. BlackRock’s BUIDL fund crossed $2.9 billion in AUM, and JPMorgan’s fund processed $300 billion through tokenized collateral networks. 

According to a Coinbase survey, 76% of companies plan to add tokenized assets to their operations in 2026. What we see from the inside 

At cSigma, we’ve originated over $80 million in tokenized business loans across 24 months of operation. There have been no defaults to date. Our lenders can access yields in the mid-to-high teens from institutional borrowers: AI SaaS companies heading toward public listings, trade finance loan aggregators, and mid-market businesses generating tens of millions in annual revenue that traditional banks consider too small to service efficiently. 

The economics are straightforward. Remove intermediaries, connect stablecoin capital directly to creditworthy borrowers, and both sides capture value that previously went to middlemen. Borrowers reduce their cost of capital by 20-30%. Lenders access transparent, institutional-grade yields that were not available to them before. 

We operate in a market where tokenized private credit has grown from $500 million to over $13 billion in under two years. The infrastructure works. The question now is scale. 

Three forces shaping 2026

Regulatory frameworks are crystallizing. The GENIUS Act was passed recently in the US, establishing the first comprehensive federal stablecoin framework. Advanced tokenization-specific policies like MiCA went live across Europe, Singapore, Hong Kong, and Dubai. Institutional volume around RWA has tripled over the past year because legal compliance pathways finally exist. 

The largest asset managers have committed publicly. BlackRock CEO Larry Fink wrote in his 2025 investor letter, “Every stock, every bond, every fund, every asset, can be tokenized.” Franklin Templeton and Apollo have launched tokenized products. When firms managing trillions move from experimentation and finally decide to deploy, capital follows. 

Private credit leads because the pain points are acute. The global private credit is approaching $2 trillion, with projections of $2.8 trillion by 2028. Traditional private credit locks capital for 5+ years with no secondary market, requires six-figure minimums, and runs on manual underwriting with monthly performance updates. Tokenization addresses each of these constraints directly: programmable liquidity, fractional access, and real-time transparency for every lender. 

What 2026 looks like in practice

By year-end, any stablecoin holder globally will be able to access US treasuries, private credit, tokenized equities, and structured products from a single wallet. A $1,000 investor will be able to construct the same diversified portfolio that required $10 million and a private banker a decade ago. 

The projections vary in magnitude but align in direction. Standard Chartered forecasts $30 trillion by 2034. BCG projects $16 trillion by 2030. McKinsey estimates $4 trillion, taking the conservative view. 

The common thread across all forecasts: blockchain infrastructure becomes a savings vehicle, not a speculation venue. The next wave of users aren’t degens yield-farming through bear markets. They’re people who want their capital to work harder than a 2% savings account, without the complexity of traditional wealth management. 

cSigma’s 2026 roadmap

We’re scaling to dozens of additional asset originators. Yield products sourcing yield from onchain and offchain economies are fully accessible on cSigma. Capital owners can create RWA or blended portfolios that fit their cash flow needs and return expectations. Partnerships with networks, protocols, and neobanks will put institutional yield in front of everyday savers who hold stablecoins but have nowhere productive to deploy them. 

The infrastructure exists. The regulatory window is opening. The institutional capital is staged. 2026 can be the year RWA moves from narrative to default allocation. 

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