CoinWorld News, Citibank's Head of Digital Asset Solutions for Finance and Trade, Ryan Rugg, stated that if tokenized funds are limited to a single banking system rather than interconnected across multiple institutions, their potential cannot be fully realized. Rugg pointed out that large corporate clients typically have hundreds or thousands of bank accounts worldwide; what they need is not "Citi tokens," but a real-time payment system that can operate seamlessly across banks and networks. She believes that the future of tokenized finance depends on industry-wide shared infrastructure (similar to the SWIFT model) and clear regulatory frameworks, rather than isolated banking platforms.