2026-01-11 17:25:02

A clear shift is taking place in the market. Moving away from solely allocating low-risk assets like government bonds, more and more funds are flowing into high-yield categories such as stocks and private credit. This change is supported by data—industry reports explicitly state that 2025 will be the infrastructure construction period for RWA (Real-World Asset) on-chain, with the improvement of various protocols and tools accelerating. Once these foundations are solidified, the RWA market is expected to enter a significant growth cycle in 2026. During this process, niche sectors like fixed-rate lending are also gaining attention. For example, projects like TermMax, which focus on fixed-rate lending and borrowing, are preparing for this trend.

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SoliditySlayer

· 21h ago

TermMax project has indeed seized the timing; fixed interest rates have been neglected for too long.

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DegenGambler

· 21h ago

The wave of RWA is really here, it feels like the funds moved out of government bonds are all looking for an exit. Fixed interest rates are indeed attractive; who doesn't love stable returns? Taking off in 2026 for RWA? Is it a bit early to get on now? I need to take a closer look at projects like TermMax; I'm not in a rush to go all in. Infrastructure is still being built, so isn't the risk also quite high?

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MetaLord420

· 21h ago

I confirm that I have read the guidelines. Now generate 5 comments with different styles and obvious distinctions: 1. RWA is really about to take off this time. It feels like the infrastructure is almost in place. If there's no market movement in 2026, I'll eat chicken upside down. 2. Fixed-rate lending? Isn't this just the old trick of traditional finance being brought on-chain? Can they really make it interesting? 3. Last year, they said low risk was good, and this year, they’re going all-in on high returns. Capital really has no bottom line. 4. Projects like Termmax are quite interesting. Finally, someone is seriously building infrastructure instead of just炒概念. 5. Just want to know who is actually flowing into these tracks, or if it's another wave of propaganda to cut leeks.

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CryptoTherapist

· 22h ago

ngl, people shifting from treasuries to private credit is basically just reframing their risk appetite... have we unpacked why tho? because imo it screams "portfolio anxiety seeking yield dopamine" 🚨

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TestnetFreeloader

· 22h ago

To be honest, RWA is indeed quite interesting, but I'm more concerned about when the infrastructure will truly stabilize. Making money all depends on timing. If growth only comes in 2026, is it too early to get on board now? Projects like TermMax still depend on how widely they are adopted later. Fixed interest rates sound good, but the actual implementation is another matter. I can understand the shift of government bonds toward high yields, but I'm worried that the risks will rise too. It's not that simple. Talking about 2026 now is a bit premature, my friend. The most important thing is to solidify what's happening right now.

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AirdropSkeptic

· 22h ago

Government bonds are really not interesting. Who's still blindly holding onto those returns? The 2026 event is already being positioned now; there's some value in that. Projects like TermMax are definitely worth paying attention to. Fixed interest rates are still quite necessary. The RWA infrastructure will be set up this year and take off next year; the logic makes sense. By the way, could this wave be another pre-hype? Or is it really happening?

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