RWA Finance

Idea 08

Universal RWA Portfolio

A wealth account made of tokenized assets, labeled like a balance sheet.

Category
RWA × Consumer Finance
Difficulty
Intermediate
Theme
RWA Finance
  • Soroban
  • SAC
  • USDC

Savings modes are allocation rules, not a yield promise. Say which assets each mode holds. Do not state an expected return.

Problem

Stellar already hosts treasuries, money-market funds, private credit, and tokenized gold. A holder still sees ticker symbols — BENJI, USDC, XAUm, deJTRSY — instead of what they own.

Idea

Show the account as cash, treasuries, private credit, and gold. Let the user set an allocation, for example 50% treasuries, 20% gold, 20% credit, 10% cash. Soroban rebalances to those weights.

Why now

Stellar hosts multiple RWA classes, and its Q2 report said RWAs had crossed $3B by June.

User story

A saver picks an allocation. The account shows “Cash $2,100, US Treasuries $7,400, Private Credit $1,800, Gold $1,200”. A rebalance trade moves SAC balances toward the targets.

Architecture

  1. 01

    Read SAC balances: BENJI, USDC, XAUm, deJTRSY

  2. 02

    Map each token to Cash, Treasuries, Private Credit, or Gold

  3. 03

    User sets target weights

  4. 04

    Soroban computes the trades

  5. 05

    Rebalance executes

MVP

  • Map four allowlisted assets to plain-language buckets.
  • Price each bucket and show the dollar mix.
  • Accept target weights that sum to 100%.
  • Propose the trades that move the book to those weights.
  • Execute the rebalance with the user’s authorization.

Soroban contracts

  • Portfolio

    Stores the bucket map and the user’s target weights.

  • Valuation

    Prices each SAC into a bucket total.

  • Rebalancer

    Computes and submits the trades toward target weights.

Stellar features

  • Multiple RWA SACs in one account
  • Soroban auth on the rebalance
  • Plain balances instead of raw tickers in the UI

Suggested integrations

  • BENJI or a treasury SAC
  • USDC
  • A gold token such as XAUm
  • A private-credit token
  • An oracle

Build sequence

  1. 01

    Bucket map

    Four assets, four labels, balances read from the account.

  2. 02

    Valuation

    Dollar value per bucket and a current mix.

  3. 03

    Targets

    Weights that must sum to 100. Reject anything else.

  4. 04

    Rebalance

    Compute deltas and execute the smallest set of transfers.

  5. 05

    Demo

    Show the balance-sheet view before and after one rebalance.

Stretch goals

  • Savings modes — Conservative, Income, Inflation Hedge — described as asset rules. Do not promise a return.

Resources