Hedera is now protecting over $5 billion in commercial real estate represented by tokens and conducting live bank experiments for cross-border stablecoin payments, according to an in-depth year-end analysis from research and trading firm CryptoCharge.
In their "After Hours" program, hosts Gavin and **Matt** – known for their fundamentals-focused approach and a core list of five coins – spent the entire episode discussing Hedera's trajectory for 2025, noting HBAR as a network that "will stand the test of time" and that they actively hold.
### HBAR Finance: Stablecoins, real-world assets, and represented guarantees
The hosts highlighted the most significant developments in traditional finance:
- AUDD, described as the first stablecoin pegged to the Australian dollar natively issued on Hedera, uses Hedera Stablecoin Studio in the Asia-Pacific region.
- USDC has also been deployed on Hedera Hashgraph, giving the network one of the two dominant stablecoins linked to the dollar.
Regarding real-world assets (RWA):
- RedSwan: Representation of commercial real estate, now "over $5 billion represented" on Hedera, enabling fractional ownership and global access.
- Archax: A regulated platform issuing and trading represented securities and money market funds, with names like Lloyds participating for guarantees and margins in real time in foreign exchange derivatives.
- Diamond Standard: Unified represented diamond collections across Hedera Token Service for fractional ownership and rapid trading.
Matt paused at Lloyd's of London as an important signal: once those types of insurance documents are represented, they can be used as collateral in DeFi pools, effectively turning specialized insurance contracts into on-chain lendable assets.
Banks are already conducting experiments. A stablecoin transfer experiment involves Shinhan Bank, Standard Bank, and **SCB TechX** using Hedera Token Service for real-time settlement and integration with foreign exchange, directly targeting cross-border payments.
### Climate, data, and AI use the HBAR network as an audit layer
The episode also covered a range of carbon removal projects and data integrity:
- B4E / Carbon N2N: Digital MRV tools (measurement, reporting, verification) with immutable emissions data and AI-driven forecasts linked to Hedera.
- Verra integration via Hedera Guardian: Managing carbon projects "digital-first" and methodologies on-chain.
- Hyundai Motor Group: Tracking immutable carbon emissions on Hedera.
On the data side:
- Supply chain and logistics tracking for consumer goods (including efforts linked to **Mondelēz**).
- EarthID and **Neuron**: Decentralized identity (DID), verifiable credentials, and automated payments between machines.
- Chainlink integration to provide secure data feeds, proof of reserves, and cross-chain compatibility.
Central Bank Digital Currencies (CBDCs) and **DID** have been recognized as contentious, but the hosts consider them "inevitable." The key question is which public networks governments and institutions will choose – and which assets will benefit from that flow.
AI was another topic: Hedera is used to record immutable decisions of AI agents (Hedera Foundation and Equity Labs) and for verifiable computation associated with Nvidia Blackwell and Intel hardware.
### Market Outlook: HBAR price in "Value Zone", DCA returns
HBAR has dropped almost 71% from its peak in December 2024, trading between key technical levels.
Matt described the area as a "structural value" around $0.08-$0.10, citing multiple historical rejections and support clusters. A recovery to $0.12-$0.13 would show a more positive structure.
Using Fibonacci projections at the cycle level, charting the upside potential from those levels to:
- ~8-9x at extension 1.618
- ~14x at 2.618
- ~23x at full extension, under favorable cycle conditions
Gavin revealed that he has reactivated his DCA for HBAR on November 22, targeting to make HBAR one of his top two holdings alongside XRP by 2026.
Both claimed that HBAR is now one of the few major companies with live institutional experiences, a stack of RWA, and functioning stablecoins, showcasing ETFs through new instant HBAR products.
Disclaimer: This article is for informational purposes only and is not investment or financial advice. Trading in cryptocurrencies involves high risks, and prices can vary significantly. Always do your own research.
@Binance Square Official $HBAR
