How to Avoid Low Yields: Choosing Stablecoins That Pay

28 มกราคม 2569

FWD Group Expands into Tokenized Wealth Infrastructure via Strategic Partnership with ToVest

FWD Group is pleased to collaborate with ToVest within the RWA ecosystem to introduce innovative wealth protection solutions to the digital asset space. Together, we are launching integrated insurance options for tokenized gold, equities, and digital instruments, ensuring that as our customers’ portfolios evolve, their protection remains steadfast and secure. Financial Profile and Strength of FWD FWD currently serves approximately 34 million customers across 10 Asian markets, with total assets under management of around USD 59.4 billion (2025). The Group’s consolidated capital adequacy ratio stands at 283%, significantly above regulatory requirements, underscoring its strong solvency and financial resilience. In the first nine months of 2025, new business value (APE) grew 37% to USD 1.935 billion, while new contract service margins increased 27% year-on-year to USD 1.158 billion. The Group’s 2025 Hong Kong IPO raised approximately USD 466 million in new capital, accompanied by deleveraging initiatives through refinancing and repayment of USD 1.65 billion in debt, which reduced annual finance costs by USD 72 million. FWD ranks among the Top 7 MDRT (Million Dollar Round Table) global multinational insurers (2025), reflecting a strong financial advisory network and robust distribution capabilities. ToVest and the Expansion of RWA ToVest is an investment and trading platform for tokenized real-world assets and digital assets, enabling investors to access economic exposure to gold, commodities, equities, and other traditional financial instruments through tokenization. The platform emphasizes transparency, cross-border accessibility, and liquidity, combining traditional financial standards with blockchain-based infrastructure for both retail and institutional users. With RWA emerging as one of the fastest-growing segments in digital assets, the integration of insurance into RWA markets is seen as a natural next step to enhance risk management and drive broader market adoption. Rationale for the Partnership The partnership aligns with FWD’s digital insurance expansion strategy and its focus on capturing younger customer segments, where demand for asset protection linked to digital financial transactions is rising sharply. Meanwhile, ToVest provides technology and distribution capabilities, particularly in real-time portfolio monitoring and risk-alert systems. Planned Product Models Both parties have agreed to develop and implement several product models, including: Insurance for RWA Positions and Tokenized Assets Allows users to insure tokenized RWA positions such as GOLDx or tokenized stocks, with an expected annual premium of 0.5–1%. The goal is to mitigate price volatility or operational risks and increase long-term holding rates. “Hold & Protect” Program Encourages users to maintain RWA holdings for longer periods in exchange for free insurance coverage for 30–90 days, aiming to improve capital stickiness on the platform. Referral-Linked and Agent-Distributed Insurance Expands distribution channels via agents and KOLs, where both referrers and referees may receive complimentary coverage upon meeting activity thresholds. AI Risk Alerts with Automated Insurance Recommendations Leverages real-time data to issue liquidation-risk alerts and recommend suitable insurance coverage, helping users avoid large drawdowns in leveraged trading. Joint Market Activation and Events Targeting Hong Kong, Vietnam, Indonesia, and Thailand — markets where FWD maintains commercial presence and sizable customer bases. Market Implications The insurance-enabled RWA model may facilitate broader adoption of digital asset products, especially in emerging markets where legal protections for digital assets remain limited. The partnership is viewed as an important step in establishing insurance as a stabilizing financial layer for tokenized markets, similar to how credit insurance products historically supported the development of corporate bond markets.

17 ธันวาคม 2568

Stablecoin Investment Guide 2025: Maximize Returns Safely This Year

Understanding Stablecoins and Their Role in Investment Stablecoins are blockchain-based tokens pegged to assets like the US dollar that are designed to hold a steady value while enabling fast, low-cost transactions and settlement. Unlike volatile cryptocurrencies, they function as a store of value, a bridge currency between exchanges, and a gateway to decentralized finance (DeFi) opportunities that can earn yield. The total stablecoin supply reached roughly $208 billion in Q1 2025, with about 90% pegged to USD, underscoring their central role in crypto liquidity and payment rails (ARK Invest research). Stablecoins can help investors hedge crypto volatility, move funds globally in minutes, and park liquidity between trades while remaining primed for opportunities. If your goal in 2025 is high, durable returns with controlled risk, start by choosing regulated, fully backed coins and pair them with compliant yield products that publish transparent reserve and audit data. Hedging volatility in crypto portfolios Fast, low-cost global transfers and settlement Parking funds for liquidity between trades Citations: Token mechanisms overview (TokenMetrics). Market size and USD dominance (ARK Invest). Research Regulatory Frameworks for Stablecoin Investing Regulation sets the floor for transparency, reserve quality, and investor protection—so map your jurisdiction before you invest or chase yield. In 2025, Europe’s MiCA regime requires full reserves, issuer licensing, and clear disclosures for stablecoin operations, raising the bar on governance and transparency. In the U.S., proposals like the GENIUS Act would require federal licensing, audited reserves, and detailed governance reporting—rules that could limit interest-bearing features for payment stablecoins and affect where and how Americans earn yield. Jurisdictional differences matter for cross-border investors: Hong Kong is rolling out a licensing regime specific to fiat-referenced stablecoins, while the UK’s FCA framework emphasizes authorization, safeguarding, and orderly wind-down planning. Understanding these differences helps you select compliant coins and platforms, reducing counterparty and legal risks. Regulatory quick reference: Citations: Regulatory landscape and MiCA overview (IMF). Global frameworks and licensing direction (industry analysis). Choosing the Right Stablecoin for Stability and Yield Fiat-backed stablecoins hold cash and short-term securities to maintain a 1:1 peg. They’re dominant and often rely on reserves kept with regulated financial institutions. Investors should look for daily attestation or real-time reserve dashboards and independent audits. Crypto-collateralized stablecoins are overcollateralized with crypto assets (e.g., ETH) and adjust collateral ratios to maintain the peg. They carry smart-contract and market risk but can be more transparent on-chain. Algorithmic stablecoins use supply algorithms and incentives instead of full reserves. They can be capital-efficient but historically have been prone to depegs during stress. Yield-bearing stablecoins embed yield generation—via lending, staking, or tokenized treasuries—directly into the token design. Indicative annual rates can range from roughly 7% to 30% depending on risk, strategy, and market conditions, though local rules (such as proposed U.S. limits on interest-bearing payment stablecoins) may affect availability. See a primer on yield-bearing designs and mechanics (21x). Stablecoin snapshot (illustrative): Citations: Stablecoin mechanics (TokenMetrics). Policy constraints and investor protections (IMF). Yield-bearing trend (21x). Selecting Trusted Platforms for Stablecoin Trading and Custody Choose platforms that combine compliant on/off-ramps, institutional-grade custody, and access to regulated yield. Leading providers publish independent audits, insurance details, and proof-of-reserves dashboards, modeled after institutional services like ToVest and other multi-service brokers. Always verify licensing, security certifications, and segregation of client assets. Platforms should support multiple networks, enforce strong withdrawal controls, and provide detailed incident response policies. Platform evaluation checklist: For a beginner-friendly overview of stablecoin investing mechanics and platforms, see AvaTrade’s explainer. Building a Diversified Stablecoin Investment Portfolio Diversification reduces single-issuer, network, and protocol risks. Allocate across fiat-backed and crypto-collateralized coins, and consider limited exposure to newer models only after due diligence. Geographic diversification can also help, especially as stablecoins see rising adoption in high-inflation economies like Argentina, Nigeria, and Venezuela—often for remittances, payroll, and commerce (ECB analysis; regional use cases). Example allocation frameworks (illustrative, adjust to your jurisdiction and risk tolerance): Step-by-step: Map your regulatory constraints. 2) Select 2–3 core stablecoins with audited reserves. 3) Add controlled yield exposure with hard caps per issuer/protocol. 4) Rebalance monthly or at 1–2% peg deviation thresholds. 5) Maintain a cash buffer for redemptions and fees. Citations: Financial stability and regional adoption dynamics (ECB). Practical use cases in high-inflation markets (Yellow Card). Strategies to Earn Passive Income with Stablecoins In 2025, you can earn passive income via three proven avenues. Choose the method that fits your compliance context and risk tolerance. CeFi savings and term products: Centralized platforms offer fixed or floating APYs with easy UX and KYC. DeFi lending and liquidity: Lend on decentralized money markets or provide liquidity on DEXs for variable yields and incentives. Yield-bearing stablecoins: Tokens that pass through treasury, lending, or protocol revenues to holders; indicative 7%–30% APY depending on design and risk. Comparison of passive income methods (indicative): Note for U.S. investors: proposed rules may restrict interest-bearing features for payment stablecoins. Focus on compliant, regulated yield mechanisms and transparent disclosures (policy analysis; 21x on designs). Citations: Beginner strategies and platform approaches (KuCoin Academy). Yield-bearing landscape (21x). Monitoring Market Trends and Security Measures Stay current with regulation, adoption, and new use cases. Stablecoins continue to power cross-border settlements, e-commerce, and payroll—especially where local currencies are volatile (Yellow Card overview). Track issuer reserve quality, on-chain flows, and peg stability across networks. Security concepts to know: Proof of Reserve is a cryptographic method that allows investors to verify that stablecoin issuers have sufficient assets backing all issued coins in real time. Third-party audits are independent assessments of reserves, controls, and financial statements. On-chain analytics monitor transaction health, liquidity, and whale movements. Best practices: Use hardware wallets or reputable custodians for large balances. Prefer issuers with frequent attestations and public wallet disclosures. Set peg alerts (e.g., ±0.5%) and liquidity thresholds. Review smart-contract audits and bug bounty programs before using DeFi. Keep a written exit plan for redemptions and platform incidents. Citations: Security and governance expectations for 2025 (IMF). Practical use cases (Yellow Card). Managing Risks in Stablecoin Investments Key risks include depegging, opaque or insufficient reserves, issuer insolvency, liquidity shortfalls, and shifting regulations. To reduce exposure, stick to fully backed, frequently audited issuers; diversify across multiple coins and platforms; and confirm that any yield product is legally offered in your jurisdiction. Risk assessment checklist: Citations: Risk taxonomy and regulatory objectives (IMF). Maximizing Returns While Ensuring Compliance and Safety The winning 2025 playbook is systematic: start with regulatory mapping, pick fully regulated coins and platforms, add yield through compliant products, and rebalance for both return and risk. Yield can be earned responsibly by prioritizing transparent issuers, treasury-backed or clearly collateralized designs, and platforms that publish independent audit and reserve reports. Build your process around verifiable data—reserve attestations, on-chain analytics, and platform licenses—and keep allocations capped to prevent single-point failures. For deeper market dashboards, educational explainers, and allocation templates, explore ToVest’s latest research and tools. Citations: Structural design and investor protections (IMF). Yield-bearing innovations and disclosure needs (21x). ToVest market education (ToVest Academy). Frequently Asked Questions What are stablecoins and how do they maintain stable value? Stablecoins are digital tokens pegged to assets like the US dollar, using reserves or algorithms to keep prices steady while enabling fast, low-cost transactions. How can investors safely earn returns with stablecoins in 2025? Choose regulated platforms and yield-bearing stablecoins that publish audits and reserve data, and favor compliant products aligned with your jurisdiction. What regulations affect stablecoin investments and why do they matter? Frameworks like EU MiCA and proposed U.S. laws require robust reserves, licensing, and disclosures, enhancing transparency and reducing counterparty risk. What are the main risks of investing in stablecoins and how can they be mitigated? Depegging, weak reserves, and regulatory uncertainty are key risks; mitigate by diversifying, using regulated issuers, and verifying audits and platform credentials. How does diversification improve stablecoin investment outcomes? It spreads issuer and protocol risk, stabilizes performance through market cycles, and can improve risk-adjusted returns.

4 ธันวาคม 2568

The Hottest Asset Class of 2025 Is Calling Gen Z

2025 marks the biggest shift in investment behavior in the past decade. No more “all-in crypto.” No more “all-in stocks.” Young investors across Southeast Asia are now moving toward a new model: Diversifying assets – prioritizing USD-based income – and owning real, tangible assets. Below are the 3 strongest megatrends of 2025, compiled by ToVest from market data, user behavior, and global investment patterns. RWA (Real World Assets): The Breakout Megatrend of 2025 Not just crypto. Not just wealthy investors. Gen Z and young Millennials (20–30 years old) are now buying U.S. assets through RWA. Why RWA stands out in 2025: High U.S. interest rates → T-Bills become the most attractive safe asset RWA platforms let young investors buy from as little as a few dollars Much lower fees compared to traditional banks Transparent, fractionalized, easy to track Hottest RWA assets of 2025: U.S. Treasury Bills U.S. stocks (AAPL, NVDA, MSFT…) Corporate Bonds Tokenized Real Estate (fractional U.S. property) Why young investors are shifting to RWA → Because it’s a simple, safe, U.S.-standard way to grow wealth in USD. AI Investment: Quality Over Hype Unlike 2023–2024, in 2025: Young investors no longer buy “AI projects just because they’re AI.” They’ve started distinguishing real AI from AI marketing narratives. Top AI sectors gaining serious investment: AI Infrastructure (Nvidia, AMD) AI Cloud Providers (MSFT, AWS) Applied AI / SaaS AI Robotics & Automation New trend: → Young people now use AI to generate income, not just as an investment theme. Multi-Income: Young People Refuse to Rely on One Source of Income ToVest reports that 82% of users aged 22–32 aim to have at least two income streams in 2025. The most common pathways: Full-time job Freelance / side jobs AI automation income RWA investments Stock/crypto investments Small-scale online businesses This is becoming one of the most sustainable trends of the decade. Trend Summary 2025 is not a temporary hype wave. These three megatrends will likely continue for at least 3–5 more years. Those who catch them early → Will outperform the broader market by a large margin.