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 Temporary
Polygon Labs is bridging conventional finance and Web3 by constructing the infrastructure that makes stablecoins and tokenized belongings usable at scale—making a future the place transferring 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 belongings actually usable at scale, from enabling immediate, low-cost international funds to supporting institutional adoption of RWAs. He shares insights on regulation, partnerships, and the subsequent part of blockchain-based monetary methods, the place transferring worth turns into as seamless as sending an e-mail.
May 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 sluggish, fragmented, and costly for on a regular basis folks – 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 long run I wished 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 belongings genuinely usable in actual economies as infrastructure that solves precise issues for customers, companies, and establishments.
How do you see the function of stablecoins evolving as a bridge between conventional and decentralized finance?
Stablecoins are beginning to perform like programmable, international cash, and that’s a game-changer. They’re paving the best way for money that may transfer 24/7, settle in seconds, and plug into each client 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 dropping vital 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 developments within the RWA tokenization area are at present 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 belongings (e.g., short-term authorities bonds or money-market model funds). These merchandise signify a transparent “first wave” of institutional use-cases within the RWA area.
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 transferring into extra complicated asset courses.
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 belongings, the platform should ship:
Low transaction prices and quick finality (lowering operational friction)
Strong 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 belongings demand clear frameworks round issuance, custody, switch restrictions, KYC/AML, and redemption mechanisms.
Usability & Actual-World Use-Instances Past Yield: Whereas yield-bearing tokenised treasuries are early winners, the subsequent frontier is usability: how simply tokenised belongings combine into institutional workflows and broader ecosystems (collateralisation, programmable finance, on-chain liquidity). Key sides embrace:
In your view, which sectors would be the first to broadly undertake tokenized RWAs — actual property, commodities, or treasury belongings?
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 comply with shortly. At Polygon, we now have a majority market share of non-USD stablecoins, and our infrastructure also can assist commodity tokenization.
Actual property is going on, however in lots of areas, it would take longer as a result of the authorized buildings are extra complicated and differ considerably by jurisdiction. However as these frameworks mature, we’ll see institutional capital move 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 had been caught in a regulatory gray zone, and establishments had 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 below. Within the U.S., laws just like the GENIUS Act has given fee suppliers and fintechs the arrogance to maneuver ahead with deliberate implementations.
That’s additionally why infrastructure has to evolve. Establishments want infrastructure that may assist their scale and safety necessities. Polygon permits this by way of our confirmed know-how stack and, more and more, by way of customizable networks through the Polygon CDK, which may be tailor-made to particular regulatory necessities, whether or not it’s privateness, KYC, or jurisdiction-specific compliance. It’s now not about “public vs personal” 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 easy – 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 a whole lot of 1000’s of transactions per second.
By means of the AggLayer, we’re creating unified liquidity throughout chains in order that transferring worth feels so simple as sending an e-mail. Customers shouldn’t have to consider which chain they’re on or how you can bridge belongings.
May you share some present or upcoming partnerships Polygon is exploring to increase 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 aspect, we’re supporting initiatives like Libre, which is utilizing Polygon CDK to construct devoted infrastructure for different funding tokenization, with companions together with Brevan Howard and Hamilton Lane.
We’re additionally increasing partnerships in funds to be used circumstances starting from stablecoin transfers to cross-border B2B settlements.
What are the most important boundaries stopping international fee networks from totally adopting stablecoins?
Many jurisdictions nonetheless lack clear frameworks for KYC/AML compliance and for dealing with overseas alternate dangers in stablecoin transactions. As that readability emerges, adoption occurs.
Person expertise stays a hurdle. Pockets administration, key custody, and fiat on- and off-ramps may be complicated. Customers shouldn’t want to grasp 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 handle 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 through account abstraction, seamless fiat on/off ramps through partnerships with platforms like Stripe and Revolut, and unified cross-chain experiences through 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 subsequent 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 higher effectivity than their conventional counterparts.
What milestones ought to we count on from Polygon’s funds and RWA initiatives in 2025?
We’re increasing our partnerships optimized for funds use circumstances throughout Latin America, Europe, and Asia-Pacific, and scaling our ZK know-how 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 belongings are maximally productive by way of DeFi integrations and institutional-grade infrastructure.
Disclaimer
Consistent with the Belief Undertaking pointers, please word that the knowledge supplied on this web page just isn’t supposed to be and shouldn’t be interpreted as authorized, tax, funding, monetary, or some other type of recommendation. It is very important solely make investments what you’ll be able to afford to lose and to hunt unbiased monetary recommendation if in case you have any doubts. For additional info, we advise referring to the phrases and circumstances in addition to the assistance and assist pages supplied by the issuer or advertiser. MetaversePost is dedicated to correct, unbiased reporting, however market circumstances are topic to alter with out discover.
About The Writer
Victoria is a author on quite a lot of know-how matters together with Web3.0, AI and cryptocurrencies. Her in depth expertise permits her to jot down insightful articles for the broader viewers.
Extra articles
Victoria d’Este
Victoria is a author on quite a lot of know-how matters together with Web3.0, AI and cryptocurrencies. Her in depth expertise permits her to jot down insightful articles for the broader viewers.
