Goldfinch Prime: A New Leader In The Emerging RWA Opportunity

The tokenized real-world asset (RWA) market is experiencing a rapid surge, with VanEck projecting it will exceed $50 billion by 2025. In traditional finance, private credit loans provide non-bank financing, mainly to small and medium-sized enterprises (SMEs). This lending process has now evolved in the RWA space, creating on-chain private credit secured by real-world collateral.

As the entire RWA sector is witnessing unprecedented growth, climbing 61% since the beginning of 2024, the on-chain private credit market is becoming increasingly popular. On-chain private credit now represents nearly 70% of the total value of RWAs, according to data from RWA.xyz.

In this dynamic landscape, the latest product on the Goldfinch protocol, Goldfinch Prime, stands out by offering one of the most diversified pools of institutional-grade private credit funds available on the blockchain.

Institutional-Grade Private Credit Onchain

The future of real-world assets (RWAs) is unfolding now on Goldfinch Prime, the latest RWA opportunity developed on the Goldfinch platform.

Goldfinch was an early pioneer of the RWA space, and continues to be a leader. They started back in 2020, and have facilitated over $100 million in on-chain loans, making it one of the top 10 RWA protocols by both total and active loans.

With the introduction of Goldfinch Prime, the protocol is advancing the integration of RWAs into modern investment portfolios. This new offering provides non-U.S. investors with access to a single, diversified investment pool, exposing them to thousands of loans from leading credit firms like Apollo Global Management, Ares Management, and Golub Capital.

Related: Crypto for Advisors: Private Credit Meets the Blockchain

How Goldfinch Prime Works

The Goldfinch Prime pool will offer users exposure to institutional-grade private credit, targeting returns of between 9-12%, net of fees. All private credit funds in the pools are researched thoroughly and required to meet stringent criteria for entry:

• Managed by institutional firms with at least $1 billion AUM and +10 years of private credit experience.
• Portfolios with expected >90% senior secured loans and <5% payment-in-kind interest income.
• Target average non-accrual loan rate <1%.
• Registered with the SEC with robust quarterly reporting.

Not only is the Goldfinch team strict on the reporting and compliance requirements for assets offered within Prime pools, but Goldfinch puts the same level of scrutiny on itself. Goldfinch has designated a counterparty to execute transactions on behalf of the pool (fund share purchases and redemptions) and interface with the external credit funds.

In addition to utilizing a third party for real world transactions, Goldfinch will also provide regular and transparent quarterly funding reports, ensuring its users that the pool’s investments adhere to the targeted fund criteria.

Start Investing In The Future of RWAs

The future of RWA is onchain. With an expected $30B in assets expected to be tokenized in 2025, Goldfinch is providing the means for global investors to access quality private credit investing options previously unobtainable by the general market.

With Goldfinch Prime, non-U.S. investors now have access to thousands of loans from leading private credit firms that collectively manage over $1 trillion in AUM, all through a single diversified investment pool. To learn more about Goldfinch Prime, visit goldfinch.finance.

Learn More: What 2025 Holds for Tokenized Real World Assets