Reformasi Financial Flow melalui Tokenisasi Real World Asset (RWA): Studi Literatur tentang Model Inovasi PT Teknologi Gotong Royong

Abstract

The development of blockchain technology in recent years has brought significant changes to the global financial system, particularly in the concept of Real World Asset (RWA) tokenization. Tokenization enables real assets such as property, commodities, and securities to be represented in the form of digital tokens that can be traded securely, efficiently, and transparently on blockchain networks. This study aims to conduct an in-depth analysis of financial flow reform through the implementation of RWA tokenization, highlighting innovations carried out by PT Teknologi Gotong Royong as a case study in Indonesia. A qualitative approach was applied, supported by a literature review method and an exploratory-descriptive research design. Data sources include the official website of PT Teknologi Gotong Royong, Bank Indonesia’s BSPI 2030 publication (2024), monetary policy reports, and relevant academic journals. The content analysis method was used, consisting of data reduction, data presentation, and conclusion drawing.  The results of the analysis indicate that RWA tokenization has the potential to reform financial flow systems by creating cross-border transaction efficiency, reducing operational costs, strengthening asset transparency, and enhancing integration between traditional financial systems and blockchain technology. The implications of tokenization for national payment systems and monetary policy also demonstrate positive potential for economic efficiency and financial inclusion in Indonesia. This study provides both theoretical and practical contributions to understanding the direction of digital financial system transformation in the era of blockchain-based economy.