2026 is identified as a pivotal year for the global and Southeast Asian digital finance markets. Artificial intelligence (AI) is shifting from a supporting tool to an infrastructure driving the economy, while the trend of tokenizing real-world assets (RWA) is beginning to enter the commercialization phase.
In the context of Vietnam implementing a digital asset sandbox mechanism and aiming to build an international financial center, HVA Group has a strategic opportunity to position itself as a domestic AI-integrated digital financial infrastructure platform.
HVA's 2026 strategy will not focus on short-term product expansion, but will shift its focus to building a Financial Infrastructure Platform – a digital financial infrastructure platform with AI-powered capabilities for custody, tokenization, compliance, and intelligent operation.
Global Strategic Landscape: AI and Tokenization Restructuring the Financial Industry
The shift to an AI economy
AI is becoming the new manufacturing infrastructure for global businesses. Large technology corporations are investing heavily in computing power, data centers, and AI platform models.
AI not only enhances labor productivity but also transforms the competitive landscape. Businesses can operate more efficiently, optimize costs, and make decisions based on real-time data. In the financial sector, AI is gradually becoming the core operating principle for asset valuation, risk management, and compliance monitoring.
Trends in Tokenization and Real World Assets (RWA)
International financial institutions such as BlackRock, JPMorgan, and Goldman Sachs have experimented with tokenizing bonds, investment funds, and real estate. According to international forecasts, the RWA market could reach tens of trillions of dollars before 2030.
For emerging markets like Vietnam – where a large amount of physical assets remain undigitized – this presents a strategic opportunity to participate in global value chains from an early stage.
Legal window in Vietnam
The period 2025–2027 is considered a “strategic window” as Vietnam simultaneously implements a digital asset sandbox, a policy for developing the digital technology industry, and aims to build an international financial center.
Domestic businesses have the opportunity to build their infrastructure position before international financial institutions become deeply involved in the market.
Assessing the internal strengths of HVA Group
Advantages of a multi-tiered asset ecosystem
HVA possesses a rare ecosystem in Vietnam:
- Precious Metals Accumulation Platform
- Multi-asset portfolio
- Fintech and blockchain
- Media and community
This structure facilitates the development of an integrated model of physical and digital assets, providing a natural foundation for asset tokenization and digital custody.
Strategic challenges
- Dispersed resources
- AI is not yet a core competency.
- Internal competition is limited.
- Compliance with international standards for digital assets has not yet been achieved.
The 2026 strategy focuses on addressing these bottlenecks to shift from a decentralized investment model to a digital financial infrastructure platform.
HVA's 2026 Strategic Positioning: Financial Infrastructure Platform
HVA is repositioning itself from a multi-project investment unit to a digital financial infrastructure hub. The focus includes:
- Digital asset custody and tokenized asset custody
- Tokenization of real assets
- Pricing and risk scoring using AI.
- Compliance and risk management according to international standards.
This strategy helps HVA avoid short-term competition on trading fees or cyclical products, instead building long-term infrastructure.
Strategic goals for 2026
1. Develop a multi-asset asset accumulation platform.
This includes gold and precious metals, real estate, and stable digital assets. The goal is to reach 500,000 to 1,000,000 users.
2. Increase Asset Under Custody (AUC)
Instead of focusing on transaction revenue, HVA prioritizes increasing total assets in custody – an indicator reflecting the confidence and standing of a financial institution in the long term.
3. Expanding organizational cooperation
Establishing strategic relationships with banks, securities firms, and investment funds to expand the ecosystem and increase legitimacy.
Five pillars of development
1. AI Financial Engine
Developing internal AI for asset valuation, risk scoring, and AML monitoring.
Invest in appropriately sized GPU clusters and deploy hybrid cloud infrastructure to ensure sufficient computing capacity.
2. Real World Asset Tokenization
Providing core technology for tokenizing precious metals, real estate, and bonds according to the ERC-3643 standard, applying Proof of Reserve and an independent custody model.
3. Financial Operating System
We are building a unified account platform that allows users to receive funds, accumulate assets, stake, and invest on a single system. AI acts as a personalized financial advisor.
4. Data and Compute
Establish internal computing capabilities through collaboration on power infrastructure, industrial land, and hybrid cloud to support AI and data compliance.
5. Trust Economy and Media
Media plays a role in educating the market and building trust through in-depth content, storytelling, and community engagement.
Investment orientation
HVA priorities:
- M&A for businesses with physical operations and AI-powered operations.
- Investing in precious metals and commodities.
- Establishing offshore structures in international financial centers.
KPIs and risk management
The KPIs for 2026 will focus on:
- Asset Under Custody
- Tokenized RWA Volume
- Institutional onboarding
- AI deployment
HVA avoids chasing short-term AI trends, token pumps, or transaction fee competition, instead focusing on building long-term infrastructure advantages.
Implementation roadmap 2026
- Q1: Review compliance and develop AI roadmap
- Q2: Deploying digital asset projects within a sandbox framework.
- Q3: Release the first RWA product
- Q4: Onboarding with partner organizations
Vision 2026–2028
If implemented correctly, the period from 2026–2028 could make HVA a crucial layer of digital financial infrastructure in Vietnam and gradually expand into Southeast Asia.
In the era of AI and digital assets, the advantage no longer lies in transaction speed, but in the ability to build a robust economic operating platform. HVA chooses the path of infrastructure – discipline – and long-term sustainability.
