Matthias

ATTENTION: NEAR20, an Agentic Yield-Bearing Token has just launched via @margfinance "The launch of NEAR20 represents a significant milestone in bringing institutional-quality yield products to the NEAR ecosystem" - Philipp Suarez, Head of Finance at NEAR Foundation

We are LIVE everyone - join in for a discussion on tokenized markets!

Margarita will be joining key conversations across TradFi and crypto this season 🍸 📍 CFC St. Moritz 📍 WEF Davos 📍 Consensus Hong Kong We’re focused on one thing: bringing structure, AI-driven execution, and risk awareness to DeFi yield. If you’re attending any of these, our DMs are open.

We passed $5M+ in issuance volume this November. 🚀 Another milestone mixed to perfection — thanks to our community. 🍸 Next target > $6M. Let’s keep compounding. 📈

🚀 NEAR20 is officially LIVE! @NEARProtocol Foundation and @margfinance just launched institutional-grade agentic yield on NEAR, targeting 20% APY through AI-powered options strategies. Game-changing part? NEAR Foundation is deploying their own treasury into NEAR20. That's conviction. 💪

Solana has a stablecoin of its own. $USX is live. USX is not just collateralized and composable. We already have $166M in TVL. Paired with YieldVault, USX delivers delta-neutral yield. Internet Capital Markets can burn bright. solstice.finance

RWAs Are On- and Off-Chain, TVL Should Be Too. (Part One) Here is the big idea. Real-world assets live in two places at once: • On-chain in smart contracts. • Off-chain with banks, custodians, transfer agents. Different dashboards look through different windows, so numbers won’t always match. That’s normal. The job is to reconcile, not dismiss. A recent public dust-up between @mcagney @FigureMarkets (a leading RWA issuer) and @DefiLlama @0xngmi, DeFiLlama (a leading DeFi data aggregator) spotlighted a core industry gap: how to accurately reflect the value of real-world assets represented on-chain. The episode underscored the mismatch between on-chain TVL snapshots and off-chain NAV/custody disclosures, and why today’s dashboards can disagree on the very same asset. Our analysis below distills the arguments on both sides, surfaces the structural issues, and proposes a practical path forward. We invite comments from across the ecosystem. We’ve tagged relevant teams not to assign blame, but to focus attention on a problem that, once solved, will strengthen transparency and trust for the entire RWA market. Why RWAs matter Tokenization turns familiar assets into programmable claims. A tokenized T-bill, fund share, or credit note can settle faster, plug into DeFi as collateral, and compose with other apps. Utility compounds liquidity and use cases. What RWA tokens actually represent An on-chain claim referencing an off-chain asset. Ask three things: -Can you value it today? -Can you redeem it on a known schedule? -Can an independent party attest the backing exists? Common forms (simple view) Stablecoins = cash/T-bills held off-chain. Good: fast rails, simple UX. Need: frequent reserve attestations, clean asset segregation. Tokenized fund shares =liquid public-market exposure (e.g., BUIDL, BENJI). Good: daily NAV, institution-grade controls. Limit: whitelists and fewer DeFi “lego” paths. Illiquid equity/real assets = private credit, property, venture. Good: on-chain ownership, simpler transfer. Reality: periodic marks, episodic trading. Why dashboards disagree on RWA value First, credit where it’s due: RWA.xyz, @coingecko @bobbyong and @DefiLlama are market leaders that aggregate crypto data with rigor and good intent. We use them ourselves personally but today, that said, RWA TVL at @IxsFinance , is not being captured correctly. The issue isn’t motive, it’s methodology. RWAs straddle on-chain contracts and off-chain custody/NAV files, and current pipelines weren’t built for that mix. Below, we explain where the gaps arise and how the industry can fix them. Why NAV/AUM don’t show up on CoinGecko (CG) / DeFiLlama (DL) with real examples DeFiLlama (project lead 0xngmi) “We consider the value of any tokens locked in the contracts of a protocol… as TVL.” docs.llama.fi RWA.xyz — Adam Lawrence (CEO) “As such, our principle, guided by the our users, is that we only track RWAs where the blockchain is the *legal* source-of-truth.” (x.com/adamlawrencium…) Here are some real life examples of RWA tokens that exist, have been issued by legitimate and licensed issuers, but the true value of the RWA is not being measured accurately on any 3rd party sites. 1. @Matrixport_EN Matrixdock, STBT Product: Whitelisted T-bill token; mint/redeem via OTC or gated contract. CG issue: No public DEX/CEX pairs + permissioned circulation → CG can’t price/market-cap. DL issue: DL relies on CG or public on-chain pricing; KYC rails + OTC flows mean no pool to value, and off-chain NAV isn’t “locked” on-chain. 2.@obligatecom Obligate Product: On-chain eNotes (bonds/CP/structured) on Polygon; redeemed at term. CG issue: Limited secondary trading; model/NAV pricing issues, DL issue: Value sits in issuer obligations + escrowed wallets; DL shows zero/low unless custom NAV ingest exists. 3. @opentrade_io OpenTrade Product: Tokenized T-bills, MMF’s and HYCB’s on Ethereum and Avalanche CG issue: No public DEX/CEX pairs + permissioned circulation → CG can’t price/market-cap. DL issue: The methodology for tracking TVL relies only on the value of tokens locked in the protocol or smart contracts. It is not verified against custodian attestations of the underlying T-bill certificates, and therefore does not provide an accurate picture of the true TVL. For both @OpenEden_X and OpenTrade, DefiLlama only tracks the value of tokens locked in the protocol. It does not verify whether those tokens are actually backed by T-bills held with custodians. To reflect the true position, tokens must be mapped 1:1 against custodian-verified T-bill holdings. Otherwise, the TVL figure on DefiLlama is misleading. Moreover, DefiLlama’s stated methodology does not indicate that it reviews custodian attestations of T-bill holdings. @IxsFinance

@margfinance @SuperteamDE @pattiruss_ Looking forward to this session with our friends from our favourite 🇨🇭 Canton

🇩🇪 Hallo, unsere deutschen Freunde! 😎 🎙️ Join Our Weekly Community Call We’re back with another exciting session — and you won’t want to miss this one! Featuring: Co-Founder: @MattWyss Special Guest from @superteamDE Patricia (@pattiruss_) 📅 Date: 13th August ⏰ Time: 2:30 PM CET 🔗 Set your reminder & tune in: x.com/i/spaces/1mrgm… Expect insightful updates, lively discussions, and fresh opportunities. 🍸 We’ll dive into the Solana ecosystem with Patricia — learning more about what they do at Superteam Germany, and also share exciting updates on what we’ve been building.

Rejoin here twitter.com/i/spaces/1DXGy…

🎯 Crypto goes mainstream – from fringe to forefront Yesterday, Sygnum hosted the third edition of our annual investor conference at Kongresshaus Zurich. Bringing together a packed room of forward-thinking investors, builders and innovators, we explored how blockchain, AI and decentralised infrastructure are accelerating crypto’s transition into the mainstream. Lutz Preussler highlights “As crypto matures, regulatory clarity increases, yields continue to illustrate the growth in the ecosystem, our clients are interested to hear about the investment opportunities the asset class provides.” 🎤 Speaker highlights: 🔹Prof. Dr. Caspar Hirschi (University of St.Gallen) – on how technological disruption shapes economies 🔹 Fabian Dori, Sygnum Chief Investment Officer – on crypto’s market inflection point and what lies ahead 🔹Markus Hämmerli, Sygnum Head of Portfolio Management – on stable yield opportunities in digital assets 🔹@MattWyss (@margfinance) – on how AI agents build on-chain investment products 🔹@charlesdhaussy (@dydxfoundation) – on how decentralised derivatives are reshaping markets A sincere thank you to all speakers and attendees for making yesterday’s event a success. Let’s continue shaping Future Finance together. 🙌

🚀 Mark your calendars! Tomorrow, @margfinance CEO @MattWyss will join @MarioNawfal’s Roundtable to discuss the role of AI in the future of onchain investments—and how Margarita Finance is leading the way! 📅 Tune in at 1:30 PM EST via roundtable.live We’ll share the live link once the show starts! 🔗 Don’t miss this deep dive into the future of AI-powered DeFi! 🔥 #DeFi #AI #Solana #Web3

📢 BIG NEWS: @margfinance just launched the world’s first AI-powered investment management for on-chain structured products! 🔥 🔹 AI-driven custom yield strategies 🔹 Fully on-chain, transparent, and efficient 🔹 Bridging TradFi risk management with DeFi flexibility This is the next evolution in automated, AI-powered DeFi investments—read more: prnewswire.com/news-releases/…

The Decade of Collaboration 🎉 The 2020s will be remembered as the decade when DeFi and TradFi merged to reshape global finance. Smarter tools, open access, and better outcomes for all. 🌟 Are you ready to build the future of finance? 📚 #DeFi #TradFi #FutureFinance

@margfinance @consensus2025 @krakenfx amazing, @margfinance rocking Hong Kong!!!

The @margfinance team had an electrifying start to @consensus2025 at the opening party in Hong Kong's stunning Cloud 39 venue. Highlights of the night: ▶️ Networking with industry giants: We connected with key players like @krakenfx (see pic!), discussing the latest trends and opportunities in the #crypto and #DeFi space. ▶️ Vibing to Grammy-nominated @ZHUmusic, setting the perfect mood for an amazing Consensus week. At @margfinance , we're building a platform that empowers users to take control of their investments with customized structured products. We're excited to connect with more innovators and disruptors at @consensus2025! #Crypto #ConsensusHK2025 #BlockchainRevolution

@margfinance at Animoca & Galaxy's Event 💡 We had a fantastic time at the recent event hosted by @animocabrands and @GalaxyDigitalHQ, where the focus was on tokenization and the future of finance. Here's what stood out: ▶️ Yat Siu (@ysiu) spoke passionately about true digital ownership (see image!), which aligns perfectly with our mission at Margarita Finance to give users control over their investments. ▶️ Galaxy, highlighted the growing institutional demand for innovative financial products, further validating our approach. At @margfinance , we're building a platform where users can define their own investment preferences and access customized structured products with the APY they desire. Join us in shaping the future of investing! #DeFi #YieldFarming #DeFiYields #Consensus2025

Your Ticket to Consensus 2025 in Hong Kong! Want to attend one of the biggest blockchain events in Asia? We're giving away a free ticket to Consensus 2025 in Hong Kong to one lucky member of our community! To enter: ➡️ Like this post ➡️ Share this post ➡️ Comment on this post with what excites you most about Margarita Finance and its impact on DeFi ➡️ Join our Telegram group (@margaritafinance) & make some noise Consensus 2025 will be held from February 18-20 in Hong Kong . It's a chance to connect with industry leaders, learn about the latest trends, and explore the future of finance. Don't miss this opportunity to attend Consensus 2025 for free! 👉 Learn more about Consensus: consensus-hongkong2025.coindesk.com

Weekend vibes + investing! 🍹 If you could create your own customized investment product on-chain, what would you prioritize? 👇