Victoria d’Este
Revealed: Might 14, 2025 at 10:30 am Up to date: Might 14, 2025 at 10:31 am
Edited and fact-checked:
Might 14, 2025 at 10:30 am
In Temporary
Lumia is integrating regulatory precision with composable DeFi utility, partnering with sovereign entities, and bringing trillions in worth on-chain, aiming to rework finance right into a coded protocol.
What if the way forward for finance wasn’t in-built boardrooms, however coded into protocols? What if real-world belongings—buildings, commodities, mental property—might stream by DeFi rails as simply as stablecoins do right this moment? These are the questions Lumia is not only asking, however actively answering.
On this interview, Marina Kobiakova, CSO at Lumia, unpacks how Lumia is merging regulatory precision with composable DeFi utility, why partnerships with sovereign entities matter, and what it actually takes to convey trillions in worth on-chain.
Are you able to elaborate on how Lumia’s infrastructure helps the whole life cycle of RWAs, from tokenization to DeFi integration?
Lumia supplies complete infrastructure that covers the total life cycle of RWAs, ranging from safe and clear tokenization through Lumia Hub, supported by real-time proof-of-reserve, zk-databases, and sturdy authorized frameworks, by to finish DeFi integration.
Not like conventional RWA chains that restrict performance to fundamental token transfers, Lumia transforms tokenized belongings into composable DeFi devices, enabling lending, borrowing, leveraging, and lively market creation, thus unlocking their full potential in a decentralized financial system.
What varieties of real-world belongings are presently being tokenized on Lumia, and what standards are used for choice?
We’re presently beginning with actual property belongings, notably the Lumia Towers in Istanbul. On the similar time, we’re actively working to tokenize different asset lessons, together with mental properties (IPs), commodities, and conventional monetary devices. Our major choice criterion is figuring out belongings that profit probably the most from the improved liquidity and composability Lumia’s infrastructure supplies.
What are the first advantages of tokenizing RWAs in comparison with conventional strategies of securitization or asset administration?
The first advantages of tokenizing RWAs in comparison with conventional securitization or asset administration strategies embody enhanced liquidity, as tokenization opens historically illiquid markets and permits belongings to be traded seamlessly in decentralized marketplaces; accessibility and democratization, as fractional possession lowers entry limitations and allows broader investor participation.
Transparency and safety, since blockchain know-how supplies real-time proof-of-reserves, immutable data, and improved transparency; DeFi composability, as a result of tokenized RWAs will be leveraged, borrowed, or built-in into modern decentralized monetary merchandise, unlocking further worth and use circumstances; and value effectivity, with lowered operational overheads by automation and simplified settlement processes in comparison with conventional monetary programs.
How does Lumia guarantee compliance with world monetary laws whereas coping with RWAs?
Lumia combines automated infrastructure with skilled oversight to remain forward of the regulatory curve. On the technical aspect, we combine compliance-focused service suppliers and decentralized id protocols like Polygon ID to deal with KYC, KYB, proof-of-reserve, and credential verification in a privacy-preserving, programmable manner. We additionally apply AI-driven monitoring to flag discrepancies and monitor evolving jurisdictional necessities, lowering the overhead of guide compliance whereas bettering accuracy and responsiveness.
However know-how alone isn’t sufficient. Lumia is supported by a core authorized staff and a worldwide authorized advisory board that guides our strategy throughout completely different regulatory environments—from MiCA within the EU to pending frameworks within the U.S. and Asia. Collectively, this mixture of automation, integration, and skilled evaluation allows us to responsibly scale RWA entry whereas aligning with institutional requirements.
How does Lumia make sure the safety and authenticity of tokenized belongings on its platform?
Lumia has a rigorous course of to make sure that any asset issuer supplies a variety of information to confirm the asset itself and possession. The record of paperwork/actions that MUST be adhered to previous to the tokenization occasion consists of KYB, KYC, incorporation paperwork, proof of reserve, proof of possession, and proof of shareholders. Thereon, we’ve got audits and proof-of-reserves audit posts on-chain each quarter. All asset costs are linked to a given oracle value feed secured by Blocksense, API3, or Chainsight.
How does Lumia’s AI-driven yield administration optimize rewards by staking and yield farming?
At a excessive stage, Lumia’s AI-powered system is constructed to assist customers get probably the most out of their belongings with out having to continually monitor the market. It makes use of zero-knowledge machine studying (zkML) to scan real-time circumstances, like the place liquidity is transferring, how yields are shifting, and what the dangers appear like after which adjusts methods accordingly. Our staff is consistently refining the fashions and infrastructure behind Lumia’s AI-driven yield system to maintain up with fast-moving market circumstances.
What partnerships has Lumia shaped to strengthen its place within the RWA sector, and the way do these collaborations profit customers?
Lumia’s mission is to tokenize the whole lot and produce it on-chain, giving customers entry to a various and quickly rising universe of tokenized belongings. To attain that, we’re constructing a cross-sector basis with actual property builders, sovereign companions, DeFi infrastructure leaders, and main know-how suppliers. These partnerships are designed to ship actual liquidity, regulatory alignment, and world accessibility.
We’ve launched a $1B actual property tokenization initiative, anchored by Lumia Towers in Istanbul—one of many world’s first actual property developments each constructed and tokenized by a Web3-native firm. This challenge embodies our full-cycle imaginative and prescient of blockchain-based possession and liquidity, whereas additionally pushing its boundaries into bodily building.
Alongside this, we’re collaborating with governments to form nationwide tokenization frameworks and increasing into the U.S. market by strategic public-sector engagement. On the infrastructure aspect, Lumia integrates decentralized id, pricing, and compliance programs instantly into its core structure, making certain that tokenized belongings are accessible, verifiable, and DeFi-ready throughout a number of ecosystems.
Are you able to focus on the significance of integrating with main CEXs, DEXs, and aggregators for Lumia’s progress?
CEXs and DEXs drive liquidity and alternative within the area. We imagine it’s paramount to combine these programs and permit LPs to take place in RWAs past easy buying and selling avenues to earn a yield. RWAs want these alternatives and liquidity to boost its utility on-chain and extra utility on-chain extra probability of being built-in into DeFi thus having in-flow of capital. We have now to construct alternatives and autos round RWAs, integration of CEX/DEX is paramount to reaching this purpose.
How does Lumia plan to scale its operations to accommodate the anticipated progress within the RWA market?
We’re chasing a number of licenses and alternatives with sovereign states to tokenize belongings at a big scale and produce utilities to the in any other case idle and non-liquid belongings. We’re rising and enhancing our Lumia Stream liquidity community to align the liquidity layer with upcoming alternatives on-chain.
This enables us to scale our liquidity necessities by opening LP service to anybody keen to do KYC on the similar time construct DeFi utilities round incoming RWAs on Lumia. We proceed to push the boundaries round utility for RWA tokens as this can be a key function in bringing billions of {dollars} on-chain.
What are the important thing milestones in Lumia’s roadmap for this 12 months?
Finish of Q2 we wish to obtain the zkProver Community which is able to enable us to decentralize our zk proving capabilities. Following zkProver our subsequent foal is to decentralize our DA efforts. We’re early Q3 to plug and play towards AvailDA and permit anybody with “node sale” NFT to stake and confirm knowledge for the Lumia chain, once more democratising the chain additional.
Following DA, by the top of Q3 we wish to decentralize shared sequencers. As with every L2 we began with a centralized sequencer however to turn into a very “stage 2” roll-up we’ve got decentralized this part. Lastly, for This autumn we wish to velocity up block down from present 3 secs to 250ms to attain fast and responsive UX on Lumia itself.
What particular industries or sectors do you see as probably the most promising for RWA tokenization within the close to future?
We see actual property, personal credit score, commodities, bonds, and minerals as probably the most promising sectors for RWA tokenization. These markets are historically illiquid and fragmented, so tokenization can unlock new liquidity, enhance entry, and create extra versatile funding alternatives.
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About The Writer
Victoria is a author on quite a lot of know-how subjects together with Web3.0, AI and cryptocurrencies. Her intensive expertise permits her to jot down insightful articles for the broader viewers.
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Victoria d’Este
Victoria is a author on quite a lot of know-how subjects together with Web3.0, AI and cryptocurrencies. Her intensive expertise permits her to jot down insightful articles for the broader viewers.
