Historically, investing was not designed for broad participation. Early capital markets were largely dominated by institutions, wealthy families, and insiders who had the connections and wealth necessary to access these exclusive opportunities. But over time, this structure began to change.
The expansion of public markets, the emergence of brokerage accounts, and the digitization of trading platforms have opened new horizons for Investment. For the first time, a broader segment of the population could buy shares in a company, hold bonds, and participate in financial growth beyond their immediate reach.
Investment has become an easily accessible component of economic life. But in reality, this expansion was never completed.
On March 23, Larry Fink was released President’s annual messageDescribing the growing imbalance in the system, he noted that “capitalism works, but not for enough people.” Although financial markets have generated significant returns, these gains have largely remained central to individuals and institutions that already own assets. Many workers, despite their participation in the broader economy, remain on the margins of capital markets and do not benefit from these pathways to wealth creation.
In the same letter, Fink also framed tokenization as a potential upgrade for financial systems that have long limited how markets can be accessed and regulated. By recording ownership of assets, such as bonds, money, real estate, and other commodities on-chain, tokenization can make it easier to issue, transfer, and access these assets.
As of early 2026, more than 5.2 billion People globally are using some form of digital wallet, shifting the point of access to financial services away from traditional institutions and towards user-owned platforms. Tokenization allows investment products to reach people through the digital wallets they already use.
In his letter, Fink compared the current stage of coding to the early days of the Internet. In the mid-1990s, the Internet had not replaced newspapers, banks, retailers, or telecommunications networks. Instead, it creates new paths that connect systems that previously operated in silos, making information distribution cheaper and more accessible.
Coding has similar capabilities. Although they may not replace traditional markets overnight, they are changing their underlying infrastructure by making it easier to issue, transfer and hold assets across digital platforms. Just as the Internet has turned information into something that can be transmitted globally, tokenization makes ownership more accessible across financial systems, opening up investment opportunities for people who previously lacked access to them.
However, improving access requires more than just digitizing ownership. Token assets must operate within regulatory frameworks, maintain investor protection, and integrate with the trading and lending systems that support their life cycle. Without this foundation, tokenization may become another technology layer that does little to change how markets work or who they serve.
This is where purpose-built infrastructure becomes relevant. Maverick NetworkFor example, it is a layer-one blockchain designed specifically for real assets, helping to reduce traditional barriers to assets such as real estate. Its approach reflects the idea that token RWAs cannot be treated like regular crypto tokens. It needs infrastructure capable of supporting regulated issuance, custody, trading and lending processes from the beginning, so that assets can move up the chain without losing the legal and financial constraints that give them value in the real world. In doing so, Maverick prepares these assets to interact with enterprise level systems while still making them accessible to a wider range of users, creating a more interconnected ecosystem.
As financial systems continue to evolve, the question is not only how markets work, but also who they are created to serve. Fink’s argument ultimately situates tokenization within this discussion, as part of a broader effort to address the growing gap between those who participate in financial growth and those who do not.
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