Matt Slovin

College student trying to learn tokenization and digital payments. Sharing as I go

[Matt Slovin @MattyTokens]

Yesterday i went deep on micropayments and how they connect to tokenization

Basic idea: a micropayment is a tiny payment, like a few cents or less. They never worked because your card processor takes 30 cents per swipe. Charge someone a nickel and you lose money

Stablecoins fix that. Digital dollars that move instantly for almost nothing. Now a half-cent payment actually works

Here's the tokenization link: tokenizing an asset just means turning it into digital units you can split as small as you want. Tiny units + tiny payments = you can pay for things continuously instead of in big chunks

Like earning interest on a treasury bill by the second, instead of every 3 months. Or an AI paying a fraction of a cent every time it pulls data

Micropayments aren't the point of tokenization. They're just what becomes possible once money lives on these rails

[Matt Slovin @MattyTokens]

@RWAFoundation_ @solana @StellarOrg Great graphic

[Matt Slovin @MattyTokens]

Top RWA chain is an incomplete phrase until you say which metric. Holders → Plume. Value → Ethereum. Stablecoins → ETH by cap, TRON by users. They’re three different races. And TRON’s $88B in stables just got its first real RWA bridge via Securitize x Hamilton Lane. Issuance is solved. Distribution is the game

@RWA_xyz @Securitize

[Matt Slovin @MattyTokens]

@Reental_co @OndoFinance @Broadridge Couldn’t agree more

[Matt Slovin @MattyTokens]

@RWAFoundation_ @plumenetwork @solana What’s the cleanest on ramp for a solo investor into actual private credit RWA, not just tokenized T-bills? Most rails I’ve seen still require accreditation + Securitize style KYC

[Matt Slovin @MattyTokens]

@RWAFoundation_ Let’s have a day

[Matt Slovin @MattyTokens]

🚨Citi projects $5.5 trillion base case and $8 trillion bull case by 2030 for tokenized assets

Check out the entire document below:

Highly recommend taking the time to go through it. Lot of valuable info and projections from the institutional level.

https://t.co/MiH98OQsYA

[Matt Slovin @MattyTokens]

“How can you buy a token for real estate if the company has leveraged debt against it?”

Got asked this today and honestly had no idea. So I looked into it.

When you buy a tokenized property, you’re usually buying the equity, not the building itself.

Here’s what that means:

The asset is owned by an SPV (a legal entity) that took on a mortgage, just like any normal real estate deal. The bank has a senior claim, so it gets paid first, always.

What gets tokenized is the equity, the value left after the debt. $1M property with a $600K loan? You’re splitting up the $400K of equity sitting behind the bank.

That means equity token holders are last in line. Rent pays the lender first. On a sale, the loan clears before holders see a dollar. If the deal goes bad, the equity gets wiped before the bank feels anything.

But here’s the part that clicked for me: you can also tokenize the debt instead of the equity. Then the token holder is effectively the lender (they get paid first and collect interest), but give up the upside. Safer seat, smaller reward.

So it’s never just “is it tokenized real estate?” The real question is which layer of the capital stack your token represents:

Senior debt → paid first, low yield

Equity → paid last, high upside

The leverage doesn’t disappear. Your token just sits somewhere in line and where it sits is everything.

[Matt Slovin @MattyTokens]

@ZeusRWA Good breakdown. Simplest way to put it: if holding the token means you own a piece of the actual money, it works. If it just lets you vote while the company keeps the cash, it’s not an investment that’ll attract more people

[Matt Slovin @MattyTokens]

Did a lot of reading today. Here are my 3 biggest takeaways:

1.Tokenizing stocks, bonds, securities etc makes so much sense the more and more I read. I don’t understand how people are still not all over this. It makes traditionally illiquid things tradable (pending buyer demand) and creates a global, near-24/7 accessible market in minutes. By 2035, I wouldn’t be shocked if most stocks have a 1:1 token accompanying it.

2.Real estate is a major illiquid asset that completely makes sense to put on chain. However, institutions are cautious and the trend is starting with Treasuries, bonds, and securities. The market’s already around $31–34 billion and growing fast. Once real estate is proven out, it’ll be a major boom. We’re talking trillions over the next several years.

3.If I was an institution, I’d be racing to create the dashboard/site that makes these tokenized products accessible to retail investors in a user friendly way. Whoever implements this correctly first makes the $$

[Matt Slovin @MattyTokens]

A little more outlandish thought today: Tokenizing your future revenue

Athlete endorsements, creator ad shares, SaaS contracts, music royalties. Every recurring revenue stream becomes a liquid, tradable asset. Your income stops being something you collect and starts being something you can sell.

Crazy? Yes. Possible sooner than you think? I think so

[Matt Slovin @MattyTokens]

@HarryTran_RWA @The_DTCC Huge!

[Matt Slovin @MattyTokens]

One day soon: “I just bought 2 mangroves in Malaysia” will be a totally normal sentence.

Tokenization changes what ownership even means

[Securitize @Securitize]

Tokenization will do for finance what the internet did for communication.

[Matt Slovin @MattyTokens]

@ZeusRWA Private course or daily fee?

[Matt Slovin @MattyTokens]

What does a fully tokenized capital market actually look like in 10 years?​​​​​​​​​​​​​​​​

Would love a loose breakdown on what this looks like

[Matt Slovin @MattyTokens]

Tokenization is turning ownership into something divisible like internet money.

You can buy 1 share of Apple today.

Soon you’ll buy:

* 0.0001% of an apartment building to collect rent
* 3 trees in a forest to earn from timber/carbon credits
* a fraction of a Picasso to get appreciation
* slivers of private credit funds to collect yield

Same assets. Just more accessible.

[Matt Slovin @MattyTokens]

Agentic Payments is the future.

Wanna send $1,000 USD to Japan?
Without agentic payments: USD → JPY, bank takes 3% FX fee,you get ¥140,800

With agentic payments: agent routes USD → BRL → EUR → JPY, finding the cheapest conversion at each step, you get ¥145,200

Same $1,000 expect the agent just found you an extra ¥4,400 in seconds.

A company sending $10M/year intentionally could save HUNDREDS of THOUSANDS.
This is the future.