New Report Forecasts Asset Tokenization to Reach $30 Trillion by 2030
The global financial system is on the verge of a transformation as tokenization is expected to reach $30 trillion by 2030, according to a new report from Security Token Market (STM).
The research notes that blockchain-based asset tokenization is accelerating beyond expectations, with real-world assets (RWAs) like bonds, real estate, commodities, and equities already gaining traction.
Tokenization is the process of converting anything into digital assets onto a blockchain, making them more efficient, liquid, and accessible.
Today’s financial system still relies on outdated infrastructure — spreadsheets, PDFs, and legacy software — creating inefficiencies in global markets. Tokenization solves this by offering a blockchain-powered operating system for finance, allowing assets like stocks, bonds, and real estate to be traded instantly, with lower fees and fewer intermediaries.
The report pointed our that tokenization is not just theoretical — it’s already happening. More than $50 billion worth of assets are tokenized today, including bonds, stocks, funds, and real estate. Stablecoins, a subset of tokenized assets, have already become a multi-trillion-dollar industry, used globally for payments and corporate finance.
Why Tokenization is Set to Explode
Several major trends are driving the rapid adoption of tokenized assets:
The fastest-growing tokenized asset class is stablecoins, which represent over $200 billion in digital dollars today. They are used for international payments, corporate treasury management, and even by companies like SpaceX to receive payments globally.
The report predicts that by 2030, stablecoins will account for 16–27% of global M1 money supply, putting their total value between $3 and $5 trillion. This adoption is driven by their ability to settle transactions instantly and reduce banking fees, positioning them as a superior alternative to traditional cash.
Tokenized money market funds — also called yieldcoins — are growing as stablecoin issuers seek returns on their reserves. This sector, currently worth around $5 billion, is projected to reach $3–6 trillion by 2030. Leading asset managers like BlackRock, Franklin Templeton, and Ondo Finance are already tokenizing treasuries, allowing investors to access traditional finance instruments in a more transparent and efficient manner.
Real estate, the world’s largest asset class, valued at $379 trillion, is gradually moving on-chain. Tokenization allows for fractional ownership, making it easier for people to invest in real estate without needing to buy an entire property. The tokenized real estate market is currently valued at $5.5 billion but is expected to grow to $6–8 trillion by 2030.
Tokenization is also disrupting commodity markets, especially gold and oil, which are valued at over $18.5 trillion and $7 trillion, respectively. The report points to HSBC’s tokenized gold initiative and the launch of oil-backed tokens as indicators of this shift. If even a fraction of these markets move on-chain, the tokenized commodities market could exceed $2–3 trillion by 2030.
Public and Private Equity Markets
Stock markets worldwide, valued at $115 trillion, are gradually integrating blockchain technology. Despite only $22 million in tokenized stocks today, the market could reach $3–5 trillion by 2030 as exchanges adopt blockchain-based settlements.
Private equity is another major target for tokenization. Hedge funds, venture capital firms, and alternative investment funds, currently managing $4.5 trillion, are beginning to move assets on-chain, improving liquidity and accessibility. The report suggests that private market tokenization could grow to $3–6 trillion by 2030.
Bonds represent the largest financial asset class, worth $140 trillion globally. Currently, $21 billion in bonds have been tokenized, but adoption is accelerating as major institutions recognize the efficiency of blockchain-based debt issuance. Tokenized bonds could grow to $5–8 trillion by 2030, particularly with the expansion of green bonds and corporate debt instruments.
The global lending industry, including mortgages and home equity loans (HELOCs), is another area ripe for tokenization. The report notes that $12.59 trillion in mortgages and $387 billion in HELOCs exist in the U.S. alone, with tokenization set to reduce borrowing costs and improve transparency. Tokenized private credit markets could reach $5–9 trillion by 2030.
How Fast Will Tokenization Grow?
Many institutions have underestimated tokenization’s potential. McKinsey and Citi predict a $2–4 trillion market by 2030, while HSBC estimates $7–14 trillion. STM, however, believes these estimates are too conservative, as adoption is accelerating faster than expected.
Governments and regulators are increasingly supporting tokenization. The U.S. is considering stablecoin legislation to maintain the dollar’s dominance, while Europe and Asia are testing central bank digital currencies (CBDCs).
Leading asset managers like BlackRock, Apollo Global Management, and Hamilton Lane are tokenizing investment products. If major firms continue adopting blockchain technology, market growth could exceed forecasts.
Large exchanges are testing blockchain settlements, reducing risks like naked short selling, which led to the GameStop crisis in 2021. Tokenization could become mandatory for regulatory compliance in capital markets.
TokenFi’s RWA Tokenization Module
While institutions are embracing tokenization at a large scale, TokenFi is building a platform to make this process easy for everyone — not just financial giants like Apollo.
TokenFi’s RWA Tokenization Module aims to simplify the entire tokenization process, enabling anyone to convert real-world assets into digital tokens in just a few clicks.
TokenFi focuses on accessibility, making it possible for businesses, startups, and retail investors to participate in tokenization without needing technical expertise.
