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R25, a blockchain subsidiary of Ant Financial, launched rcUSD+ on Polygon Wednesday, a stablecoin that generates yield by investing in money market funds and short-term institutional securities.
The token aims to deliver real-world asset returns to DeFi users without relying on token emissions or high-risk farming strategies, marking Ant Financial’s latest push into tokenized finance.
R25’s new RWA yield-bearing stablecoin, rcUSD+, is engineered to do more than simply maintain its peg. Instead, it channels yield from a conservatively managed portfolio of money market funds, structured notes, and short-term institutional-grade instruments.
These are the same low-risk tools traditionally used by major financial institutions seeking modest and secure returns. The rcUSD+ structure ensures that yield flows directly to token holders — without depending on inflationary token emissions or speculative farming incentives.
R25 emphasized that its RWA yield-bearing stablecoin is supported by “multiple layers of risk control” and a professionally managed portfolio with transparent oversight.
In a statement, the company said the design “offers stability anchored in real cash-flow generating assets, giving users a clearer understanding of how value is produced.”
Polygon (POL) serves as the launch network for the new RWA yield-bearing stablecoin, primarily due to its low fees and massive stablecoin throughput. The network already settles billions in stablecoin transactions each month and has rapidly become a preferred chain for RWA experimentation.
Polygon co-founder Sandeep Nailwal called the partnership a milestone for institutional-grade asset tokenization.
“This RWA yield-bearing stablecoin introduces institutional-quality real-world assets to the Polygon ecosystem,” Nailwal said.
“It lays a new foundational layer for developers building payment infrastructure, collateral systems, and lending markets.”
Polygon’s expanding RWA footprint — including India’s sovereign-backed stablecoin initiative and AlloyX’s regulated money market fund — makes rcUSD+ a timely addition to the chain’s growing institutional corridor.
Interest in RWAs has surged over the past 18 months, as banks, fintech giants, and asset managers explore tokenization as a way to increase transparency, accessibility, and efficiency.
Analysts at Bernstein recently projected that the tokenized RWA market could surpass $5 trillion by 2030, fueled by demand for yield-bearing assets.
This momentum positions rcUSD+ — and any RWA yield-bearing stablecoin built on similar mechanics — at the center of a major financial transformation.
Ant Financial, through its blockchain subsidiaries, has been steadily expanding its presence in the RWA sector. Its work includes gold tokenization systems, asset verification tools, and cross-border blockchain infrastructures designed to ensure compliant and audit-friendly issuance.
R25 leverages these technologies to deliver enhanced reporting and oversight for its RWA yield-bearing stablecoin, addressing long-standing concerns about transparency in the stablecoin industry.
The launch of rcUSD+ arrives at a moment when both institutional and retail users are seeking stablecoins that do more than preserve value. Yield-bearing structures, backed by conservative and verifiable assets, appeal to users wanting safer and predictable returns.
“Tokenized money market funds and yield-bearing stablecoins are redefining digital liquidity,” said Ryan Watkins, co-founder of Messari’s research team.
“Products like this RWA yield-bearing stablecoin give DeFi the credibility needed to attract mainstream capital.”
With rcUSD+, developers gain a compliant, yield-generating building block for lending markets, payment rails, synthetic assets, and collateral frameworks — adding momentum to Polygon’s rapidly expanding RWA ecosystem.
