RWA stablecoin newcomer launches, how does Phoenix Finance solve the liquidity dilemma

2026-01-21 02:27:07

AI-driven RWA yield-stablecoin protocol Phoenix Finance officially announces the mainnet launch. This signifies a new stablecoin solution entering the market — not only providing basic payment functions but also generating yields for users through automatic compounding. In the increasingly competitive RWA (Real World Asset) sector, the dual-layer stablecoin design brought by this project is worth noting.

Two stablecoins, two different purposes

Phoenix Finance’s product lineup consists of two stablecoins:

Product	Functionality	Core Features
PUSD	Payment Stablecoin	Standard payment functions, price stability
yPUSD	Yield Stablecoin	Automatic compounding, interest accrual upon holding

The logic behind this design is clear: PUSD meets payment and transaction needs, while yPUSD offers returns for long-term holders. Users can choose between the two based on their needs, providing more flexibility than a single stablecoin solution.

How AI transforms RWA cash flows

Phoenix Finance’s core innovation lies in its technical architecture. The protocol uses AI models to reconstruct cash flows from real-world assets — which are typically low-frequency, discrete, and difficult to standardize. Through AI processing, these fragmented cash flows are transformed into standardized, continuous on-chain yields.

This addresses a pain point in the RWA sector: asset liquidity fragmentation. Real-world assets are inherently discrete; enabling them to generate liquidity on-chain has always been a challenge. Phoenix’s approach is to use technology to “standardize” the yields of these assets, allowing the creation of tradable, liquid yield products on-chain.

Upcoming key milestones

Phoenix Finance has completed security hardening and Sherlock audits, laying a foundation for mainnet operation. There are two important upcoming milestones:

January 26th: Launch of Season 0 points system activity, aimed at incentivizing early liquidity and user engagement
February 10th: Showcase at the Consensus main conference, presenting ecosystem expansion plans

The launch of the Season 0 points system indicates that the project is entering the ecosystem development phase. Such incentive activities are typically used to attract initial users and liquidity, laying the groundwork for future tokenomics design.

Market significance and future observations

From an industry perspective, Phoenix Finance represents a new exploration direction in the RWA sector — not simply mapping real assets onto the chain, but leveraging technology to make asset yields fluid on-chain. If effectively implemented, this approach could bring new liquidity sources to the RWA market.

It is also important to observe how the project validates its technical solutions in actual operation. The mainnet launch is just the beginning; the real test lies in attracting sufficient RWA assets and ensuring that yPUSD’s yield sources are stable and sustainable.

Summary

Phoenix Finance’s mainnet launch marks another RWA solution entering the practical stage. The dual-layer stablecoin design, AI-driven cash flow processing, and comprehensive security audits combine to offer a new option for the market. The upcoming 5-day Season 0 points system launch will be an important window to observe the project’s early appeal. For investors interested in the RWA sector and stablecoin innovation, this is a project worth following closely.

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