DIP070 - Launching dForce’s RWA Infrastructure

Summary

Real-world asset (RWA) adoption in DeFi has surged, with a $10.6 billion market in 2025, driven by tokenized assets like real estate and Treasuries, offering stable yields and diversification. dForce aims to build an RWA lending market to enhance liquidity, provide sustainable yields through RWA, and attract diverse investors, strengthening its position in DeFi.

By bridging DeFi and traditional finance through RWAs, dForce can evolve into a more resilient, scalable, and utility-driven protocol, attracting broader user segments and creating lasting value.

Seeking community approval, dForce plans to develop omni-chain RWA infrastructure to enable cross-chain interoperability, foster sustainable innovation, and lead the growing RWA market.

Motivation

dForce, a DeFAI platform offering a full stack of DeFi protocols enhanced by AI-driven automation and intelligence, is well-positioned to bridge DeFi and traditional finance through Real-World Assets (RWAs). This strategic expansion can transform dForce into a more resilient, scalable, and utility-driven protocol—attracting a broader range of users and unlocking sustainable, long-term value. Main benefits are:

• Access to Sustainable, Real-Yield Opportunities: By enabling lending markets backed by RWAs - such as invoices, real estate, treasury bills, infrastructure - dForce can tap into stable, off-chain yield sources. This diversifies income streams and attracts more risk-averse users seeking consistent returns.
• Enhanced Liquidity and Accessibility: Tokenizing RWAs like renewable energy infrastructure or real estate allows dForce to offer fractional ownership, attracting a broader investor base, including retail and institutional participants. This aligns with dForce’s mission to provide permissionless liquidity across ecosystems.
• Diversified Collateral Options: An RWA lending market allows borrowers to use tokenized assets as collateral, reducing reliance on over-collateralized crypto assets and improving capital efficiency for underserved markets.
• Institutional & Regulatory Alignment: RWAs create a gateway for institutions to participate in DeFi. Structured properly, they align with regulatory expectations, making dForce more attractive to traditional finance players seeking compliant DeFi exposure.
• AI-Powered Operations for Scale & Automation: Combining AI with RWA infrastructure allows dForce to automate risk monitoring, yield optimization, etc - essential for scaling RWA adoption efficiently across multiple chains.
• Community and Ecosystem Growth: By integrating RWAs, dForce can attract traditional investors and institutions, expanding its user base and fostering ecosystem development through its governance.
• Additional Revenue Stream: Building an RWA lending market can create new and sustainable revenue streams for dForce. The platform can earn fees from facilitating RWA-backed loans, similar to its existing lending protocols. Additionally, this move could attract institutional capital that is increasingly exploring opportunities to earn yield on tokenized real-world assets within the DeFi space.

Specification

Omni Chain RWA Lending Markets

The dForce RWA Market is a permissioned lending platform designed for tokenized Real-World Assets. Each market is uniquely structured around a single RWA collateral, with loan terms—such as interest rates, loan-to-value ratios, and maturity—customized by the borrower. To ensure asset integrity and mitigate risk, all RWAs undergo strict verification and due diligence prior to onboarding. This curated and compliant framework enables secure, efficient capital deployment. dForce RWA Markets will be deployed across all supported chains, enabling seamless multichain access to RWA liquidity.

Optimize Yield Across Chains with RWA Vaults

The dForce RWA Vault offers a permissionless entry point for stablecoin lenders to earn yield backed by real-world assets. Anyone can deposit supported stablecoins into the vault, which are then allocated by the vault owner into whitelisted dForce RWA markets across supported chains. Vault owners manage capital deployment based on tailored yield strategies, enabling efficient, multichain access to RWA-backed returns.

The first example of this RWA model will soon go live—China’s first battery-swapping RWA market on Conflux, backed by Ant Digital Technologies and tokenized through Victory Securities. This launch highlights the transformative potential of dForce-enabled RWA markets: real assets, real yield, and real-world impact—fully brought on-chain with verified collateral.

AI-Powered DeFi Operations for RWAs

Integrating AI into dForce’s RWA operations can enhance efficiency, security, and scalability:

• Asset Verification and Valuation: AI-driven analytics can assess the value of tokenized RWA efficiently.
• Risk Management: Machine learning models can analyze market conditions, predict RWA price fluctuations, and assess borrower creditworthiness, optimizing loan terms and minimizing defaults.
• Yield Strategies: AI can tailor yield opportunities based on user risk profiles, enhancing investor engagement and retention in dForce’s lending markets.
• Scalable Verification Frameworks: AI can support standardized RWA verification protocols, ensuring regulatory compliance and interoperability across chains, critical for dForce’s omni-chain ambitions.

Proposal

1. Launch RWA Markets on all supported chains
2. Launch RWA Vaults on all supported chains

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Draft - DIP70: Enabling Isolated RWA Markets on dForce

Summary

This proposal seeks community approval for enabling permissionless isolated RWA (Real World Asset) markets within the dForce Protocol.

As tokenization of traditional assets gains momentum, RWAs present a transformative opportunity for DeFi—unlocking new forms of collateral, tapping into global liquidity, and bridging traditional finance with onchain markets. By launching isolated markets specifically tailored for RWAs, dForce can expand its product suite while maintaining rigorous risk controls and fostering the next phase of DeFAI evolution.

The recent launch of China’s first renewable energy battery-swapping RWA, supported by Ant Digital Technologies and tokenized via Conflux, showcases a compelling use case for such implementation. However, this DIP does not aim to approve any specific RWA—rather, it proposes the general framework and infrastructure to support permissionless, creator-driven RWA markets on dForce moving forward.

Conclusion

As China’s largest DeFAI protocol, dForce is primed to lead RWA adoption in Asia and globally—offering a secure, composable platform that integrates lending, stablecoins, DEX, and bridges. Approving this DIP will allow dForce to empower permissionless RWA innovation, strengthen its position as an RWA leader, and expand its DeFAI infrastructure into one of the fastest-growing sectors in Web3.