Victoria d’Este
Revealed: November 07, 2025 at 9:49 am Up to date: November 07, 2025 at 9:49 am
Edited and fact-checked:
November 07, 2025 at 9:49 am
In Transient
Polygon Labs is bridging conventional finance and Web3 by constructing the infrastructure that makes stablecoins and tokenized property usable at scale—making a future the place shifting worth is as seamless as sending an e mail.
Polygon Labs is positioning itself on the middle of the convergence between conventional finance and blockchain. On this interview, Aishwary Gupta, World Head of Funds and RWA, discusses how Polygon Labs is constructing the infrastructure to make stablecoins and tokenized property really usable at scale, from enabling immediate, low-cost international funds to supporting institutional adoption of RWAs. He shares insights on regulation, partnerships, and the following section of blockchain-based monetary methods, the place shifting worth turns into as seamless as sending an e mail.
Might you please introduce your self and share your journey to Web3?
Earlier than leaping into web3, I labored in funds and treasury administration at American Specific, which gave me a deep understanding of how legacy methods work, and the place they don’t. Funds are gradual, fragmented, and costly for on a regular basis individuals – particularly cross-border.
In 2021, I took a leap of religion and joined Polygon as the primary full-time DeFi rent. I had by no means labored in enterprise improvement earlier than, however given what I’d seen in TradFI, I knew this was the longer term I needed to assist construct.
From there, I arrange the Funds vertical – first inside DeFi and later as its personal standalone unit. My mission was to make stablecoins and digital property genuinely usable in actual economies as infrastructure that solves precise issues for customers, companies, and establishments.
How do you see the position of stablecoins evolving as a bridge between conventional and decentralized finance?
Stablecoins are beginning to operate like programmable, international cash, and that’s a game-changer. They’re paving the way in which for money that may transfer 24/7, settle in seconds, and plug into each shopper apps and institutional methods. We’re seeing them allow immediate, low-cost, borderless transactions in ways in which conventional rails can’t match. That is occurring throughout international remittances, the place households can ship cash with out shedding important worth to charges, in addition to cross-border funds and B2B settlements, the place companies are chopping days off their fee cycles. What’s modified dramatically is that establishments now have the regulatory readability and infrastructure to take part at scale.
What traits within the RWA tokenization house are at the moment shaping up as probably the most impactful for institutional adoption?
Tokenized Treasuries and Extremely-Liquid Devices: Establishments are gravitating towards tokenized variations of high-quality, extremely liquid property (e.g., short-term authorities bonds or money-market model funds). These merchandise symbolize a transparent “first wave” of institutional use-cases within the RWA house.
They provide yield, transparency, and settlement effectivity.
They act like “digital money equivalents” on-chain, which makes them interesting as each treasury holdings and collateral.
Their adoption builds institutional consolation with the mechanics of tokenization (custody, settlement, audit) earlier than shifting into extra complicated asset lessons.
Infrastructure & Community Results Matter — Charges, Finality, Ecosystem: The asset alone isn’t sufficient — adoption follows settlement plumbing and liquidity rails. For establishments to make significant allocations into tokenized property, the platform should ship:
Low transaction prices and quick finality (lowering operational friction)
Sturdy custodial, regulatory, and audit frameworks
Rising ecosystem of secondary markets, liquidity channels, and standardised protocols
On this context, chains like Polygon (low charges, EVM-compatible) or devoted RWA rails acquire significance as a result of they create the “deep, sustainable markets” establishments search.
Regulatory Readability & Compliance Readiness: Institutional buyers can not function in an surroundings of authorized ambiguity. Tokenized property demand clear frameworks round issuance, custody, switch restrictions, KYC/AML, and redemption mechanisms.
Usability & Actual-World Use-Circumstances Past Yield: Whereas yield-bearing tokenised treasuries are early winners, the following frontier is usability: how simply tokenised property combine into institutional workflows and broader ecosystems (collateralisation, programmable finance, on-chain liquidity). Key aspects embrace:
In your view, which sectors would be the first to broadly undertake tokenized RWAs — actual property, commodities, or treasury property?
Treasuries are already there. They’ve clear regulation, constant demand, and a easy threat profile. That’s why billions are already flowing into tokenized T-bills and MMFs.
Commodities will observe shortly. At Polygon, we now have a majority market share of non-USD stablecoins, and our infrastructure also can help commodity tokenization.
Actual property is going on, however in lots of areas, it’s going to take longer as a result of the authorized buildings are extra complicated and range considerably by jurisdiction. However as these frameworks mature, we’ll see institutional capital circulation into tokenized property as properly.
How has the regulatory surroundings round stablecoins influenced institutional confidence in utilizing them for funds and settlements?
Truthfully, it’s modified every thing. 4 years in the past, stablecoins have been caught in a regulatory gray zone, and establishments have been watching from the sidelines. Immediately, they’re constructing in-house packages, and MiCA in Europe has established a transparent licensing regime that firms function underneath. Within the U.S., laws just like the GENIUS Act has given fee suppliers and fintechs the boldness to maneuver ahead with deliberate implementations.
That’s additionally why infrastructure has to evolve. Establishments want infrastructure that may help their scale and safety necessities. Polygon permits this by way of our confirmed expertise stack and, more and more, by way of customizable networks by way of the Polygon CDK, which might be tailor-made to particular regulatory necessities, whether or not it’s privateness, KYC, or jurisdiction-specific compliance. It’s not about “public vs non-public” blockchains however purpose-built infrastructure.
What’s the long-term imaginative and prescient for Polygon’s involvement in connecting conventional monetary rails with Web3-based fee methods?
The long-term imaginative and prescient is straightforward – allow everybody to maneuver cash like we transfer info, quick, low-cost, international, and programmable.
We’re targeted on constructing infrastructure for fintechs, fee service suppliers, and banks that need the effectivity of blockchain with out sacrificing compliance or consumer expertise. This implies sub-cent transaction charges, near-instant settlement, and the power to scale to lots of of 1000’s of transactions per second.
By the AggLayer, we’re creating unified liquidity throughout chains in order that shifting worth feels so simple as sending an e mail. Customers shouldn’t have to consider which chain they’re on or easy methods to bridge property.
Might you share some present or upcoming partnerships Polygon is exploring to develop RWA integration?
We’re actively working with asset managers on tokenized cash market funds and with authorities entities, such because the state of Wyoming, on their blockchain initiatives. Our collaboration with Securitize enabled BlackRock’s BUIDL fund to launch on Polygon.
On the enterprise facet, we’re supporting tasks like Libre, which is utilizing Polygon CDK to construct devoted infrastructure for various funding tokenization, with companions together with Brevan Howard and Hamilton Lane.
We’re additionally increasing partnerships in funds to be used instances starting from stablecoin transfers to cross-border B2B settlements.
What are the most important limitations stopping international fee networks from absolutely adopting stablecoins?
Many jurisdictions nonetheless lack clear frameworks for KYC/AML compliance and for dealing with overseas change dangers in stablecoin transactions. As that readability emerges, adoption occurs.
Consumer expertise stays a hurdle. Pockets administration, key custody, and fiat on- and off-ramps might be complicated. Customers shouldn’t want to know gasoline charges or blockchain mechanics to ship a fee.
Most significantly, infrastructure should match the standard fee scale. Fee networks want blockchain infrastructure able to Visa-level throughput with constant sub-second finality. At Polygon, we’re working towards the technical functionality to scale to 100,000+ TPS as demand grows.
How do Polygon’s options tackle consumer expertise and accessibility challenges that usually restrict stablecoin adoption?
We’re targeted on eradicating blockchain complexity from the consumer expertise. This implies gasless transactions by way of account abstraction, seamless fiat on/off ramps by way of partnerships with platforms like Stripe and Revolut, and unified cross-chain experiences by way of AggLayer. Our partnerships with main fee gateways imply customers can entry stablecoin performance by way of interfaces they already know and belief. The aim is that customers work together with purposes, not blockchains.
How do you personally outline the “subsequent leap” for blockchain-based monetary methods?
The following leap occurs when blockchain infrastructure turns into invisible. We’ll know we’ve arrived when tokenized treasuries, commodities, and actual property are traded with the identical liquidity and much better effectivity than their conventional counterparts.
What milestones ought to we anticipate from Polygon’s funds and RWA initiatives in 2025?
We’re increasing our partnerships optimized for funds use instances throughout Latin America, Europe, and Asia-Pacific, and scaling our ZK expertise to deal with mainstream fee volumes.
You’ll see us deepen our RWA focus not simply on asset issuance, however on utility and distribution, in order that tokenized property are maximally productive by way of DeFi integrations and institutional-grade infrastructure.
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About The Writer
Victoria is a author on quite a lot of expertise matters together with Web3.0, AI and cryptocurrencies. Her in depth expertise permits her to put in writing insightful articles for the broader viewers.
Extra articles
Victoria d’Este
Victoria is a author on quite a lot of expertise matters together with Web3.0, AI and cryptocurrencies. Her in depth expertise permits her to put in writing insightful articles for the broader viewers.
