Why It Matters in DeFi

RWAs already represent billions of dollars in value, but today most of that capital sits idle in the wallets of holders with limited onchain utility. Tokenization has made RWAs tradable 24/7, yet support for lending or borrowing remains limited.

RWA holders who want liquidity face an uncomfortable choice: sell their assets and lose future yield, or hold and miss DeFi opportunities. Meanwhile, crypto-native users lack access to stable, non-correlated RWA yields within a single lending market.

Zona closes this gap by bringing secure lending and borrowing to both RWAs and crypto-native assets on Pharos:

• •For RWA holders: unlock capital efficiency on tokenized treasuries, equities, commodities, and real estate without selling. Simply borrow against your collateral while continuing to earn underlying asset yield.
• •For lenders: earn risk-adjusted yield from borrower demand across a diversified set of collateral types.

Zona gives RWA and crypto-native asset holders a single, efficient platform to lend, borrow, and put idle capital to work, bridging traditional finance and DeFi.