Ant Financial-backed R25 has launched a new yield-bearing stablecoin, rcUSD+, on the Polygon blockchain, offering DeFi users a stable, income-generating digital asset.
Key Takeaways
- R25 has introduced rcUSD+, a stablecoin that maintains a $1 peg while earning passive yield through real-world financial instruments.
- Polygon is the first blockchain partner, giving rcUSD+ access to a fast, scalable network with low fees.
- rcUSD+ generates yield from money market funds and structured notes, addressing the demand for institutional-grade DeFi tools.
- Analysts see this launch as part of a broader trend where tokenized real-world assets are bridging the yield gap between traditional finance and crypto.
What Happened?
R25, a stablecoin and real-world asset (RWA) protocol backed by Ant Financial, launched its platform on the Polygon network with the debut of rcUSD+. This yield-bearing stablecoin is designed to hold a 1:1 dollar peg while offering passive income through diversified investments like money market funds and structured financial instruments.
Institutional-grade assets need institutional-grade rails.
— Polygon (@0xPolygon) November 14, 2025
R25 Protocol has officially launched on Polygon as its first and preferred EVM chain, introducing its rcUSD+ yield-bearing token, backed by a professionally managed portfolio of RWAs.
TradFi yield, now flowing into… pic.twitter.com/9eeg1f5sb4
How rcUSD+ Works and What It Offers?
rcUSD+ is part of a growing class of stablecoins that combine price stability with income generation. Unlike traditional stablecoins that merely hold their peg, rcUSD+ earns yield automatically, giving holders a way to grow their assets without active trading or staking.
Key Features:
- Stable $1 Peg: Ensures price stability even in volatile markets.
- Built-in Yield: Passive income is generated from real-world financial instruments like money market funds and structured notes.
- DeFi Compatibility: rcUSD+ can be used across Polygon’s DeFi ecosystem for lending, collateralization, and liquidity provision.
- Low Transaction Costs: Polygon’s Layer 2 scaling solution offers fast and affordable transactions.
Institutional-Grade Design and Credit Enhancements
The launch reflects growing institutional interest in tokenized assets and compliant yield strategies. According to R25, rcUSD+ includes multiple layers of credit enhancements to improve its risk profile and protect against volatility or credit events. This structure is expected to make the stablecoin more appealing to both retail and institutional users.
Polygon co-founder Sandeep Nailwal commented that the collaboration aims to bring “institutional-quality real-world assets” onchain. He emphasized that R25’s risk-managed structure would offer significant value to users and the wider DeFi ecosystem.
Growing Demand for Tokenized Yield
Analysts from RedStone highlighted that products like rcUSD+ are helping close the gap between traditional finance and crypto in terms of income generation. They pointed out that only 8% to 11% of crypto assets currently generate yield, compared to 55% to 65% in traditional finance. This new generation of yield-bearing stablecoins could help balance that disparity as RWA adoption accelerates.
A report by Standard Chartered estimates that the market for tokenized real-world assets could soar to $2 trillion by 2028, up from roughly $35 billion today. While Ethereum is expected to host most of this activity, networks like Polygon are positioning themselves to capture significant market share thanks to their lower fees and faster throughput.
CoinLaw’s Takeaway
In my experience, most stablecoins do one thing well: maintain a peg. But rcUSD+ is pushing the envelope by adding yield generation to the mix, giving users a way to earn passively without taking on major risk. I found the Polygon partnership especially smart because low fees and high speed matter when you’re dealing with DeFi. If you’re a crypto investor looking for safer yield opportunities, this could be a solid option. And with Ant Financial backing the protocol, there’s added credibility behind the scenes. It’s early days, but rcUSD+ could represent the next step in the evolution of stable assets.
