# 8.1 竞品对比

<table data-header-hidden><thead><tr><th width="73"></th><th width="92"></th><th width="74"></th><th></th><th width="110"></th><th></th><th></th></tr></thead><tbody><tr><td>项目</td><td>定位</td><td>资产类别覆盖</td><td>参与主体</td><td>流动性承接</td><td>限制/不足</td><td>与 XUnit 的差异</td></tr><tr><td>MakerDAO</td><td>去中心化稳定币 DAI，抵押支持 RWA</td><td>国债、票据</td><td>机构为主</td><td>RWA 作为 DAI 抵押物</td><td>无统一 NFT 标准，零售缺乏入口</td><td>XUnit 提供 NFT 确权与零售化接入</td></tr><tr><td>Ondo Finance</td><td>RWA 收益型产品发行平台</td><td>美国国债、货币基金</td><td>合格投资人</td><td>自有平台二级市场</td><td>高度依赖合规豁免，地域受限</td><td>XUnit 面向全球零售，去中心化分发</td></tr><tr><td>Centrifuge</td><td>供应链金融 &#x26; 应收账款代币化</td><td>发票、债权</td><td>企业 &#x26; 机构</td><td>Tinlake 专属平台</td><td>场景过窄，资产碎片化</td><td>XUnit 跨资产类别统一标准</td></tr><tr><td>RealT</td><td>房地产碎片化投资</td><td>房地产</td><td>零售用户</td><td>平台内 OTC 市场</td><td>依赖中心化托管，流动性不足</td><td>XUnit 将房地产纳入 DeFi 流动性层</td></tr><tr><td>Goldfinch</td><td>无抵押贷款协议</td><td>借贷</td><td>新兴市场借款方</td><td>自有流动性池</td><td>债务风险高，扩展有限</td><td>XUnit 更广泛的资产类别覆盖</td></tr><tr><td>XUnit</td><td>RWA-NFT 基础设施协议</td><td>跨资产（地产、碳、票据、艺术）</td><td>零售 + 机构</td><td>NFT → F-NFT → DeFi 全链路</td><td>尚处早期冷启动阶段</td><td>差异化：NFT 确权、跨资产标准化、X Layer 原生</td></tr></tbody></table>


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