Introduction
For centuries, wealth management has been a privilege of the few. Exclusive products, limited access, complex structures, and opaque practices have defined a system where opportunities for yield and growth are concentrated in the hands of institutions and the ultra-wealthy. But the world is changing - technology is shifting the boundaries of what is possible, and finance is no longer confined to the walls of banks or the paperwork of intermediaries.
At NUVA, our vision is to transform the world’s investment industry by connecting RWA (real-world asset) issuers and users in new ways, enabling innovative, institutional-quality Web3 financial products that are liquid, composable, transparent, and accessible.
The Moment of Real-World Assets
The tokenization of RWAs has been one of the most powerful narratives in finance over the last few years. The logic is hard to ignore: trillions of dollars in assets ranging from treasuries, private credit, real estate, insurance to commodities can be represented digitally on blockchains, unlocking efficiency, programmability, and liquidity.
This is no longer just a theory. The world’s largest financial institutions such as Blackrock, J.P. Morgan, Citi, Franklin Templeton etc. are already experimenting with or deploying tokenized RWA strategies. Regulatory clarity is emerging across markets. And yet, despite a total addressable market north of US$400 trillion, the current on-chain RWA market (excluding stablecoins) is barely US$30 billion.
That gap persists because today’s tokenized RWA landscape faces three core challenges:
Liquidity: Assets are scattered across siloed blockchains and platforms. Because most RWA tokens are chain-native and often permissioned, liquidity fragments into shallow, isolated pools, reducing overall market depth.
Complexity: Most offerings rely on “digital twin” structures that do not improve efficiency or safety, with interfaces built for crypto-natives, making navigation difficult for mainstream users.
Accessibility: Access is limited by accreditation and jurisdiction rules, and most investment options are highly concentrated in private credit and U.S. treasuries, representing ~90% of all RWA products.
A key challenge hindering the scale of RWAs is not creating tokenized assets, but distributing them to the DeFi ecosystem.
The NUVA Difference
NUVA was created to solve these challenges and democratize the access to wealth. NUVA is a next-generation wealth management platform that harmonizes access to TradFi and DeFi assets and creates significant value for issuers and users.
Here’s what sets NUVA apart:
1. Industry-Defining Launch Assets
NUVA begins with access to Figure Technology Solutions’ (NASDAQ: FIGR) digitally native RWAs - products that represent a new standard for quality and compliance.
nuYLDS: Flagship stablecoin vault backed by the first and only U.S. SEC-registered, yield-bearing stablecoin, offering permissionless access to ~4% APY*.
nuHELOC: Flagship private‑credit vault backed by loans that are collateralized by a pool of Home Equity Lines of Credit (HELOCs). The vault gains exposure via Figure’s Demo Prime, offering permissionless access to ~8.25% APY*.
These institutional-quality assets will become permissionlessly accessible on NUVA, and they set the foundation for a diversified pipeline spanning private credit, life insurance, corporate notes, treasuries, real estate, and more.
*Digital assets involve risk and that any rates are indicative, variable, and not guaranteed.
2. A Unified Liquidity Layer
NUVA aggregates curated, tokenized RWAs into a single, permissionless marketplace, but it’s SuperNUVA that powers the core liquidity layer behind every asset.
SuperNUVA: a Mastervault mechanism that powers the core liquidity layer and bootstraps liquidity for onboarded vaults, starting with nuHELOC and followed by other vaults. SuperNUVA helps ensure sufficient depth and liquidity for constant access, reduced slippage, and supporting advanced DeFi strategies like leveraged looping and yield splitting for tokenized RWAs.
Every product on NUVA will be connected to shared liquidity, composable with leading DeFi protocols, and accessible 24/7. NUVA’s unified infrastructure lets users move and manage capital at the speed of code, designed to transform RWAs into true digital building blocks for institutional and retail yield generation.
3. Community Ownership and Real Revenue
NUVA is built to belong to its users. Through the NUVA token and its vote-escrow system, stakers govern protocol parameters, emissions, and treasury. Revenue will flow back to the community via buybacks and rewards once milestones are hit. Users and issuers alike participate in value creation, fostering engagement and growth.
NUVA is not just wealth management on-chain. It is wealth management owned by the community itself.
Why NUVA Matters
If the 20th century was the age of institutional finance, the 21st century is becoming the age of programmable finance. NUVA fuels this shift by providing:
Access Without Barriers
By abstracting away blockchain complexity, NUVA makes sophisticated products available to anyone, anywhere.Transparency and Trust
Every vault is backed by verifiable on-chain proof of reserve. Users know exactly what they hold and how it performs, without opaque intermediaries.Liquidity and Composability
Wealth management is no longer static. With NUVA, assets are liquid, strategies are composable, and capital can move at the speed of code. Composability means nuAsset tokens can, where supported, be used across the DeFi ecosystem, for example as collateral for lending or to access liquidity on DEXs.Alignment of Incentives
NUVA breaks from the legacy model where institutions profit at the expense of clients. Here, NUVA and the users will share the revenues they generate, creating a system that grows stronger the more people use it.
A Bold Vision for the Future
We imagine a future where anyone, anywhere, can access the same opportunities once reserved for the top 1%. Where an investor in Nairobi can earn the same yield on U.S. treasuries as a pension fund in New York. Where DeFi users can loop, stake, and build sophisticated strategies on assets as safe as insured life policies or government bonds.
By bridging TradFi and DeFi, by combining institutional-grade products with the openness of blockchain, we are creating a marketplace that redefines what wealth means in the digital age.
Our roadmap begins with nuYLDS and nuHELOC, expands through partnerships with global asset managers, and evolves into a full on-chain wealth management ecosystem - complete with advisory tools, gamified social layers, and integrated distribution channels. Over time, NUVA will become the default interface for how the next generation builds, manages, and grows wealth.
The Next Generation of Wealth Management
Wealth has always been about access. In the past, access was gated by geography, regulation, and privilege. NUVA is designed to change that.
We stand at the intersection of three unstoppable forces:
The institutional embrace of blockchain.
The rise of community-owned finance.
NUVA unites these forces into one platform, one marketplace, and one vision: transform the world’s investment industry by connecting RWA issuers and users in new ways, enabling innovative, institutional-quality Web3 financial products that are liquid, composable, transparent, and accessible.
This is why NUVA stands out. This is why it matters. And this is why we are building boldly, ambitiously, and together with our community - the future of wealth management.
Because the next generation of wealth will not just be managed - it’s being owned, shared, and built on-chain.
