Standard Chartered predicts $4 trillion in tokenized assets on-chain by 2028.

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Standard Chartered Bank forecasts $4 trillion in on-chain native assets by 2028, with stablecoins and real-world assets (RWA) each accounting for half. Geoffrey Kendrick, the bank’s global head of digital assets research, said mature DeFi protocols with strong risk indicators will benefit the most. The Clarity Act is viewed as a recent catalyst prompting traditional finance to shift toward DeFi. Aave, the largest DeFi lending protocol, once ranked 38th in asset size among U.S. banks, with daily stablecoin lending volumes between $1.5 billion and $2 billion. Coinbase’s lending product with Morpho has reached $1.75 billion in loans.

Odaily Planet Daily reports that Standard Chartered Bank expects the total value of on-chain tokenized assets to reach $4 trillion by the end of 2028, equally split between stablecoins and real-world assets.

Geoffrey Kendrick, Global Head of Digital Assets Research at Standard Chartered, said that mature DeFi protocols with strong risk metrics will be the primary beneficiaries. DeFi’s composability is a core advantage—for example, BlackRock’s BUIDL fund, with approximately $2.85 billion in assets under management, can earn yield while serving as collateral and maintaining liquidity. The passage of the Clarity Act is seen as an near-term catalyst accelerating the shift from traditional channels to DeFi.

Data shows that Aave, the largest DeFi lending protocol, once ranked 38th among U.S. banks by asset size, with daily on-chain stablecoin lending volumes reaching $1.5 to $2 billion, and the lending product developed by Coinbase and Morpho reaching $1.75 billion in loan volume. (The Block)

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