In the current investment market, many ordinary investors face a common dilemma: they want to diversify their investments in physical assets ( RWA ), but are often hindered by high thresholds. The experience of an ordinary office worker has drawn people's attention to this issue. He discovered that purchasing a trap tokenized apartment requires $100,000, while investing in a stock ETF requires $5,000, which is clearly beyond his means, as he only has $1,000 in disposable funds.

This phenomenon reflects the common challenges faced by individual investors in the RWA sector. Although the total investable assets held by global individual investors exceed $50 trillion, the proportion that can be invested in RWA is less than 1%. There are mainly three reasons for this situation:

First, there are technical barriers. Investing in various RWAs often requires opening accounts on different platforms and purchasing assets, lacking a unified "one-click combination" feature. For example, if an investor wants to invest in real estate, stocks, and bonds simultaneously, they may need to register accounts on multiple platforms and manage multiple sets of passwords, which undoubtedly increases the complexity of operations.

Secondly, there are compliance requirements. Different types of RWA have different requirements for investor qualifications. For example, stock investments may require investors to have a net worth of 1 million USD, while real estate investments may require local identity. These strict entry barriers have caused many individual investors to lose the opportunity to participate. Even if the conditions are met, the cumbersome KYC (Know Your Customer) process can also be daunting.

Finally, there is a lack of professional knowledge. Many individual investors do not possess the expertise needed for reasonable asset allocation. They find it difficult to determine how to allocate funds across different asset classes such as real estate, stocks, and bonds, and are unclear about how to adjust their investment strategies during market fluctuations. This lack of professional knowledge can lead to poor investment performance and even losses.

In response to these issues, Plume has proposed an innovative solution - the "Personal RWA Portfolio Tool". This tool is designed to allow small investors to participate in RWA investments, breaking the traditional high barriers to entry. Through this platform, investors can more conveniently engage in diversified RWA investments without facing the cumbersome operations across multiple platforms and complex compliance requirements.

Plume's solution not only simplifies the investment process but also provides guidance on asset allocation for investors lacking professional knowledge. This innovative model is expected to help more individual investors overcome the barriers to RWA investment, achieving diversification and risk dispersion in their portfolios.

As innovative solutions like Plume continue to emerge, we can expect the future RWA investment market to become more inclusive and widespread. This not only benefits individual investors in expanding their investment channels but may also bring more vitality and opportunities to the entire RWA market.