Telegram AMA 2
August 3, 2025
SERCAN : Hello dear Matrixians! ❤️
Welcome back to a brand-new episode of our Telegram AMA series! As your Head of Community and as a proud Matrixian myself, I’m genuinely excited to be here with you once again.
The amazing energy and interest you brought to our last AMA was the biggest motivation for us to keep this series going.
Especially Matrix’s strategic positioning in Hong Kong, its ambition to become an infrastructure provider for stablecoin issuers, as well as for institutions, companies, and individual investors who hold Real World Assets (RWAs) and plan to utilize tokenization, has generated great curiosity, excitement, and anticipation within our community.
In today’s session, we’ll take a deeper look behind the scenes. We will both gain a better understanding of how this technology works and explore the details of Matrix’s ambitious journey in this field together.
Once again, we’re joined by someone who plays a key role in shaping Matrix’s vision our CMTO, Eric. ❤️We’ve prepared a solid lineup of questions, and I’m confident Eric’s insights will not only shed light on the technical side, but also explain why Matrix is truly building the rules of the game in the world of RWA.
So buckle up!
This session is about to dive deep into the dynamics of the RWA world, the strategic advantages of Hong Kong in the global financial arena, Matrix’s strong infrastructure vision for RWA and of course, the critical role MAN Coin plays in this ecosystem!
At the end of our AMA, we’ll have an open Q&A session where you’ll get the chance to ask our CMTO, Eric, your own questions live.
Welcome Eric, If you’re ready let’s begin!
MATRIX CMTO ERIC : Yes
SERCAN : Let’s kick things off with a topic that everyone’s talking about but not everyone fully gets: Real World Assets, or simply RWA.
It’s not just the latest buzzword it’s actually one of the most powerful ways blockchain is connecting with the real world. So let’s start by understanding what RWA actually is, and why it has become such an important part of the conversation. The first question is coming..
Q1- What exactly are Real World Assets (RWA) and why are they considered a game changer in blockchain finance?
Over to you, Eric!
MATRIX CMTO ERIC : Hi everyone, last week, we had a TG-based AMA featuring stablecoins. With this base, it gets easier to know about RWA.
Real World Assets (RWAs) are things you can touch or legally own off-chain—like real estate, fine art, wine, gold, or even traditional financial instruments like bonds.
When we talk about “tokenizing” these RWAs, we mean creating a digital version of them on the blockchain that represents legal rights or value tied to the actual asset.
Why are RWAs a game changer?
Number 1 is Unlocking Value from Illiquid Assets
Traditionally, many high-value assets like commercial real estate or rare art are hard to buy, sell, or divide. Blockchain turns these into 24/7 tradable digital tokens, making it possible for someone to own a fraction of a $10 million building—or a rare $100K whisky bottle.
Number 2 is Lowering Barriers to Entry
Before, only the ultra-wealthy could access things like private equity or rare collectibles. With RWAs, fractional ownership means anyone can participate—even with just a few hundred dollars. Anyone can be part of those top 1% rich to own something in fractions.
Number 3 is Programmable Finance = Automation & Efficiency
Smart contracts automate everything from dividend payouts to auction sales. This reduces paperwork, middlemen, and errors.
Matrix AI Network’s intelligent contracts can automatically distribute rental income, manage storage for collectibles, or trigger insurance renewals based on real-time asset data.
Number 4 is Global Accessibility
Blockchain has no borders. So RWAs allow an investor in New York to co-own a warehouse in Shenzhen or a painting stored in Hong Kong’s freeport—without needing to fly over.
And with Hong Kong regulation + Matrix’s tech, We’re rebuilding finance from the ground up. We do not have all solutions readily available, but we are clear what we can do leveraging what we have done before.
that is something I like to share about this question. It is good that we have new members coming in for this AMA. Bravo
SERCAN : Yes. Interest is high. I think the participants will challenge you a bit with their questions. 🙂
Eric, as always, that was a clear and visionary explanation. 🙌
As we’ve seen, RWA is not just a tech trend; it’s one of the real bridges between decentralized finance and the real economy.
Your clear and powerful summary of RWA has, I believe, erased a lot of questions many people had. Thanks. Let's continue with the second question.
Of course, there are some obstacles ahead for every new technology. Challenges also exist in integrating RWAs with blockchain.
Q2- Eric, What are the main challenges in integrating RWAs with blockchain technology, and how does Matrix AI Network address them?
MATRIX CMTO ERIC : Good question. Innovation is always ahead of regulation. Being visionary is key.
Every real-world asset sits in a legal environment—real estate has titles, bonds have issuers, collectibles need proof of ownership. Blockchain doesn’t magically remove those obligations.
Plus, regulators (like in Hong Kong, Singapore, or the US) demand compliance frameworks, e,g KYC
Matrix’s Solution:
BioKYC module: Combines AI with biometric data for deep AML compliance.
Every tokenization module, like TokenFactory, is hardwired to align with legal processes, not bypass them.
Still remember our BioWallet? Finger Vein?
SERCAN : Yes.
MATRIX CMTO ERIC : Many tokenized assets are hard to sell quickly. If you hold a fraction of a whisky cask or a real estate stake, how do you cash out?
Matrix’s Solution (to build):
● RedemptionEngine: Think of it as an automated liquidity pool for RWAs. It enables "fragment-to-whole" exits—letting you sell your share back or trigger on-chain auctions.
● AuctionHouse: Offers Dutch and English-style auctions with anti-collusion tech, bringing fair liquidity to rare assets.
Most asset owners (like art collectors or property developers) don’t code smart contracts or know how to launch tokens.
Matrix’s Solution (to build):
● One-click deployment modules: Launch a RWA token, governance DAO, and yield distribution in minutes—no dev team required.
● SDK and plug-ins: Developers can integrate Matrix tools into wallets or platforms.
How do you know the asset is real? Or that you’ll actually receive rental income, auction proceeds, or exit rights?
Matrix’s Solution (to build):
● All contracts are Intelligent Contracts, not just static code. They track real-world inputs, and enforce logic like:
“If rent received → distribute; if no valuation update → freeze sale.”
● Encrypted data vaults ensure appraisal records, insurance info, and legal docs are tamper-proof and linked directly to tokens.
These are the 4 challenges that i can see and what is in the pipeline to build or already built.
SERCAN : Those were very valuable insights, Eric thank you. 🙏
As our community has noticed, Matrix doesn’t just provide solutions; it also simplifies the complexity in the industry.
One of the things we’re all curious about is the boundaries of what assets can be tokenized. Or is there really even a limit?
Q3- Eric, What types of assets can be tokenized on Matrix’s platform are there limits or particularly promising asset classes?
Over to you.
MATRIX CMTO ERIC :
Examples include:
● Real estate
● Fine art & collectibles
● Rare assets (e.g., vintage whisky)
● Bonds, commodities, and more
Technically, almost any asset can be tokenized — but Matrix prioritizes assets with:
Clear legal ownership (e.g., deeds, certificates).
Professional valuation (appraisers, market data).
Strong custody/insurance (e.g., Hong Kong Freeport storage for art).
Yield potential or liquidity demand (otherwise, why tokenize?).
Are There Any Limits? Yes
Not suitable for:
● Purely speculative NFTs with no utility or backing
● Assets without third-party appraisal or storage
● Markets where token ownership cannot legally represent rights (some jurisdictions)
that is my answer.
SERCAN : Really exciting.. A wide range, from real estate to finance!
Matrix’s will flexible infrastructure really makes a difference here. Thanks, Eric.
By the way, real estate and commercial enterprises is my favorite! 😎
What types of assets do you find most exciting to tokenize, Matrixians? Let’s do some brainstorming after the AMA…
Tokenization is not just about technology. Governance is also very important. This is where DAOs come into play.
Q4- Eric, Could you share with us how decentralized governance models (DAOs) bring transparency and fairness to the management of RWAs? Over to you.
MATRIX CMTO ERIC : This is a core innovation Matrix AI Network brings to the table—transforming RWA ownership from passive investment into active, community-led governance.
A DAO (Decentralized Autonomous Organization) is a smart contract–driven system where decision-making power is held by token holders, not centralized managers. It lets you vote on key decisions about a real-world asset—like when to sell a property, where to exhibit a piece of art, or whether to renew insurance for a whisky vault.
The beauty lies in:
No hidden decisions. Every vote, every proposal, every fund movement is recorded on-chain. Anyone can audit it.
Anyone holding tokens can participate—no need to be a wealthy board member or institutional insider. This democratizes access to decision-making.
Example: A fractional owner of tokenized real estate can vote on renovation budgets or timing of asset exit—directly from their Web3 wallet.
Matrix DAOs are compliant by design. For example Weighted voting aligns with Hong Kong’s Virtual Asset Guidelines (Chapter 8)
that is my thoughts about this question.
SERCAN : DAOs are structures where trust is being redefined in the future of finance. That’s exactly why we place so much importance on decentralization. Matrix’s vision in this area is truly inspiring. Thank you, Eric. 🙌
Just like governance, security and automation are also crucial topics. Now let’s take a closer look at the role of smart contracts in this ecosystem.
Without smart contracts, automating RWA processes seems nearly impossible. This technology sits right at the core of it all.
Q5- Eric, Could you walk us through the technical side of this? What role do smart contracts play in automating and securing RWA transactions and asset management?
MATRIX CMTO ERIC : Smart contracts are the engine room of Matrix AI Network’s infrastructure. They don’t just automate—they enforce logic, secure ownership, and eliminate middlemen in managing real-world assets.
But Matrix takes it a step further with what it calls Intelligent Contracts—a more advanced and responsive version. Do you still remember Intelligent COntract that released before? now you see its role
SERCAN : Intelligent Contract Platform🤩
MATRIX CMTO ERIC : Let me give you examples.
“When rent is received → distribute to token holders proportionally.”
● In real estate: rental income, property taxes, and fees are automatically calculated and paid
● In bonds/funds: yield is streamed in real time, not monthly or quarterly
● In collectibles: auction revenue is distributed per wallet, instantly
“If DAO votes YES, trigger asset sale.”
● Contracts handle proposals, voting, execution, and documentation
● No waiting for legal teams or emails—DAOs govern in real time
● Everything is recorded, timestamped, and enforceable by code
Our Intelligent Contract can achieve
● No delays, no errors
● No need to trust intermediaries
● Tamper-proof records
● Scalable to thousands of users and assets
for more details about Intelligent Contracts, please refer to our Gitbook where stores everything. that is my sharing.
SERCAN : Our Gitbook : https://docs.matrix.io/intelligent-contract
This automation isn’t just about speed it also means trust, traceability, and cost efficiency.
Matrix is truly taking things to the next level here. Thanks to Intelligent contracts, we eliminate intermediaries and make transactions transparent, fast, and secure. Thank you for the detailed explanation, Eric.
And let’s not forget Matrix’s Intelligent Contract technology, it’s a significant step beyond traditional smart contracts. It simplifies everything for users by removing the need to write or understand code.
Regulations are definitely the most complex part of this process but Matrix addresses this challenge with powerful, purpose-built modules.
Q6- Eric, What key tools and modules does Matrix offer for seamless real world asset tokenization, and how do they simplify complex regulatory requirements? Over to you…
MATRIX CMTO ERIC : This is an insightful question.
Since we just mentioned Intelligent Contract and I start with it..
We can have intelligent contract to ;
● Read price feeds, market activity, and behavioral data
● Adapt contract logic (e.g., dynamic yield, automatic liquidation)
This helps issuers and investors optimize without manual input.
And since I mentioned about Bio Wallet, this would be the second..
● Deep anti-money laundering (AML) monitoring
● Integrates with wallets for seamless UX
The biowallet further enhances the KYC level without sacrificing user experience.
Third is TokenFactory (to build) ;
It allows issuers to mint security tokens tied to real-world assets—like property, whisky, or bonds, with features like:
● Dual support for ERC-3643 (compliant tokens) and ERC-4626 (vault-based assets)
● Configurable rules for dividend, liquidation, and redemption
Fourth is Fractional DAO that I shred in previous question.
It allows multiple investors to govern a shared asset—like a property, whisky bottle, or art piece, with features like :
● Proposal system
● Weighted voting
● Auto-execution via Intelligent Contracts
● Multi-role permissions (Observer, Proposer, Governor)
This turns static ownership into programmable governance.
Fifth is the RedemptionEngine (to build), which handles exits for
investors—either via fragment-to-whole buyback or on-chain listing for sale.
Features:
● Dynamic liquidity pool logic
● Reverse aggregation for fractional assets
● Auto-match with buyers
This complies with investor protection laws by guaranteeing exit mechanisms—key for tokenized securities.
Sixth is AuctionHouse (to build), which enables primary and secondary market auctions for RWA tokens.
Features:
● Dutch & English auction modes
● Auto-distribution of proceeds via smart contracts
It provides a compliant way to raise capital, sell token shares, and onboard retail users into RWA markets.
these are quite comprehensive. and back to you Sercan.
SERCAN : Bio-wallet technology is finally stepping into the spotlight and I couldn’t be more excited! 😎
Matrix's modular structure will provide significant convenience for developers, businesses, and individuals alike. It will alleviate both technical and legal burdens. It's truly impressive!
This next question is a bit special, and I’m sure everyone, like me, is really curious about it.
It might even be my favorite question. As you know, there are many RWA projects out there, and many more to come.Because there will be many assets to be tokenized.
Q7- Eric, When institutional investors and developers consider compliance, interoperability, and technology, why should they choose Matrix over other RWA platforms? Could you share your thoughts with us?
MATRIX CMTO ERIC : A difficult and sensible question.
First is of course our AI optimised Matrix chain.
● 12,000 TPS and sub-second confirmation = enterprise-grade throughput.
● Intelligent Contracts that learn and adapt—e.g., adjusting yield logic or triggering insurance alerts.
● Tokenization toolkit that automates: issuance, compliance, governance, exits, auctions.
Second is interoperability.
Institutions don’t want walled gardens—they want systems that plug into their existing stacks.
Matrix will provide modules (like TokenFactory, RedemptionEngine) that can be embedded in third-party wallets, fintech dashboards, or broker platforms
● Web3 Wallet Ready: will integrate with MetaMask and other major wallets
Third is Compliance.
Most platforms add compliance after launch. Matrix starts with it. examples are:
● BioKYC module: Combines AI for fully automated KYC/AML screening.
● DAO governance is regulatory-aligned: Roles, weighted voting, and access layers mirror actual board governance structures, not crypto anarchy.
While others talk about RWA potential, Matrix delivers:
● For institutions: A bio-KYCed, liquid, and high-yield entry into tokenized assets.
● For developers: A stack that turns complexity into one-liners.
That differentiate us from others.Now, we are one hour.
SERCAN : I honestly lose track of time while reading these updates everything is so exciting!
It’s not just about issuing tokens; compliance, security, and scalability are absolutely critical.
Matrix is one of the rare platforms that truly considers both developers and institutional players offering a high-performance chain and solid, future-ready technologies. 💪
It doesn’t just deliver technology it offers a vision for enterprise-grade compliance, security, speed, and scalability. The difference is clear, and Eric, you highlighted Matrix’s uniqueness perfectly. Thank you!
Let's move on to the power at the center of the MATRIX ecosystem: MAN Coin.
MAN Coin is a value we all follow closely as investors. It's not just a coin, it's the heart of Matrix. ❤️
Q8- So, Eric, What specific role does MAN Coin play in Matrix’s RWA tokenization ecosystem, and how will it power platform operations? Over to you.
MATRIX CMTO ERIC : This is a core question. When we build, we want to expand the use case of MAN. Just like RWA is a use case for stablecoin according to the Policy 2.0 in Hong Kong.
Every time you mint an RWA token, participate in a DAO vote, or run an auction on Matrix—you pay MAN.
Fee Structure (to be finalized):
● Transaction fee (ultra-low gas)
● 0.5% platform fees on key actions like:
Asset token creation
Auction listing
Governance proposals
These fees ensure sustainable revenue—and are used to power the buyback and burn mechanism, creating long-term scarcity.
MAN holders can:
● Propose and vote on protocol upgrades
● Participate in FractionalDAO governance for tokenized assets
● Earn additional voting weight through staking
Essentially,
● More MAN = more influence in decision-making
● Staking MAN gives you enhanced governance rights and yields
Example: A DAO vote to sell a real estate tokenized asset will weigh votes by MAN holdings + asset tokens.
Every smart contract and module on Matrix—from BioKYC to RedemptionEngine—is powered by MAN at the backend. Think of it like AWS credits for running blockchain infrastructure.
● BioKYC verification = MAN fee
● TokenFactory issuance = MAN fee
● RedemptionEngine liquidity operations = MAN-based triggers
I believe there are more scenarios in RWA tokenisation that can use MAN, when we get into the development of it. RWA is HUGE, so even few MAN used in every action/transaction, it means a lot, that increase the demand for MAN
I hope you are more clear on this aspect. shall we proceed to next?
Since time is already one hour, let make next question the last in this AMA.
SERCAN : It was great to hear once again just how multifaceted MAN Coin’s role is. MAN being at the center of the ecosystem means a lot to our community as well.
Thank you, Eric because this will add real value to MAN and make us, the committed investors, happy.It’s also reassuring and exciting to know that our project can generate revenue.
Alright Matrixians, we’ve reached our final question. Technology is key, but cost efficiency is what truly drives adoption.
Q9- So, What operational cost advantages can a company leveraging MATRIX’s infrastructure gain compared to traditional methods? Eric, what can you tell us about this?
MATRIX CMTO ERIC : Good question and this complete the early question about why choosing Matrix. to answer this question, let me give you an example.
Tokenizing a $1M Painting: Matrix vs Christie’s
Traditional Auction House (Christie’s/Sotheby’s)
Seller Commission: 15–25% of hammer price ($150K–$250K).—> this is HUGE
Buyer’s Premium: 20–30% paid by purchaser → reduces demand.
Insurance: 1–3% of insured value ($10K–$30K).
Logistics: Shipping + storage = $15K–$50K.
Time: 6–12 months from consignment to payout.
Total Cost: $175K–$330K (17–33% of asset value).
Matrix’s AuctionHouse + RWA Stack
Minting Fee: 0.5% via TokenFactory → $5K.
Auction Fee: 0.5% of sale price → $5K.
Gas/Operations: Near-zero (MAN tx fees) → ~$10.
Instant Payout: Settled in HKD stablecoins → 0 days wait.
Total Cost: $10,010 (1% of asset value).
Savings: $165K–$320K (96–99% cheaper).
Key advantage:
No Middlemen Commissions
● Auction houses take 15–25% → Matrix takes 0.5%.
● Why: Automated auctions (AuctionHouse) + no physical events.
Zero Illiquidity Risk
● Christie’s: 30–50% chance of no-sale → asset stuck + costs accrue.
● Matrix: Redemption Engine buys tokens instantly → 100% exit guarantee.
Time = Money
● Traditional: 6–12 months (consignment → auction → payout).
● Matrix: List → Sell → Cash out in 3 days.
Now you should have a clear picture on cost advantage comparing against traditional way with RWA and with Matrix's technology (built and to build)
By now, the whole report of RWA has been published. Pls do take some time to read thorough for it.
That is the end of first part of this AMA. I am sure you will have questions and I will leave the floor to Sercan and all people here. I will then choose questions to answer from your submission.
SERCAN : Eric, you've summarized this critical point beautifully.❤️
Not only technology but also high efficiency is one of Matrix's strengths. Its cost advantage offers a significant opportunity for scalability. This concludes the first part of our AMA.
We’re all once again grateful for Eric’s detailed and visionary answers. 🙏
SEGMENT LIVE Q&A
Matrixians,
In this AMA series, we’re dedicating this entire segment to you our community. Now, it’s time for the live Q&A. Get ready, because it’s your turn!
From this moment on, feel free to type your questions live below. In just a few minutes, Eric will select some of them and answer directly.
Remember, for every selected question, the asker will receive a small surprise reward. This is your chance not only to gain knowledge but also to contribute and be rewarded!
MATRIX CMTO ERIC : Hi Everyone.
It is 1 August, the first day for the month. It was excited for me to share our plan in the areas of RWA and Stablecoins. By now, the whole direction report is ready at our Gitbook, see https://docs.matrix.io/hong-kong-stablecoin-25-26
Thanks to all questions submitted yesterday and I have picked below questions to answer, and my criteria to the selection are:
those addressed in Report and AMA, will not be picked
those general questions that answered before, will not be picked
priority given to those which asked after some thoughts and give us insights to carry forward.
and the questions, allow me to answer one by one, are
Q1- Emrah: CEO Owen said he was on a business trip and is there any development regarding a positive partnership or business meetings for us? Will there be plans in our favor in this bull, for example, will there be marketing or will there be moves to expand the community? Thank you
—
MATRIX CMTO ERIC : Owen travelled from time to time, and we did not disclose all of such. This business trip that you knew should be some months ago. That said, I would like to share something about another business trip recently Owen to Japan. He met a wallet service provider, and wallet is part of what needed to be integrated in the whole ecosystem in the direction report.
thanks for the question, Emrah.
Q2- Oğuzhan: In past years, there were talks about our connection to the OBOR/TBEA project. What is the current status after all this time? Is our partnership still ongoing? Since it hasn't been discussed for a long time, I think it's a question many of us are curious about.
—
MATRIX CMTO ERIC : It is ongoing and as secret weapon, especially for OBOR. If you refer to the first AMA about stablecoin, you will know it is not just a financial instrument, nor a technology alone, it is more on Political side on a global scale. With stablecoin for HKD, it shall come with CNY stablecoin on the global stable coin stage (refer to market share of USDT/ISDC). For CBY stablecoin to go wide, OBOR is surely the preferred regions to tap into. That is huge market. We cannot, or I dun want to say OBOR all the time as it has to be low profile in a sense. If you know what i am saying, you know well the environment.
Q3- Dark: What role does Hong Kong play in MATRIX’s long-term global strategy, and are there specific initiatives targeting the region’s Web3 ecosystem?
—
MATRIX CMTO ERIC : Matrix was born in Hong Kong. Now Hong Kong is very active in blockchain technology, and today with stablecoin poliy in effect. Our positioning will be always to empower and enable stakeholders to grow with what we had and what we are planning. Along the way, there would be support from the government through her arms like HKMA, CyberPort, Science and Technology Park etc. SInce Matrix is local and has been some years, we can tap into such for growth.
Q4- Burak: Is Matrix’s RWA infrastructure and its tokenization modules optimized solely for large funds and institutions, or are they also accessible to individual investors? From a strategic clarity perspective, how do you manage the risks of serving both segments simultaneously?
—
MATRIX CMTO ERIC : No, not at all. If the technology is for large funds or institutions, that is against of RWA. It depends on the asset classes, it can be individuals, SMEs, and of course big companies, who hold certain assets that they want to liquidate. Individual investors can join to own a fractions.
Along the process, it invoves custodian, insurance, logistics, legal paper, legal entities, audit etc to provide security to all.
HK government will not risk her reputation as a global financial center.
Q5- Navjyot Singh: How will Matrix AI Network adapt its operations to comply with the new Hong Kong Monetary Authority (HKMA) licensing requirements for stablecoin issuers, especially given the bill's emphasis on AML/CFT regulations?
—
MATRIX CMTO ERIC : We are Not issuer as the first place. We are here to empower those stakeholders. in this AML/CFT aspects, remember I talked about BioWallet using Finger Vein? That is something we can empower these parties to enhance the KYC and its effectiveness. I may come up with another direction report, aside from RWA, to elaborate how this biowallet can help in this area.
You see, thanks to previous hard work, we have these technology at hand for commercialisation and to grow leveraging this wave.
That is the 5 questions i picked and answered. Stablecoin is the trend, how Matrix position to empower the use case is the center of attention. RWA is at the center/
SERCAN : Thanks for all these answers, Eric. It’s truly hard not to get excited!😎
And now that our CMTO has selected and answered the questions, we’ve officially wrapped up our AMA session. Thank you all from the bottom of my heart for joining us in this second chapter of our AMA series it was truly a fantastic session.
A big we thank you to Eric for his in-depth and insightful answers. 🙏
Matrix's approach to RWA will truly make a difference through a combination of vision, technology, and compliance. To everyone who asked a question, contributed, listened, and shared thank you! 💚
Remember, these AMA sessions are not just about information; they’re part of a larger journey we’re building together. Every question, every idea, every contribution from you holds immense value for us.
Looking forward to seeing you again in our upcoming AMA sessions! Don’t forget to send us your questions. Bye.
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