View Public Benchmark Request Early Access

The AI-native risk oracle for tokenized real-world assets

AI Risk Ratings for Tokenized Real-World Assets

Lunaro Tech scores liquidity, issuer, custody, redemption, smart contract, oracle, and legal-wrapper risk for tokenized assets — then publishes signed rating updates on-chain.

Request Early Access View Public Benchmark

$27.65B

Distributed tokenized RWA value

710k+

RWA holders

$299B+

Stablecoin value

$441.38B represented asset value across the broader tokenized RWA landscape

Asset

Tokenized Treasury Fund

Rating · L-AA

84 / 100

Lunaro Score

Liquidity Risk Low

Holder Concentration Medium

Redemption Risk Medium

Smart Contract Risk Low

The Gap

TVL Is Not a Risk Rating

Tokenized assets can look large on paper but still be illiquid, highly concentrated, weakly traded, hard to redeem, or exposed to legal and oracle failure. RWA markets need a risk layer before they can scale into collateral, lending, vaults, and institutional portfolios.

Large asset value ≠ deep liquidity

Represented AUM can mask thin secondary markets and fragile exit paths.

Tokenized ≠ redeemable

On-chain transferability does not guarantee timely, gate-free redemption.

Yield ≠ sustainable

Headline APY may hide duration mismatch, subsidy risk, or weak borrowers.

On-chain ≠ legally enforceable

Smart contracts cannot substitute for wrapper rights and jurisdiction quality.

Comparison · Due Diligence Stack

○ Old RWA Due Diligence

Static PDF decks & quarterly reports
Manual issuer calls, lagging data
TVL / AUM as primary signal
Siloed legal, custody, chain reviews
No machine-readable output
Hard to use as DeFi collateral gate

● Lunaro AI Rating Layer

Continuous multi-signal scoring
AI synthesis of docs + on-chain
Nine-dimension risk framework
Explainable institutional bands
Signed on-chain score updates
Oracle-ready for protocols & desks

Product

The AI-Native Risk Terminal for RWA

Lunaro combines on-chain activity, issuer documents, custody data, smart contract analysis, legal wrapper review, redemption terms, oracle monitoring, and market-quality signals into one explainable score.

01 · RATING

Lunaro Rating

0–100 score and institutional rating bands designed for credit teams and protocol risk committees.

L-AAA L-AA L-A L-BBB L-BB L-Risk Watch

02 · TERMINAL

Lunaro Risk Terminal

Dashboard for asset managers, DeFi protocols, custodians, exchanges, and credit teams.

Multi-asset risk monitors
Dimension-level drill-downs
Refresh cadence controls
Exportable audit trails

03 · ORACLE

Lunaro On-Chain Risk Oracle

Signed score updates that protocols can use before accepting RWA tokens as collateral.

Cryptographically signed updates
Collateral admission gates
24h liquid / 7d institutional refresh targets
Composable for lending & vaults

Risk Intelligence Layer From nebula-scale data noise to machine-readable institutional scores.

Framework

Nine Dimensions of RWA Risk

Each dimension is scored like a mission-control module — independent signals, unified into one Lunaro Score and rating band.

Liquidity Risk

Turnover, transfer frequency, active holders, market depth.

Holder Concentration

Top holder share, whale exposure, insider-linked wallets.

Issuer Risk

Issuer track record, disclosures, regulatory profile.

Custody Risk

Custodian quality, reserve segregation, proof-of-reserve.

Redemption Risk

Redemption windows, fees, gates, settlement time.

Smart Contract Risk

Audits, upgrade keys, admin controls, exploit history.

Legal Wrapper Risk

SPV structure, investor rights, jurisdiction, bankruptcy remoteness.

Oracle Risk

NAV source, update frequency, manipulation resistance.

Yield Sustainability

Yield source, borrower quality, duration mismatch, subsidy risk.

Asia Focus

Built for Asia’s Tokenized Finance Hubs

Singapore and Hong Kong are becoming major centers for tokenized funds, tokenized deposits, digital bonds, and institutional settlement infrastructure. Lunaro is designed for the next layer: independent, explainable, machine-readable risk ratings.

Singapore

Tokenized funds, Project Guardian ecosystem, institutional DeFi, fund distribution.

Hong Kong

Tokenized bonds, Project Ensemble ecosystem, 24/7 settlement, digital asset regulation.

Public Benchmark

Benchmarking the Assets Institutions Already Watch

Lunaro’s public benchmark coverage is designed to compare major RWA categories across tokenized Treasuries, money market funds, private credit, tokenized gold, tokenized bonds, and institutional pilots.

Treasury / MMF

BlackRock BUIDL

Tokenized Treasury / Money Market

Money Market Fund

Franklin Templeton BENJI / sgBENJI

Tokenized Money Market Fund

Tokenized Treasuries

Ondo OUSG / USDY

Tokenized Treasuries

Private Credit

Maple Finance

Private Credit

Infrastructure

Securitize

Tokenization Infrastructure

Commodities

Paxos Gold / Tether Gold

Tokenized Commodities

Tokenized Bonds

Hong Kong Digital Green Bonds

Tokenized Bond Benchmark

Asia Pilots

Project Guardian / Project Ensemble

Asia Institutional Pilots

Examples are public benchmark coverage references, not client endorsements. Coverage universe may include assets and ecosystems like those listed below — designed to support institutional and DeFi workflows, not presented as customers.

Public benchmark coverage, ecosystem references & potential integration partners

Get Started

RWA Needs Ratings Before It Can Scale

Lunaro helps protocols, custodians, tokenization platforms, exchanges, and institutional investors understand which tokenized assets are liquid, redeemable, legally sound, and safe enough for collateral use.

Request Early Access Talk to Lunaro

300+

Assets target coverage

75+

Asia RWA assets

15+

Protocol integrations

10,000+

Signed score updates

24h / 7d

Liquid / institutional refresh