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The growth of Decentralized finance (DeFi) and Traditional finance (TradFi) economies are both hindered by structural and scalability issues.
Despite all the innovations in DeFi, on-chain investors still lack access to stable and sustainable yields due to the high correlation of underlying asset prices and the recursive nature of DeFi yields. The lack of a robust credit risk assessment framework further contributes to higher default rates and credit losses.
DeFi also operates within an evolving regulatory landscape, with uncertainties around compliance aspects, especially around the participation of retail investors in DeFi protocols. This creates risks for both platform operators and participants, hindering widespread adoption and institutional involvement.
Traditional finance (TradFi) markets also have their own challenges, particularly in the private credit space where traditional banking institutions have left behind a massive financing gap of US$5 trillion for MSMEs (Micro, Small and Medium Enterprises) and 1.7 billion adults unbanked across the global, mostly coming from emerging markets.
Non-Bank Financial Institutions (NBFIs) like Micro-financing companies, Multi-financing companies, Cooperatives, P2P Lending companies are trying to fill this credit gap left behind by the traditional banking institutions. However, most NBFIs lack access to scalable capital to facilitate loans to segments of society underserved by traditional banks.
HELIX is an institutional RWA protocol connecting on-chain investors to real-world private credit opportunities. It is our answer to the issues plaguing DeFi yields and the TradFi credit financing gap.
HELIX aims to provide institutional and accredited investors access to stable yields that are uncorrelated to the broader crypto market volatility through risk managed real-world asset backed loans.
It uses a robust proprietary Credit Risk Analytics technology that processes millions of loan data points from NBFIs (Non-Bank Lenders) to analyse underlying loan portfolios and extract insightful credit and performance metrics for investors.
Through these highly curated investment opportunities, HELIX enhances portfolio yields for on-chain investors while facilitating liquidity for the top NBFIs in emerging markets so they can grow their loan books and promote financial inclusion at scale.
Real-world assets (RWA) represent a new frontier in the DeFi space, offering investors stable, reliable returns and access to a broader universe of real-world exposures. As financial markets evolve, RWAs are rapidly becoming a core driver of on-chain adoption.
Tokenized RWAs have now crossed US$30 billion in value, with the tokenized private-credit sector contributing over US$18.9 billion and emerging as one of the fastest-growing segments in the tokenization boom. In parallel, the stablecoin market has expanded to over US$250 billion, underscoring the scale at which RWAs are already moving on-chain. With robust credit-risk assessment capabilities and a strong focus on regulatory compliance, Helix delivers the institutional-grade execution missing from today’s market and is positioned to consolidate and scale this momentum into a multi-billion dollar industry.
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