# Whitepaper ## Xend Finance WhitePaper - [1.0 Introduction](https://whitepaper.xend.finance/1.0-introduction.md) - [1.1 Migration from XEND to RWA](https://whitepaper.xend.finance/1.0-introduction/1.1-migration-from-xend-to-rwa.md) - [1.2 New Vision - Xend V2 and Xend V3](https://whitepaper.xend.finance/1.0-introduction/1.2-new-vision-xend-v2-and-xend-v3.md) - [1.2.1 Principles overview](https://whitepaper.xend.finance/1.0-introduction/1.2-new-vision-xend-v2-and-xend-v3/1.2.1-principles-overview.md) - [1.2.2 Xend V2 & V3 - Roadmaps](https://whitepaper.xend.finance/1.0-introduction/1.2-new-vision-xend-v2-and-xend-v3/1.2.2-xend-v2-and-v3-roadmaps.md) - [1.2.3 Xend V2 Roadmap](https://whitepaper.xend.finance/1.0-introduction/1.2-new-vision-xend-v2-and-xend-v3/1.2.3-xend-v2-roadmap.md) - [1.2.4 Xend V3 Roadmap](https://whitepaper.xend.finance/1.0-introduction/1.2-new-vision-xend-v2-and-xend-v3/1.2.4-xend-v3-roadmap.md) - [2.0 OAE - Onchain Assets Environment](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment.md) - [2.1 OAE Core Idea](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.1-oae-core-idea.md) - [2.2 OAE Framework](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.2-oae-framework.md) - [2.3 OAE - Products Overview](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview.md): The OAE consists of the following product stack: - [2.3.1 Asset Chain](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview/2.3.1-asset-chain.md) - [2.3.2 Origin Studio](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview/2.3.2-origin-studio.md) - [2.3.3 Social Hub](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview/2.3.3-social-hub.md) - [2.3.4 Xend Connect](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview/2.3.4-xend-connect.md) - [2.3.5 GOR](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview/2.3.5-gor.md) - [2.3.6 Xend Solutions](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.3-oae-products-overview/2.3.6-xend-solutions.md) - [2.4 Asset Smart Contract](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.4-asset-smart-contract.md) - [2.5 IAC Framework](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.5-iac-framework.md) - [2.5.1 Importance Of IAC to OAE](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.5-iac-framework/2.5.1-importance-of-iac-to-oae.md) - [2.5.2 (b) IAC in Practice](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.5-iac-framework/2.5.2-b-iac-in-practice.md) - [2.6 Asset Credibility](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.6-asset-credibility.md) - [2.6.1 Authentication Rating](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.6-asset-credibility/2.6.1-authentication-rating.md) - [2.6.2 Compliance Rating](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.6-asset-credibility/2.6.2-compliance-rating.md) - [2.6.3 Asset Insurance Rating](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.6-asset-credibility/2.6.3-asset-insurance-rating.md) - [2.6.4 Events Mirroring](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.6-asset-credibility/2.6.4-events-mirroring.md) - [2.6.5 Visual Summary](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.6-asset-credibility/2.6.5-visual-summary.md) - [2.7 IAC Partners](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.7-iac-partners.md) - [2.7.1 IAC Provider](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.7-iac-partners/2.7.1-iac-provider.md) - [2.7.2 Conflict Resolution Process](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.7-iac-partners/2.7.2-conflict-resolution-process.md) - [2.7.3 I - AC Interdependence](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.7-iac-partners/2.7.3-i-ac-interdependence.md) - [2.8 Assets Policy in OAE](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae.md) - [2.8.1 Web3 Token Issues](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.1-web3-token-issues.md) - [2.8.2 AssetChain 10 Cardinal Rules](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.2-assetchain-10-cardinal-rules.md) - [2.8.3 Assets As Smart Contracts, Tokens As Rights](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.3-assets-as-smart-contracts-tokens-as-rights.md) - [2.8.4 Verifiable Legal Binding](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.4-verifiable-legal-binding.md) - [2.8.5 Intrinsic Legalization](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.5-intrinsic-legalization.md) - [2.8.6 Multi-Level Asset & Token Structures](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.6-multi-level-asset-and-token-structures.md) - [2.8.7 Token Bonding](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.7-token-bonding.md) - [2.8.8 Separating Ownership, Possession And Holding](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.8-separating-ownership-possession-and-holding.md) - [2.8.9 Structured Asset Administration Policy](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.8-assets-policy-in-oae/2.8.9-structured-asset-administration-policy.md) - [2.9 AssetChain - 4 Execution Levels](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.9-assetchain-4-execution-levels.md) - [2.10 P2P Lending In OAE](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.10-p2p-lending-in-oae.md) - [2.10.1 Basics of P2P lending](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.10-p2p-lending-in-oae/2.10.1-basics-of-p2p-lending.md) - [2.10.2 Appraisers And Custodians](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.10-p2p-lending-in-oae/2.10.2-appraisers-and-custodians.md) - [2.10.3 Xend Fundraising Platform On OAE](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.10-p2p-lending-in-oae/2.10.3-xend-fundraising-platform-on-oae.md) - [2.11 AI Stack](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.11-ai-stack.md) - [2.11.1 Watchdogs](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.11-ai-stack/2.11.1-watchdogs.md) - [2.11.2 Assistants](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.11-ai-stack/2.11.2-assistants.md) - [2.11.3 Improvers](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.11-ai-stack/2.11.3-improvers.md) - [2.11.4 Concepts](https://whitepaper.xend.finance/2.0-oae-onchain-assets-environment/2.11-ai-stack/2.11.4-concepts.md) - [3.0 Xend Browser](https://whitepaper.xend.finance/3.0-xend-browser.md) - [3.1 One-4-All](https://whitepaper.xend.finance/3.0-xend-browser/3.1-one-4-all.md) - [3.2 NodeOs](https://whitepaper.xend.finance/3.0-xend-browser/3.2-nodeos.md) - [3.3 Subnet](https://whitepaper.xend.finance/3.0-xend-browser/3.3-subnet.md) - [3.4 Explorer](https://whitepaper.xend.finance/3.0-xend-browser/3.4-explorer.md) - [3.5 Node Enterprise](https://whitepaper.xend.finance/3.0-xend-browser/3.5-node-enterprise.md) - [3.6 e-Admin](https://whitepaper.xend.finance/3.0-xend-browser/3.6-e-admin.md) - [3.7 NodeBox](https://whitepaper.xend.finance/3.0-xend-browser/3.7-nodebox.md) - [4.0 Progressive Synchronization (V3)](https://whitepaper.xend.finance/4.0-progressive-synchronization-v3.md) - [4.1 Objectives Of The IAC Councils](https://whitepaper.xend.finance/4.0-progressive-synchronization-v3/4.1-objectives-of-the-iac-councils.md) - [4.2 Progressive Adoption Of Public AssetChains](https://whitepaper.xend.finance/4.0-progressive-synchronization-v3/4.2-progressive-adoption-of-public-assetchains.md) - [4.3 Progressive Adoption Of Public Subnets](https://whitepaper.xend.finance/4.0-progressive-synchronization-v3/4.3-progressive-adoption-of-public-subnets.md) - [4.4 OAE Marketplace](https://whitepaper.xend.finance/4.0-progressive-synchronization-v3/4.4-oae-marketplace.md) - [Practical Use Cases](https://whitepaper.xend.finance/practical-use-cases.md): OAE - Practical Use Cases - [Business & Banking](https://whitepaper.xend.finance/practical-use-cases/business-and-banking.md) - [Real Estates](https://whitepaper.xend.finance/practical-use-cases/real-estates.md) - [Compliance - by - Design](https://whitepaper.xend.finance/practical-use-cases/compliance-by-design.md) - [Tokenization Beyond Ownership](https://whitepaper.xend.finance/practical-use-cases/tokenization-beyond-ownership.md) - [Global Assets Accessibility](https://whitepaper.xend.finance/practical-use-cases/global-assets-accessibility.md) - [Green Impact](https://whitepaper.xend.finance/practical-use-cases/green-impact.md) - [Software, Gaming and Entertainment](https://whitepaper.xend.finance/practical-use-cases/software-gaming-and-entertainment.md) - [Global Transparency and E-Administration](https://whitepaper.xend.finance/practical-use-cases/global-transparency-and-e-administration.md) - [RWA (OAE) Token Economy 1.0](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0.md): Tokenized economy of Onchain Assets Environment, fueled by Real World Assets (RWA) Token. - [RWA Token](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/rwa-token.md) - [RWA Economy Ecosystem Participants](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/rwa-economy-ecosystem-participants.md) - [RWA Staking](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/rwa-staking.md) - [RWA Incentives](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/rwa-incentives.md) - [RWA LP Tokens, Market Makers, & Trading Competitions](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/rwa-lp-tokens-market-makers-and-trading-competitions.md) - [Gamification Of OAE User Experience](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/gamification-of-oae-user-experience.md) - [RWA Token Utilities](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/rwa-token-utilities.md) - [OAE & RWA Macro-Economy](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/oae-and-rwa-macro-economy.md) - [Future Legal Status Of RWA Tokens](https://whitepaper.xend.finance/rwa-oae-token-economy-1.0/future-legal-status-of-rwa-tokens.md) - [Litepaper](https://whitepaper.xend.finance/litepaper.md) - [Solving ASR Issue](https://whitepaper.xend.finance/litepaper/solving-asr-issue.md) - [OAE From User Standpoint](https://whitepaper.xend.finance/litepaper/oae-from-user-standpoint.md) - [Xend Solutions](https://whitepaper.xend.finance/litepaper/xend-solutions.md) - [Future Roadmap](https://whitepaper.xend.finance/litepaper/future-roadmap.md) - [Appendices](https://whitepaper.xend.finance/appendices.md) - [Appendix A: Understanding RWA](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa.md) - [Assets Classification](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/assets-classification.md) - [Narrow Understanding Of RWA](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/narrow-understanding-of-rwa.md) - [Wide Understanding Of RWA](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/wide-understanding-of-rwa.md) - [UWA - Unreal World Asset](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/uwa-unreal-world-asset.md) - [RWA versus UWA - They Key Difference Lies In Legal Context](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/rwa-versus-uwa-they-key-difference-lies-in-legal-context.md) - [Examples Of RWAs Definitions Incoherence](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/examples-of-rwas-definitions-incoherence.md) - [Key Takeaways](https://whitepaper.xend.finance/appendices/appendix-a-understanding-rwa/key-takeaways.md) - [Appendix B: Digitization vs Tokenization](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization.md) - [Existence vs Ownership](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/existence-vs-ownership.md) - [Hierarchy Of Terms](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/hierarchy-of-terms.md) - [Digitation Of Asset](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/digitation-of-asset.md) - [Documenting The Asset](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/documenting-the-asset.md) - [Tokenization Of The Asset On Gen2 Blockchain](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/tokenization-of-the-asset-on-gen2-blockchain.md) - [Legal Causality Of Gen2 Tokenized Asset](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/legal-causality-of-gen2-tokenized-asset.md) - [Key Takeaways](https://whitepaper.xend.finance/appendices/appendix-b-digitization-vs-tokenization/key-takeaways.md) - [Appendix C: Rise Of AssetChains](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains.md) - [Theses A](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains/theses-a.md) - [Theses B](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains/theses-b.md) - [Theses C](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains/theses-c.md) - [Theses D](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains/theses-d.md) - [Theses E](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains/theses-e.md) - [Theses F](https://whitepaper.xend.finance/appendices/appendix-c-rise-of-assetchains/theses-f.md) - [Appendix D: Brief Analysis On Who Owns The Internet](https://whitepaper.xend.finance/appendices/appendix-d-brief-analysis-on-who-owns-the-internet.md) - [Appendix E: Market Research](https://whitepaper.xend.finance/appendices/appendix-e-market-research.md) - [RWA Solutions - Scope Of Work Overview](https://whitepaper.xend.finance/appendices/appendix-e-market-research/rwa-solutions-scope-of-work-overview.md) - [Centralized](https://whitepaper.xend.finance/appendices/appendix-e-market-research/rwa-solutions-scope-of-work-overview/centralized.md) - [Decentralized](https://whitepaper.xend.finance/appendices/appendix-e-market-research/rwa-solutions-scope-of-work-overview/decentralized.md) - [In-depth Scope Comparison](https://whitepaper.xend.finance/appendices/appendix-e-market-research/rwa-solutions-scope-of-work-overview/in-depth-scope-comparison.md) - [Statistics](https://whitepaper.xend.finance/appendices/appendix-e-market-research/statistics.md) - [CEFI - Territorial Coverage](https://whitepaper.xend.finance/appendices/appendix-e-market-research/statistics/cefi-territorial-coverage.md) - [CEFI - Funding Ranges Popularity](https://whitepaper.xend.finance/appendices/appendix-e-market-research/statistics/cefi-funding-ranges-popularity.md) - [CEFI - Funding Values Breakdown](https://whitepaper.xend.finance/appendices/appendix-e-market-research/statistics/cefi-funding-values-breakdown.md) - [Visual Data Metrics](https://whitepaper.xend.finance/appendices/appendix-e-market-research/statistics/visual-data-metrics.md) - [Research Summary](https://whitepaper.xend.finance/appendices/appendix-e-market-research/research-summary.md) - [FAQs](https://whitepaper.xend.finance/faqs.md)