Ztudium’s Dinis Guarda: Real-World Asset Tokenization Is No Longer A 2030 Bet
Real-world asset tokenization is still treated by many investors as a slow financial market shift. The evidence is starting to move faster than that assumption.
J.P. Morgan says Kinexys has processed more than $3 trillion in transactions since inception and now averages more than $5 billion a day. US banking regulators also clarified in March 2026 that eligible tokenized securities should generally receive the same capital treatment as their non-tokenized form.
The investor question is no longer whether tokenized finance can work in theory. It is whether markets are still valuing it like a 2030 theme while regulated institutions are already building the pipes.
The 2030 Timeline Looks Too Slow
McKinsey estimates that tokenized market capitalization could reach around $2 trillion by 2030, excluding cryptocurrencies and stablecoins, with a bullish scenario of around $4 trillion.
That forecast still matters. What matters more is the shift in language from major institutions. The IMF’s April 2026 note describes tokenization as a structural shift in financial architecture, with implications for settlement, liquidity, risk management and governance.
The market has spent years asking whether real-world asset tokenization will happen. The better question now is whether it is being priced too slowly.
Infrastructure, Not Hype, Is The Real Test
The World Economic Forum’s 2025 report frames tokenization around shared records, programmability, fractional ownership and composability. It also warns that legacy infrastructure, regulatory fragmentation, limited interoperability and liquidity issues remain real barriers.
That is where the investment case becomes more interesting. Tokenization does not need to transform every asset class at once to matter. If it changes collateral, money-market funds, treasury workflows, repo, digital securities and bank settlement first, the market impact could arrive well before full adoption.
Read More: Ztudium Founder Dinis Guarda On Stablecoins And The Governance Gap
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