Tokenized Finance Could Reach $11 Trillion by 2030

According to ARK Invest’s projections, the value of tokenized assets could climb to 11 trillion dollars by 2030, compared to a current market estimated around 22 billion. In other words, ARK is not talking about a gadget, but about a plumbing change for finance.

An estimate of tokenization that changes the scale of the debate

The market for tokenized assets would weigh today around a few tens of billions of dollars. ARK estimates this number could be multiplied by several hundreds in less than ten years. The reason is not a massive influx of individuals, but it is institutions.

In this vision, tokenization primarily concerns bonds, funds, structured products and certain illiquid assets. Indeed, it is not only fractional real estate or digital artworks. The objective is to move record keeping and settlements onto programmable infrastructures. Faster, more traceable and less costly.

ARK emphasizes one point often misunderstood. Tokenizing an asset does not make it magical. Indeed, it does not become more profitable nor automatically liquid. However, it becomes easier to integrate into financial value chains. And that’s where value creation appears.

Tokenization of funds could drive that of underlying assets. Once the wrapper is digitized, logic dictates the content follows. This mechanism could accelerate market growth much faster than expected.

The central role of stablecoins in this dynamic

Tokenization does not progress alone. It relies on a tool already widely adopted, namely, stablecoins. These tokens indexed to fiat currencies serve today as a gateway between traditional finance and blockchains.

For ARK, stablecoins are no longer just a crypto payment method. They become a universal settlement layer. Once money is tokenized, the rest naturally follows. Financial securities, fund shares, collateral. Everything can move on the same rails.

Tokenization does not replace banks or markets. However, it changes their internal mechanics. Indeed, there are fewer delays, fewer technical intermediaries, and more automation in compliance and delivery-versus-payment. In an environment where margins are compressed, this argument weighs heavily.

Five years ago, tokenization was mainly experimental with proofs of concept and low volumes. But today, the context has changed. Institutions seek measurable efficiency gains. Not promises.

With tokenized assets, some back-office costs can be reduced. It limits reconciliation errors and facilitates auditing. Additionally, tokenization paves the way for markets operating almost continuously. These benefits are concrete. They explain why asset managers and market infrastructures are now testing these solutions at scale.