Kryptoia - Web3 Ai Venture Builder

Jay - Web3 Ai Builder Verified account @Krypto_JayK · Sep 7

How much liquidity is actually in Web3?

The answer depends on what we mean by “liquidity.”

As of 2 September 2026, some useful indicators are:

💵 Stablecoins: ~$303.7B market cap
USDT: ~$183.3B
USDC: ~$73.5B
🔷 Ethereum
~$48.7B DeFi TVL
~$147.6B stablecoins
~$1.25B 24-hour DEX volume
🟣 Solana
~$5.8B DeFi TVL
~$15.6B stablecoins
~$2.35B 24-hour DEX volume

🌐 Total DeFi TVL: ~$85B
These are significant numbers.
But there is an important distinction:
Market cap ≠ TVL ≠ trading volume ≠ immediately available liquidity.

A protocol having $10B in TVL does not necessarily mean $10B can be sold or withdrawn at the same time without market impact.
Likewise, $300B+ of stablecoins in circulation doesn't mean the entire amount is sitting available on an exchange or liquidity pool.
For me, this becomes particularly important when we discuss RWA.
The emerging liquidity stack looks something like:

Banking → USD → Stablecoins → On-chain Liquidity → Tokenized RWA → Redemption → USD

Stablecoins can provide a settlement layer.

DeFi can help distribute and deploy liquidity.

RWA can connect that capital with real-world economic assets.

But the strength of this system will depend on more than how much value gets tokenized.

We also need to understand:

→ How deep are the secondary markets?
→ How much can actually be traded without significant slippage?
→ How reliable is redemption?
→ What happens to liquidity during market stress?
→ Can institutional capital enter and exit efficiently?

This is why I think liquidity—not simply tokenization—is one of the more important areas to watch in the next phase of Web3 and RWA.

Tokenization creates access.
Liquidity creates a market.

#Web3 #Liquidity #Stablecoins #RWA #Tokenization #DeFi #DigitalAssets #CapitalMarkets

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Jay - Web3 Ai Builder Verified account @Krypto_JayK · Sep 6

Get on the train with bitcoin!

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Jay - Web3 Ai Builder Verified account @Krypto_JayK · Sep 3

🏦 21 Major Financial Institutions Are Building a Stablecoin.

The news is out lnkd.in/gprshGSj

This is bigger than another stablecoin launch.

A group of 21 major financial institutions — including Bank of America, Citi, Goldman Sachs, Wells Fargo, Deutsche Bank, UBS, Santander and MUFG — are reportedly working on a jointly backed stablecoin initiative.

The first USD-denominated stablecoin is targeted for H1 2027, with other major currencies potentially following.

But the bigger story isn't the coin.

It's the infrastructure being built around digital money.

For years, stablecoins were largely viewed through a crypto lens.

Now the conversation is moving toward:
→ Institutional settlement
→ Cross-border payments
→ 24/7 movement of capital
→ Tokenized securities and RWAs
→ Integration between traditional finance and blockchain infrastructure

This matters because tokenization alone doesn't create a functioning financial market.

-Tokenization creates access.
-Stablecoins create settlement.
-Liquidity creates the market.

And liquidity remains the key question.
The stablecoin market has already grown beyond $300B, but USDT and USDC still represent the overwhelming majority of liquidity.

So even with 21 financial institutions behind a new stablecoin, adoption isn't guaranteed.
The real test will be whether they can create distribution, interoperability, redemption and deep liquidity around it.

If they can, we may be moving toward something much bigger than “banks adopting crypto.”

We may be watching the traditional financial system begin building its own on-chain settlement layer.

The next phase of RWA may not be about putting more assets on-chain.
It may be about building the liquidity infrastructure that allows those assets to actually move.

hashtag#Stablecoins hashtag#RWA hashtag#Tokenization hashtag#DigitalAssets hashtag#Web3 hashtag#Banking hashtag#InstitutionalFinance hashtag#Fintech

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Jay - Web3 Ai Builder Verified account @Krypto_JayK · Sep 2

RWA has a liquidity problem, not a tokenization problem.

We’ve become increasingly good at putting real-world assets on-chain.

Treasuries.
Private credit.
Funds.
Real estate.
Commodities.
But tokenizing an asset and creating a liquid market for it are two very different things.
Tokenization ≠ Liquidity.
You can represent a $10 million asset on-chain.
You can fractionalize it into thousands of tokens.

You can make ownership and settlement more efficient.

But when an investor wants to sell:

Who is on the other side of the trade?

That is where the real challenge begins.

For RWA markets to develop further, I believe we need to pay more attention to the infrastructure surrounding the token:

→ Sufficient buyers and sellers
→ Compliant secondary-market access
→ Reliable issuance and redemption
→ Stablecoin and fiat settlement rails
→ Market makers and liquidity providers
→ Custody and transfer infrastructure
→ Clear legal rights to the underlying asset

And liquidity needs to be considered under stress—not only when markets are functioning normally.

This is also why TVL or tokenized asset value should not automatically be interpreted as available liquidity.

A $100 million tokenized asset does not necessarily mean $100 million can be sold immediately without meaningful price impact.

Different RWA structures will naturally have different liquidity characteristics.
A tokenized Treasury product should not be evaluated in exactly the same way as tokenized private credit or real estate.
So perhaps the next stage of RWA isn't simply:
“What else can we tokenize?”
It is:
“How do we build functioning markets around what we've already tokenized?”
Issuance brought assets on-chain.

Liquidity may determine whether they can stay there at scale.

#RWA #Tokenization #Liquidity #Web3 #DigitalAssets #Stablecoins #DeFi #CapitalMarkets

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Jay - Web3 Ai Builder Verified account @Krypto_JayK · Aug 31

Bitcoin is everywhere with @saylor

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