Hong Kong, September 17, 2026 — Emerging markets such as Latin America offer abundant private credit opportunities, and a growing number of investors across various markets are eager to share in their development gains. However, compliant and convenient products of this kind have long been scarce. To address this supply-demand gap, EX.IO Group, a digital asset solutions group bridging traditional finance (Web2) and the Web3 ecosystem, and Oria, a real-world asset (RWA) investment platform, today jointly announced a strategic partnership to innovatively empower emerging market assets through RWA tokenization and collaboratively build a compliant full-chain RWA ecosystem spanning issuance, listing, distribution, and custody — giving investors in more markets the opportunity to safely and compliantly share in the development gains of emerging markets.
Emerging Market Credit Holds Considerable Potential as Investor Demand Surges but Similar Products Remain Scarce
Emerging markets such as Latin America are generating a wealth of credit investment opportunities, with scale continuing to expand. According to International Finance Corporation (IFC) statistics, the financing gap for micro, small, and medium enterprises in emerging markets stands at $5.7 trillion, while private credit yields in emerging markets exceed those in developed markets by 150 to 300 basis points, offering considerable spread. Meanwhile, the net debt-to-EBITDA ratio for corporates in Latin America's high-yield market is approximately 2.8x, with interest coverage of 5.4x — far superior to the U.S. high-yield market's 5.5x leverage and 4.5x coverage, reflecting solid credit fundamentals. Massive capital demand, relatively attractive lending rates, and better repayment conditions are making emerging market credit an allocation direction that global investors can no longer afford to overlook.
Demand is equally keen, yet similar products remain scarce. A growing number of investors across various markets — including but not limited to Hong Kong investors — wish to share in the development gains of emerging markets. However, the lack of quality comparable products and the absence of compliant circulation channels have long left emerging market credit opportunities "visible but untouchable" for many non-local investors.
To address this supply-demand gap, RWA tokenization is the key enabling pathway — issuing emerging market credit assets in tokenized form, then listing, distributing, and custodizing them compliantly through licensed platforms, is what can truly bring these opportunities within reach for investors in more markets. To this end, EX.IO Group, which has already built and deployed full-stack infrastructure in the RWA space, and Oria, a leader in the consumer finance industry, are seizing the opportunity. Specific areas of collaboration include using credit assets that Oria has already sourced in Latin America as underlying assets, with EX.IO Group assisting in the issuance, listing, distribution, and custody of the related RWA tokens — striving to bring diversified and innovative financial products to investors in need outside emerging markets and within eligible jurisdictions, enriching their asset allocation frameworks.
Unlocking New Opportunities in Consumer Finance, Pioneering the Co-Building of a Compliant Credit RWA Full-Stack Ecosystem
The collaboration between EX.IO Group and Oria is built upon the leading capabilities and strong track records of both parties in their respective fields. At Oria, the company's credit engine leverages a decade of consumer finance operational experience, encompassing asset origination, pricing, and risk management. This industry accumulation translates the team's understanding of local borrowing demand and repayment behavior into a sustained capacity to originate and manage credit assets. On the asset side, Oria focuses on yield opportunities backed by real credit claims and borrower repayment cash flows, committed to supporting investors in assessing the return potential and risks of emerging markets through concrete asset management capabilities. Notably, in the credit market, Oria has already achieved outstanding results, having originated and serviced over $2 billion in credit assets across emerging markets, driving cumulative AUM on its platform to nearly $3 million within one month of launch—fully validating market demand and laying a solid foundation for subsequent RWA tokenization issuance.
As for EX.IO Group, the company has already established multiple mainnet deployment records in the RWA issuance space, including but not limited to the issuance of EXCB-25, the first tokenized product based on convertible senior notes, among others. Its relevant experience is exceptionally rich, with remarkable achievements: recent milestones include its Hong Kong compliant licensed EX.IO platform having listed 30+ tokenized products, maintaining a commanding lead in Asia's compliant industry, with monthly sales of related tokenized products in September 2026 surging 200% year-on-year and trading volume during the same period rising 800% year-on-year—fully demonstrating the platform's formidable strength in compliant tokenization and the RWA industry at large.
By combining premium emerging market product resources with leading full-chain RWA tokenization capabilities, both parties believe that this collaboration represents a key pathway for enabling more investors outside emerging markets to share in these opportunities. At the same time, both parties believe their collaboration can establish new benchmarks and new standards for the market, particularly the compliant industry, and is poised to become an exemplary model of industry development and cooperation.
Pioneering First, Already Laying a Solid Foundation for Comprehensive Strategic Synergy
Meanwhile, beyond comprehensive collaboration on the self-built RWA full-chain level, under the relevant cooperation framework, Oria plans to purchase in bulk certain RWA products already listed on the EX.IO platform to enrich its own asset allocation structure. Specifically, while both parties have achieved great success in their respective areas of expertise, they also aim to efficiently connect and map their successes across the entire RWA development chain, pursuing a comprehensive development approach to cover the full RWA development trajectory and create greater outcomes. Their collaborative initiatives include a "pioneer first" style initial business cooperation validation: recently, Oria has completed institutional account opening on the EX.IO platform and completed its first tokenized product subscription through EX.IO using USD stablecoins, validating through actual transactions the pathway of "stablecoin funds—licensed platform exchange—tokenized product subscription," laying a solid foundation for the aforementioned collaboration to further upgrade from single-transaction validation to a strategic-level synergy covering RWA issuance, listing, distribution, custody, and other comprehensive aspects.
Looking ahead, both parties will continue intensive coordination to promote cooperation at larger scales and levels, set a strong benchmark for the compliance industry, and continuously enhance the breadth and depth of mutual benefit and win-win outcomes.
"Making RWA investments easier to understand and use is premised on every step being on the compliance track," said Danny Xu, CEO of Oria Group. "Through collaboration with EX.IO Group and EX.IO, our Latin American credit fund is expected to obtain a complete compliance pathway from issuance and listing to custody. At the same time, we will bring high-quality RWA products on the EX.IO platform to Oria's eligible investors. This is a two-way channel for asset and capital flows, not a one-off collaboration. Coupled with the tokenized issuance and licensed market channel planned under this cooperation, Oria's long-term strategy will extend from a single product to a sustainably scalable asset supply, connecting the real-economy financing needs of emerging markets with broader international capital."
"We are delighted to bring credit products from emerging markets such as Latin America to Asia, turning these emerging-market assets that were previously difficult to reach across borders into compliant products accessible to more market investors, allowing investors to share in the dividends brought by rapidly developing markets," said Toya ZHANG, Deputy CEO of EX.IO Group. "In this collaboration with Oria, EX.IO Group is responsible for issuance, the licensed platform EX.IO is responsible for listing and custody, and Oria extends the distribution of tokenized products selected by the EX.IO platform to its investor network. Both parties fulfill their respective roles and leverage their strengths at each relevant stage, which is the best example of collaboration in the compliance industry. We look forward to using this as a model to continuously select more high-quality assets from emerging markets and connect them to Hong Kong's compliant digital infrastructure, providing Web2 and Web3 investors with more diverse asset choices."
About Oria
Oria is a real-world asset (RWA) investment platform dedicated to making USD-denominated RWA investment products easier to understand and use. Through Oria.xyz and its wallet-native dApp, Oria provides eligible users with product information, investment subscription, and position management experiences, while continuously building business connections with financial infrastructure and the digital asset ecosystem.
Email: support@oria.xyz
About EX.IO Group
EX.IO Group is a full-chain digital asset solutions group connecting traditional finance (Web2) and the Web3 ecosystem, providing innovative, compliant, and secure traditional finance + digital asset financial solutions. EX.IO Group is backed by Valuable Capital Group, Longling Investment, VCREDIT Holdings Limited (2003.HK), and Jiufang Zhitou Holdings (9636.HK). Headquartered in Hong Kong, the Group operates through multiple subsidiaries, including EXIO Limited (a compliant virtual asset trading platform VATP regulated by the Hong Kong Securities and Futures Commission) and EX.IO FZCO (currently applying for a VASP license regulated by Dubai's VARA). EX.IO Group is committed to providing tailored solutions for institutional, high-net-worth, and retail clients globally by integrating regulatory compliance, advanced technology, and deep banking partnerships.
LinkedIn: https://www.linkedin.com/company/exio-hk/
Email: pr@ex.io
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