Making RWAs Accessible: How XDC Infrastructure Powers Credefi’s Lending Platform

2025 marks a turning point for Real-World Assets (RWA) in decentralized finance. Long touted as the missing link between the real economy and Web3, RWAs are finally accelerating thanks to blockchain infrastructures designed for concrete use cases in trade finance. Among the pioneers of this convergence: Credefi and XDC Network, which announce a strategic alliance to democratize access to tokenized credit for European SMEs, with real guarantees, stable yields, and end-to-end regulatory compliance.

Why this partnership now? – Growing demand from SMEs, a need for scalable and compliant infrastructure

The timing is no coincidence. In Europe and beyond, SMEs still struggle to access suitable financing despite their central role in the economy. Traditional banks, constrained by regulations or post-pandemic caution, leave a gap that Web3 solutions can fill—provided they offer speed, transparency, and compliance.

This is exactly what XDC Network offers, a Layer 1 blockchain optimized for trade finance, which today becomes Credefi’s Trusted Partner. This collaboration aims to address a dual demand:

1. SME borrowers seeking simple, fast, and competitive financing;
2. DeFi / TradFi lenders wanting access to real yields backed by tangible assets.

Combined strengths of Credefi and XDC – Real assets, fast settlements, private subnets, and off-chain credit oracle

Credefi, a European platform specializing in loans backed by RWAs, combines off-chain credit analysis, physical guarantees (such as real estate or commercial invoices), and automated portfolio management. XDC, on its side, offers a fast, low-cost infrastructure, with private subnet capabilities and ISO20022 compliance, facilitating integration with banking systems.

The partnership therefore enables:

• Almost instant settlements at negligible costs;
• A private credit oracle to evaluate SMEs off-chain;
• Facilitated compliance via integrated KYC/AML modules;
• The ability to build tokenized RWA loan markets on dedicated subnets.

Together, they lay the foundation for a hybrid financing system where blockchain transparency meets the robustness of traditional financial standards.

What this means for…

DeFi/TradFi lenders: yields, diversification, and compliance

For lenders, this integration represents a new, stable, and diversified asset class: SME loans backed by physical guarantees, generating competitive annual returns with real but controlled market exposure. In a crypto volatility context, these tokenized RWAs offer a haven of stability—while remaining liquid and accessible via Web3 interfaces.

With built-in regulatory compliance (MiCA, AML), institutional investors can now access these products without fearing regulatory risks.

SME borrowers: competitive rates, simplified KYC

On the borrower side, SMEs can finally benefit from quick, transparent financing without the usual administrative burdens. Thanks to Credefi’s off-chain oracle, the rating process remains accessible while maintaining high standards. The result: competitive rates, a smooth user experience, and increased transparency on the capital source.

RWA Batch 1 Program & 2025 Roadmap – Plug & Play Integration, Expo Day, XDC pool launches

Credefi has been selected to participate in the XDC Enterprise RWA Batch 1 program, an initiative aimed at catalyzing the most promising RWA projects. This program offers:

• Plug & Play support to integrate the XDC infrastructure;
• An Expo Day on June 10, 2025, in Silicon Valley, showcasing to investors and institutions;
• The launch of XDC-RWA liquidity pools, allowing users to directly inject liquidity onto the platform.

Ultimately, Credefi plans multichain integration by connecting the XDC ecosystem to other EVM-compatible networks for even broader access to global investors.

Note: the partnership announcement triggered a +10% increase in the $CREDI token, proving the market’s confidence in this RWA × Web3 convergence strategy.

This alliance between Credefi and XDC Network thus marks a decisive step in credit tokenization for SMEs. It demonstrates that a future where real finance and decentralized finance unite is no longer a utopia, but a functional, fast, regulated, and accessible reality. DeFi lenders, institutional investors, Web3 integrators, and especially European SMEs now have a direct gateway to simpler, smoother, and fairer financing. So join the platform today, follow the rollout on XDC, and test the tokenized financing opportunities! The real economy awaits you.