Institutional RWAs Harden Lending to 200% Collateral

RWA tokenization's T+0 settlement creates liquidity mismatch with illiquid off-chain assets. Protocol raised over-collateralization from 150% (V3) to hardcoded 200% (V4) to prevent bank-run death spirals. 200% ensures 100% redemptions even if half collateral is compromised. Trade-off: capital inefficiency versus deterministic crisis protection.