The Crypto Friendly Cities Index 2026
Real-World Assets and the Future of Tokenised Finance: Chintai
Wong Kok Hoe of Chintai explains why credibility, regulation, and real-world utility are shaping the future of crypto, as tokenised assets and blockchain infrastructure become increasingly integrated into global financial markets.
Socially, crypto and tokenised assets will mature into a new layer of financial rails supporting global capital markets, with transparency and audit trails recorded directly on-chain.
Q. What do you think matters most in crypto right now, and what makes you say that?
What matters most now is credibility and real-world utility. The industry is moving beyond speculation toward real financial infrastructure. In my opinion, RWA Tokenisation projects are defining the next phase of crypto: those that connect blockchain to real-world assets, regulated frameworks, and institutional capital.
Q. When you look at the next 2–3 years, what changes do you expect — technically, economically, or socially?
Technically, we will see blockchain infrastructure designed specifically for regulated financial markets, with Artificial Intelligence increasingly embedded into the systems we use. We are also beginning to see the emergence of the “Internet of Agents”, autonomous software entities that can transact and collaborate using blockchain networks.
Economically, tokenisation will unlock liquidity in assets that have traditionally been difficult for younger or retail investors to access. Over time, RWA tokenisation will become a trusted channel within the global financial system.
Socially, crypto and tokenised assets will mature into a new layer of financial rails supporting global capital markets, with transparency and audit trails recorded directly on-chain.
Q. What’s a belief you’ve changed your mind about in crypto, and what caused the shift?
Early in the industry, many believed decentralisation alone would drive adoption. Over time, it became clear that large-scale adoption requires trust, governance, and regulation. Institutions want the efficiency of blockchain, but within frameworks that provide accountability and investor protection.
Q. Where do you see the biggest gap between what builders are creating and what users actually need?
The gap is between technical experimentation and real economic value. Many RWA issuers (builders) focus on token mechanics, tokenomics, and complex DeFi systems, while token users and investors, especially institutions, seek credible infrastructure, legal clarity, and access to real assets.
Q. If you could redesign one part of today’s crypto ecosystem from scratch, what would you change and why?
Regulated RWA Tokens should seamlessly integrate with cryptocurrencies or stablecoins. This should begin with clear legal structures, regulations and standardised frameworks, so that every token represents real ownership and transparent rights supported by crypto payments. Once that foundation is in place, liquidity and adoption can rapidly grow.
About Wong Kok Hoe
Wong Kok Hoe is the Chief Growth Officer at Chintai, a Singapore-based fintech firm and licensed pioneer in regulated real-world asset (RWA) tokenisation. At Chintai, he focuses on expanding institutional adoption of blockchain infrastructure designed to modernise capital markets for banks, financial institutions, and asset managers. Previously, he served as Business Director at a Singapore-based digital asset exchange and Partnerships Director for a Swiss private bank in Asia, where he worked on strategic growth and cross-border financial partnerships.
