R2: Build usable real-world returns

1. Why We Need to Reinterpret "Yield"

In the past few years, the understanding of "yield" in the on-chain world has been severely simplified.

Many users tend to focus their attention on:

How high the APY number is
How quickly rewards are distributed
Whether they can withdraw at any time

But in the real world, yield is always the result of risk, duration, and cash flow, not something that appears out of thin air.

When we allocate funds to real-world assets (RWA), the core question is never:

"Can you give me a yield number?"

But rather:

Where does this yield come from?
What is the duration of the asset?
Are the redemption terms clear?
In extreme cases, does the mechanism still hold?

R2 aims to bring these questions back to the table.

2. What Assets Mainly Contribute to Real-World Yield

In the traditional financial system, stable and explainable yields mainly come from several types of assets:

1. U.S. Treasuries

Extremely low risk
Transparent yields
Best liquidity
But limited long-term yield

They serve more as an anchor for yield rather than an amplifier.

2. Corporate Credit Assets

Includes short-term corporate bonds, senior loans, trade finance, etc.
Yields higher than Treasuries
Risk depends on: duration, collateral structure, borrower quality

These assets form the core of most "medium risk, medium yield" portfolios.

3. Regional and Structured Cash Flow Assets

Financing in Latin America, Asia, and small to medium enterprises
Supported by real operating cash flows
Stricter requirements for duration and redemption

These assets are not suitable for "anytime entry and exit," but can provide stable returns under clear structures.

3. What Are the Real Issues After RWA Goes On-Chain

Many people think the problem with RWA is that the assets are not good enough. But in actual contact, we find the opposite to be true.

RWA does not lack assets; it lacks usability.

The real issues mainly focus on:

Mismatch between asset duration and user expectations
Unclear redemption rules
Inconsistent risk disclosures
Users do not know exactly what they hold

This is also why many "seemingly good RWA products" ultimately struggle to be widely used.

4. What R2 Is Doing

R2 is not a protocol that "invented yield."

What R2 is doing can be summarized in three points:

1. Transforming Complex Assets into Understandable Products in the Form of Vaults

R2's Vault is not aimed at pursuing extreme APY, but rather focuses on:

Short to medium-term assets
Clear redemption rules
Traceable cash flows

So that users clearly know:

What their money is doing.

2. Serving as a Yield Execution Layer, Connecting the Real World and On-Chain

Beyond the Vault, R2 is also doing something more fundamental:

Collaborating with asset managers and issuers
Bringing real-world yields on-chain
Providing standardized execution and settlement methods

This makes R2 not just a "front-end product," but a yield execution infrastructure.

3. Focusing on Feasible Regions and Asset Types

R2's current focus on underlying assets mainly comes from:

The United States
Latin America (LATAM)
Asia

These regions possess:

Clear legal and financial structures
Mature short-term credit markets
Existing demand for real yields

5. Core Principles of R2

In all products and collaborations, R2 always adheres to several principles:

No promises of unexplained yields
No concealment of asset duration
No treating liquidity illusions as product selling points
No using short-term incentives as long-term returns

Yield is not a marketing pitch, but the result of system design.

In Conclusion

Real-world yield is not a new concept; it has long existed in the traditional financial system.

What R2 is doing is not inventing yield, but rather:

Bringing existing, explainable yields to users and end-users who truly need them in a more transparent, usable, and simpler way.

We believe that what truly matters is not "how high the yield is," but rather:

Where the yield comes from
How risks are constrained
Whether users clearly understand what they hold in any market environment

R2 will continue to build products around these principles, rather than chasing short-term numbers.

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