3 min readJan 22, 2024


  • Unlockd is building the first permissionless lending and borrowing protocol for RWAs.
  • The platform will bring instant, safe RWA-collateralized loans to everyone.
  • Our roadmap is centered around integrating with blockchain-enabled platforms, expanding our network of key partners, and driving innovation to meaningfully reshape RWA finance.
  • In 2024, we’ll be providing transformative access to liquidity in tokenized assets in real estate, watches, luxury items and fashion, cards, sneakers, and other collectibles.
  • Stay updated on our upcoming second community airdrop campaign and token launch by following us on X and joining our Discord.

In December 2023, we unveiled the new Unlockd, announcing the integration of real-world assets (RWAs) into our platform.

This integration not only diversifies the Unlockd offering but supercharges our impact in unlocking value for users in the tokenized economy.

Institutional investors have to date been the prime beneficiaries of gated, centralized lending and borrowing based on RWA tokenization, with retail investors largely relegated to the sidelines.

Unlockd is leveling the playing field to enable everyone to participate in the $16 trillion RWA opportunity.

We’re opening up abundant new avenues for liquidity beyond legacy finance and existing RWA solutions that serve institutions yet exclude retail users.

With financial inclusion as our north star, Unlockd is building an open, transparent, and permissionless solution that makes RWA finance accessible for anyone.

Users only need a wallet and are able to retain asset ownership and utility.

By leveraging AI and machine learning, we’re bringing advanced pricing engines with dynamic real-time loan assessment to RWAs, enabling instant and smart RWA-backed lending and borrowing.

Today, we’re delighted to delve into the upcoming developments for Unlockd in 2024 that will catalyze the next phase of growth for the platform and empower users to take full advantage of the breakthrough paradigm shift that RWAs represent.


As we enter the next chapter of Unlockd, smart integrations, strategic partnerships, continued innovation, and expanded marketing are fundamental to our progress.

Since our inception, we have forged integration partnerships with leading decentralized apps and protocols to maintain reliable, high-quality data and robust infrastructure.

Ensuring the accuracy of billions of data points and the scalability and speed of our platform is essential as we expand and undertake advanced collateral appraisal across multiple RWA classes.

Tokenization app partners and data providers are key to our capability to calculate asset valuations and smart Loan-To-Value ratios that adapt to market fluctuations in real-time.

Integrating faster blockchain technologies, advanced data management, and asset streaming capabilities through infrastructure partners is also critical to providing the best user experience as we increase retail adoption and loan transaction volume.

Unlockd will continue to form and nurture strategic partnerships to gain insights to inform protocol-level decisions, broaden product offerings, and enhance platform and feature development.

We are strategically positioning Unlockd for future expansion and value capture, aiming to grow users and scale through partnerships with tokenized RWA ecosystems and marketing campaigns to raise awareness of Unlockd, our vision, and our upcoming token launch.

Without further ado, here’s our technical roadmap for 2024 and beyond:

Q1 2024

  • Sablier
  • UToken (RepayDebt and Redeem)
  • Halborn audit amendments
  • V2 deployment
  • Polygon deployment
  • Airdrop campaign?

Q2 2024

  • ERC-1155
  • 4K
  • Polygon deployment
  • Superfluid integration
  • Variable and fixed rates
  • Interest rate swaps

Q3 2024 & Beyond

  • ERC-20 RWA protocol integration
  • Token?
  • Cross-chain loans
  • Cross-chain liquidity
  • Flash loans
  • Fungible tokens as collateral


Stay updated on our journey as we take unprecedented strides toward creating permissionless, simple, and instant RWA lending and borrowing.

For more announcements, including details of our upcoming second community airdrop campaign, follow Unlockd on X and join our community in Discord.

Website | Twitter | Discord




The only permissionless protocol for Real World Assets liquidity. Fair and secure instant loans, powered by AI.