Real-World Asset Platforms: Centrifuge vs. RealT Comparison for 2025

RWA platforms 2025 are evolving beyond simple tokenization, creating distinct models that bridge traditional assets and onchain markets. Centrifuge and RealT represent two of the most visible approaches, yet their structures, user bases, and scaling dynamics differ substantially.

Centrifuge tokenization targets institutional financial products, while RealT real estate focuses on fractional property ownership for retail users. Understanding these differences is essential as demand for diversified RWA exposure expands across DeFi, exchanges, and yield products, including emerging options such as RWA Bitrue earn.

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Centrifuge Tokenization vs. RealT Real Estate

Centrifuge tokenization applies to institutional-grade financial assets. Current offerings include tokenized Treasury products, AAA-rated credit instruments, and other large-scale fixed-income structures. These assets are designed for liquidity, fungibility, and seamless integration into DeFi collateral markets.

RealT real estate takes the opposite approach, tokenizing individual rental properties through LLC structures. Each property produces rental income, and tokens represent fractional ownership rather than transferable financial instruments. Assets are non-fungible, compliance-restricted, and slower to scale.

Centrifuge’s model resembles capital markets infrastructure. RealT’s model resembles a property-management platform brought onchain.

Read more: Solana’s Tokenized RWAs Hit $500T Potential: 24-Hour Global Adoption Trends

Scaling, Liquidity, and User Base

Centrifuge serves institutions, DAOs, and DeFi protocols seeking regulated, composable RWA exposure. The platform supports high-volume inflows, fungible ERC-20 wrappers, and multichain integrations. Liquidity grows as assets are adopted across lending markets and stablecoin treasuries.

RealT real estate is retail-focused, with typical investment sizes ranging from tens to hundreds of dollars per user. Liquidity is limited because transfers occur through controlled channels rather than public DEXs. Scaling remains linear: each new property requires acquisition, structuring, and ongoing management.

The difference is structural. Centrifuge scales through aggregated AUM, while RealT scales property by property.

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Why These RWA Platforms Differ in 2025

The divergence between these RWA platforms 2025 stems from product design and regulatory positioning. Centrifuge tokenization packages institutional assets into regulated funds and then wraps them as permissionless ERC-20s for DeFi. This dual-track model enables broad distribution across lending protocols, treasuries, and yield aggregators.

RealT real estate cannot support this level of composability due to property-specific regulations and limitations on secondary trading. Tokens function as membership interests rather than freely transferable assets, restricting integrations with DeFi money markets.

Platforms offering RWA Bitrue earn and similar products highlight growing demand for simple yield exposure. However, the mechanics behind each RWA source vary substantially, making it important to distinguish institutional tokenization from retail real-estate tokenization.

Conclusion

Centrifuge and RealT illustrate two different pathways for bringing real-world assets onchain. Centrifuge offers institutional-scale, composable financial products, while RealT specializes in fractional rental property ownership with limited liquidity. 

As RWA platforms 2025 expand, understanding these differences is essential for evaluating market potential, scalability, and the evolving role of tokenized assets across DeFi and centralized yield products.

FAQ

What makes Centrifuge tokenization different from RealT real estate?

Centrifuge tokenization converts institutional fixed-income assets into regulated fund shares and permissionless ERC-20 wrappers, while RealT real estate tokenizes individual rental properties with restricted transferability.

Why does Centrifuge scale faster than RealT?

Centrifuge uses fungible institutional assets that integrate into DeFi markets, allowing AUM-driven growth. RealT grows property by property, limiting scalability.

Who uses these RWA platforms in 2025?

Institutions, DAOs, and lending protocols primarily use Centrifuge. Retail investors seeking rental income typically use RealT.

How does liquidity differ between the two platforms?

Centrifuge assets trade and circulate across DeFi, creating deeper liquidity. RealT assets are restricted and cannot freely trade on major DEXs.

What role does RWA Bitrue earn play in the ecosystem?

RWA Bitrue earn represents the broader demand for tokenized yield products, but underlying exposures differ significantly depending on whether assets come from institutional funds or real-estate tokenization.