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Moondance Labs Team

Launching a Decentralized Credit Network: How Lumia Scales Real-World Assets with Tanssi Infrastructure

Lumia is reshaping how Real-World Assets (RWAs) such as art, real estate, luxury goods, and commodities—diamonds, aluminum, silver, and gold—are integrated into DeFi, with Tanssi's robust network infrastructure as a key enabler. Tanssi manages the technical complexity behind their decentralized network (also known as AVSs) operator pools, Ethereum-backed security through Symbiotic restaking, and provides a scalable, decentralized foundation.


This support allows Lumia to focus on tokenizing RWAs to unlock new opportunities, from using assets as collateral in lending protocols to generating returns in liquidity pools while ensuring seamless operability across blockchain ecosystems. With Tanssi handling critical infrastructure, Lumia is ready to launch its decentralized credit network and expand RWA accessibility and functionality in DeFi with confidence.

“Lumia is committed to integrating real-world assets into DeFi with reliability and scale. Working with Tanssi supports our infrastructure needs, allowing us to focus on building more accessible and functional DeFi solutions,” said Deniz Dalkilic, Chief Blockchain Architect at Lumia.

Lumia: Expanding RWA Utility in DeFi

Lumia’s zkEVM-based layer 2 platform unlocks new opportunities for real-world assets (RWAs) within DeFi. It enables several impactful applications for tokenized RWAs, including:


  • Collateralization: Lumia enables tokenized RWAs, like gold and real estate, to be used as collateral in DeFi lending protocols. By anchoring the tokenization process in legally backed custody agreements and strong identity verification (polygon ID), Lumia ensures these assets are secure and reliable for DeFi applications.

  • Yield Generation: Liquidity providers can add RWA tokens to Lumia's liquidity pools, earning yields through a balanced model where rewards reflect the underlying asset's value. This setup allows RWA investors to earn consistent, asset-backed returns, promoting market stability

  • Cross-Chain Availability: Lumia’s interoperability features allow RWA tokens to function across multiple blockchain networks, increasing their accessibility and liquidity across DeFi ecosystems.

  • Derivative Products: Lumia's deep liquidity infrastructure supports derivative products such as options and futures based on RWAs, allowing investors to trade and hedge with real-world assets. This provides DeFi users with risk management and portfolio diversification tools within a Web3 environment.


As Lumia scales its RWA applications, a major challenge lies in integrating Web2 data—such as credit scores—onto its platform in a way that preserves privacy and decentralization. For example, under-collateralized loans require private credit history data, but moving this information onto a public blockchain exposes sensitive details and undermines user trust. By leveraging zero-knowledge proofs, Lumia aims to verify credit scores without revealing the actual data, creating new DeFi opportunities that rely on secure, off-chain information.


How Tanssi's Infrastructure Supports Lumia’s RWA Network Deployment

Lumia’s ambitious plans to scale its RWA applications and integrate sensitive Web2 data require a robust, decentralized foundation. Tanssi steps in by managing the complex infrastructure—ranging from decentralized network operator pools to Ethereum-backed restaking through Symbiotic—providing Lumia with the backbone they need.

With Tanssi taking care of these technical challenges, Lumia can focus on expanding the accessibility and utility of RWAs in DeFi, accelerating their time to market and dedicating more resources to growth and innovation rather than infrastructure management.


By utilizing Tanssi’s infrastructure, Lumia benefits from:


  • Streamlined Deployment: Tanssi’s pre-configured templates and infrastructure tools allow Lumia to launch a decentralized network (AVS) in minutes.

  • Robust Security via Symbiotic Restaking: Lumia leverages a shared pool of Ethereum-backed decentralized network operators through Tanssi, eliminating the need to establish their own operator network. They can customize operator selection, staking terms, and slashing conditions, tailoring security to their needs while reducing overhead costs.

  • Customizability through Substrate: Tanssi’s Substrate frameworks give Lumia full control over network parameters, enabling them to customize governance, runtime upgrades, and consensus mechanisms to suit their specific use cases.

  • Optimized Scalability: Tanssi’s infrastructure ensures seamless network growth, with dedicated block production and dynamic resource allocation keeping performance high and costs predictable as demand grows.

The Road Ahead for Lumia and Tanssi

With Tanssi's infrastructure managing the technical complexities, Lumia is ready to redefine how real-world assets are integrated into decentralized finance. This partnership allows Lumia to focus on scaling its RWA applications while providing secure and efficient DeFi opportunities for all participants.


This use case will be live following Tanssi’s awaited mainnet launch in 2025. In the meantime, builders can experience Tanssi’s infrastructure firsthand through Dancebox, the live testnet that has already processed over 6 million transactions and registered more than 3,000 chains. The chain-launching experience available today is just the beginning—exciting features like full restaking integration with Symbiotic are on the horizon. Test the speed and efficiency of launching decentralized networks in minutes at apps.tanssi.network/dancebox.

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