17h05 ▪ 5 min read ▪ by La Rédaction C. ▪

At a time when DeFi is reinventing use cases with bewildering innovations, certain trends are literally exploding. In this technological noise, RWAs — those tokenized real-world assets — are charting a meteoric rise: +260% in 2025, for a $23 billion market. Behind this figure lies a promise: that of tangible, stable yields anchored in the real economy. A remedy for crypto volatility, a bridge to the traditional world. “Real yield is the new grail“, insiders are already whispering. And at the heart of this rise, Credefi is quietly playing its game.

In Brief Credefi connects DeFi to European SMEs with loans backed by real guarantees.

Investors benefit from stable and transparent yields, up to 12% APY, thanks to a proven infrastructure.

Tokenization, security, and governance make Credefi a strong player in the 2025 RWA boom.

Why Credefi Comes at the Right Time

For three years, Credefi has specialized in credit for European SMEs, a segment considered too risky or unprofitable by banks. Its approach? Merging DeFi capital with real borrowers, backing each loan with concrete guarantees: real estate, invoices, inventory. This positioning, long ignored, now aligns with the explosion of RWAs.

Credefi understood early on that it wasn’t enough to “tokenize just to tokenize.” It was necessary to create a trust chain between crypto lenders and traditional borrowers. The result: a unique infrastructure where SMEs gain access to efficient financing, while lenders receive predictable yields disconnected from volatile markets.

Credefi did not wait for tokenization to become trendy. It made it its DNA by combining ethics, yield, and security. And suddenly, the market is proving it right.

The Pillars of the Credefi Ecosystem

Credefi’s architecture is based on several modules designed to secure, simplify, and monetize the user experience. It all starts with the dashboard, where anyone can view live active loans, the nature of the collaterals, and the associated yields (up to 12% APY).

Added to this are NFT bonds that transform corporate debt into liquid assets. A tokenization of 4 million euros in corporate bonds is also in preparation, adding a layer of diversity and depth to the secondary market.

On the tokenomics side, $CREDI acts as a utility token (fee discounts), while $xCREDI provides governance rights and a yield boost. All this is framed by a robust risk management system: Experian scoring, insured collaterals, and… a flawless history: 0% default to date.

Key takeaways:

Clear and dynamic dashboard;

NFT bonds and upcoming tokenization operations;

Dual-token: $CREDI (utility) / $xCREDI (reward);

Proven security: Experian, insurance, zero default.

Why Credefi Withstands the Storm

In an industry where promises often collapse with the first regulatory storm, Credefi endures and moves forward. Its choice to work with regulated partners, have its smart contracts audited, and focus on the EU makes it a compatible institutional player.

In February, the protocol displayed an APY of 89%, proof that stability and profitability can be combined. This performance, far from speculative bubbles, is based on corporate receivables and not volatile memes.

Moreover, everything is visible on-chain, and $xCREDI holders actively participate in governance. Here, transparency is not a marketing promise; it is a fundamental mechanism.

Credefi anticipated trends: stablecoin yield, real security, regulation. The hybrid finance it embodies is becoming the norm.

Who Can Benefit from Credefi — and How?

Before launching your wallet, it’s best to know what Credefi can offer to each. Here is a quick overview.

For Lenders and Investors

Lending via the app allows earning interest in stablecoins. As a bonus, lenders receive $xCREDI, which they can then reinvest or use to govern the protocol.

For European SMEs

Simply submit an application with real collateral, such as invoices or real estate. Credefi evaluates the quality through Experian and can release funds without going through a bank.

For Token Holders

By locking $CREDI in Module X, users improve their yield and help strengthen the overall security of the platform.

Jump on the RWA Train with Credefi

2025 is the year of tokenized real assets. And while others are fumbling, Credefi is rolling out a solid, transparent, and already operational ecosystem. For those who want stable yields anchored in the real economy, the time has come. Explore current loans, test the dApp, and join a community that knows finance is not just about meaningless tokens. The future? It is already on X.

Maximize your Cointribune experience with our “Read to Earn” program! For every article you read, earn points and access exclusive rewards. Sign up now and start earning benefits.

Join the program

A A Lien copié