At Matrixdock, we are pioneering real-world asset (RWA) tokenization in Asia with a clear mission: to bring transparency, efficiency, and inclusivity to financial markets. Our approach is simple yet transformative—we bundle an asset’s intrinsic value with cutting-edge blockchain technology to create programmable financial primitives, which we call "money LEGOs." These modular building blocks power a transparent, efficient, and on-chain financial ecosystem that is poised to redefine capital markets.

But we are not stopping there. The next wave of financial evolution will be driven by AI-powered economies, and we are ensuring that tokenized assets are AI-compatible—enabling smarter investment decisions, enhanced automation, and unprecedented capital efficiency. As the leader in RWA tokenization, we are taking a major step in shaping this conversation, forging a future where finance is open, intelligent, and fair.

Transparency: The Foundation of an Efficient Financial System

The 2008 Global Financial Crisis exposed the risks of opaque financial structures and excessive reliance on intermediaries. Transparency is deeply ingrained into Matrixdock’s DNA as an innovator. Unlike traditional finance, which often operates in siloed and inefficient systems, we leverage blockchain and smart contracts to eliminate unnecessary layers and streamline asset ownership and settlement.

Our "money LEGOs" encapsulate the true value of real-world assets, allowing users to construct financial structures that serve their needs directly on-chain. By doing so, we create an open financial infrastructure where every transaction is verifiable, it reduces conventional counterparty risk.

AI: The Catalyst for Smarter Finance

Artificial intelligence has already transformed industries worldwide, and its impact on finance is inevitable. Rather than replacing human decision-making, AI - when integrated with blockchain technology- will enhance financial intelligence by improving risk assessment, optimizing asset allocation, and streamlining investment processes.

Tools like DeepSeek and ChatGPT have already made AI-driven insights widely accessible, and we anticipate AI will play a crucial role in wealth management sooner than expected. At Matrixdock, we are developing AI-compatible RWAs within an open ecosystem powered by APIs. APIs, or Application Programming Interfaces, are bridges that enable different systems and applications to communicate. Think of them as LEGO connectors that link various financial building blocks, allowing AI to enhance and expand functionality within blockchain-based financial infrastructure. This integration unlocks new levels of efficiency, automation, and intelligence in digital asset management. This will enable:

• Optimized Investment Strategies: AI-driven algorithms will refine value selection, risk assessment, and portfolio management.
• Automated Risk Mitigation: Intelligent systems will provide predictive analytics, reducing exposure to market volatility.
• Scalable, Smart Financial Infrastructure: AI-powered protocols will dynamically adjust to market conditions, ensuring continuous liquidity and efficiency.

As AI continues to evolve, regulators, developers, and institutions must collaborate to ensure its safe integration into the financial ecosystem. We are committed to leading this charge, shaping an intelligent, compliant, and adaptive tokenized economy.

The Tokenization Journey: From U.S. Treasuries to Gold

Matrixdock was launched in 2023 as a visionary strategic initiative of our parent company, Matrixport—a leading force in crypto finance in Asia with an AUM of $6 billion. Recognizing the increasing demand for real-world assets on-chain, we positioned Matrixdock as the bridge between traditional finance and blockchain innovation.

The Rise of STBT: Tokenized U.S. Treasuries

In 2023, amid high inflation and 5% U.S. Treasury yields, we became the first in Asia to tokenize U.S. Treasuries. Our Short-Term U.S. Treasury Bill Token (STBT) achieved a remarkable $120 million AUM within 12 months. Initially serving accredited investors, STBT has since evolved into a foundational building block for stablecoin issuers and DeFi protocols, proving that tokenized assets are more than just buy-and-hold instruments—they are the infrastructure for next-generation finance.

XAUm: The Gold Renaissance

In 2024, we expanded our vision to tokenized gold with the launch of XAUm. Gold has long been a trusted store of value, yet traditional gold markets remain opaque, with concerns over reserve audits and market manipulation. XAUm addresses these challenges by ensuring direct ownership and real-time reserve verifiability on blockchains. More importantly, XAUm’s physical gold reserve undergoes an independent audit by a reputable auditing firm, Bureau Veritas, on a quarterly basis, and the audit report is published on our website to ensure further transparency on the physical asset level.

Beyond transparency, XAUm stands out for its ability to provide immediate liquidity for large-scale gold transactions. Leveraging Matrixdock’s direct access to a global network of refiners, we can fulfill substantial physical gold orders within the same day, offering token holders superior pricing and market depth. For instance, during the recent physical gold supply crunch, we were able to procure US$10 million worth of 99.99% LBMA-accredited gold bullion directly from our refinery partners within 24 hours. This rapid execution highlights our capability to efficiently bridge traditional gold markets with digital asset infrastructure, ensuring institutional-grade liquidity and accessibility.

As the first gold token with interoperability within the DeFi ecosystem, XAUm is available in ERC-20 and NFT formats, making gold Web3-compatible. It can be stored in digital wallets, used as collateral, or even staked for yield, transforming gold from a passive asset into a multi-functional component of on-chain finance. This also unlocks new liquidity avenues for traditional market makers, establishing XAUm’s role in institutional markets.

These capabilities arrive at a critical moment—as cracks appear in the paper gold market and central bank reserves face scrutiny, tokenization is emerging as a verifiable, auditable, and efficient alternative. Could tokenized gold set a new gold standard? We believe so, and XAUm is leading the way.

Matrixdock’s Vision: Tokenization + AI = The Next Financial Paradigm

Tokenization technology has been gaining traction since 2017, but what sets Matrixdock apart is our relentless focus on the why and how of tokenization. We are not just digitizing assets; we are enhancing them with programmability, interoperability, and AI integration.

Our money LEGOs are designed with embedded APIs, allowing AI-driven systems to interact with tokenized assets dynamically. Think of it as an RWA function upgrade. With these intelligent money LEGOs, the financial ecosystem will evolve into an AI-optimized landscape where:

• AI agents autonomously analyze and optimize portfolios
• Capital efficiency reaches unprecedented levels
• Risk management becomes predictive and automated

These AI-compatible RWAs open new use cases for institutional investors, asset managers, and DeFi applications.

For example:

• An AI-assisted asset manager could use Matrixdock’s AI-compatible RWAs to dynamically adjust treasury management and portfolio allocations based on real-time risk assessments and market conditions.
• Hedge funds could leverage AI-powered insights to optimize liquidity provisioning and yield-generating strategies on-chain.

We envision a future where financial assets are not only tokenized but also intelligent. Humans use AI to create more efficient and inclusive finance.

Join Us in Shaping the Future of Finance

The convergence of AI and tokenization will redefine financial markets. At Matrixdock, we are not just following the trend—we are leading it. By pioneering AI-integrated RWAs and programmable financial infrastructure, we are building the foundation for a more sustainable, efficient, and intelligent financial system.

We invite partners and industry leaders to join us on this journey. Together, we will unlock the full potential of real-world asset tokenization and shape the next era of smarter finance.