Guido Rocco (RIV Technologies): “We’re no longer in the experimental stage, but in the first real-world applications.” An example? StablePay. Liquidity, transparency, and efficiency are driving a market expected to reach $2 trillion by 2030.
Translation of an article published in BeBeez Magazine no. 40 of March 28th, 2026
by Stefania Peveraro
Asset tokenization is moving beyond the experimental phase to enter the first concrete use cases, also driven by the growing interest of European institutions. The European Central Bank‘s recent announcement on the Appia project, which is part of the process already initiated with Pontes, goes precisely in this direction: building an infrastructure for the digital euro and, more generally, for the large-scale adoption of tokenized instruments.
In this context, tokenization is emerging as a technology capable of making traditionally illiquid assets liquid, improving accessibility, transparency, and efficiency. These three drivers are precisely the focus of Guido Rocco, COO of RIV Technologies, in Dubai, connected to BeBeez Live, BeBeez Web TV, in the fifth episode of the Digital Finance Files by RIV series, produced in partnership with BeBeez. This journey explores the evolution of decentralized finance and the growing role of technology operators like RIV, which are positioning themselves as enablers of the convergence between traditional finance and DeFi.es to adopt them, and the risks they entail, also illustrating RIV’s position on this trend.
Click here to see the video interview to Guido Rocco
Question. Let’s start with current events: what significance does the ECB’s announcement regarding the Appia project and, more generally, the tokenized euro have?
Answer. It’s a very interesting announcement because it fits into a broader trend: an increasingly strong interest in tokenization-related use cases. The ECB’s initiative regarding the digital euro and an infrastructure like Appia goes precisely in this direction and confirms that the topic is no longer theoretical, but increasingly concrete.
Q. So let’s get to the heart of the matter: what exactly does tokenizing an asset mean?
A. Tokenization is a technology that makes it possible to make initially non-liquid assets liquid. Through blockchain, a distributed ledger, it is possible to divide and make divisible assets such as real estate, works of art, watches, or financial assets. This lowers the minimum access threshold and expands the investor base.
Q. What are the main advantages for those who use these tools?
A. There are three main advantages. The first is liquidity: assets are fragmented, becoming more accessible and therefore more easily tradable. The second is transparency: blockchain guarantees complete traceability of transactions. The third is efficiency: thanks to smart contracts, processes that would be manual in the traditional world are automated, with benefits in terms of time and costs.
Q. RIV positions itself as a tech enabler of this transformation. What have you developed specifically?
A. We have developed a tokenization platform that allows for the simple tokenization of both financial instruments and non-financial assets. But more generally, we build products that integrate traditional finance and decentralized finance. The platform is just one tool: we have also developed a hybrid token, the RIV Coin, collateralised by real reserves, and a payment system, StablePay.
Q. How does StablePay work?
A. It’s a system that allows merchants to accept cryptocurrency payments easily and instantly. The key aspect is that the merchant receives fiat currency directly into their bank account. So, the operational complexity typical of cryptocurrencies is eliminated, while maintaining the benefits of the technology.
Q. So your role is to build infrastructure to connect the two worlds?
A. Exactly. We propose ourselves as a tech enabler to foster the convergence between traditional finance and decentralized finance. It’s a topic that’s been widely discussed, but is still only partially explored in terms of concrete use cases.
Q. Where are we today in the development of decentralized finance and tokenization?
A. We’re in a transition phase from experimentation to the first concrete cases. The technology isn’t yet fully mature, but real-world applications are starting to emerge. This is also the result of very proactive European regulation, with frameworks like MiCAR and the DLT Pilot directive.
Q. Are there already indications of the potential size of the market?
A. Yes, the estimates are very significant. According to McKinsey, by 2030, the market capitalization of tokenization-related projects could reach around $2 trillion. It’s a rapidly expanding market.
Q. However, the perception of the technology as complex remains. Is this a barrier to its diffusion?
A. The technology is complex, but that’s normal. Over time, it becomes increasingly accessible to the end user. The more it evolves, the easier it becomes to use. We’re in the early stages, but the process is typical of all technological innovations.
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Read here the previous issues of Digital Finance Files by RIV:
Digital Finance Files series by RIV – File #1 –
DeFi, the silent revolution changing the DNA of traditional finance
Digital Finance Files series by RIV – File #2 –
Stablecoins, reserves, and new finance: how RIV Technologies is building trust in tokens
Digital Finance Files series by RIV – File #3–
What’s Really Needed for the Token Market to Work?What’s Really Needed for the Token Market to Work?
