> For the complete documentation index, see [llms.txt](https://docs.rwa.vip/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rwa.vip/vi.-rwa-ecosystem-ecosystem-construction-plan/defi3.0-core-upgrade.md).

# DeFi3.0 Core Upgrade

#### <mark style="color:blue;">On-chain and Off-chain Integration:</mark>&#x20;

The popularization of RWA tokenization combines real-world assets (such as real estate, bonds, receivables, etc.) with blockchain tokens. This not only enhances the value support for DeFi but also extends DeFi scenarios from virtual assets to the real economy.

#### <mark style="color:blue;">Multi-protocol Integration:</mark>&#x20;

Integrated financial services, from decentralized lending protocols to cross-chain gateway payment protocols. DeFi 3.0 emphasizes the concept of "one-stop financial integration," covering a variety of financial scenarios such as DEX, payments, lending, wealth management, and more.

#### <mark style="color:blue;">Financial Infrastructure Development:</mark>&#x20;

The birth of on-chain banking protocols brings core functions of traditional banks—such as deposits, loans, payments, and cross-border remittances—onto the blockchain, seamlessly integrating with traditional banking services and forming the 2.0 version of on-chain banking.


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