#美国四大银行拟推共享代币化存款网络 To deal with stablecoin shocks! Top US banks plan to launch a tokenized deposits network in 2027



Several major mainstream banks in the US plan to launch a tokenized deposits network in the first half of 2027, laying out on-chain digital payments infrastructure. The network will be led and operated by The Clearing House (the US real-time payments settlement institution), with multiple top banks including JPMorgan, Bank of America, Citigroup, and Wells Fargo holding shares together. The project will connect traditional payment channels with digital-asset infrastructure, enabling all-day, real-time on-chain transfers and settlement of bank deposits. At present, the underlying blockchain technology provider for the project has not yet been determined.

The core motivation for moving forward with this network is to address the risk of deposit outflows brought by the rapid adoption of stablecoins.

Compared with stablecoins, tokenized deposits map traditional bank deposits into digital tokens on the blockchain, fully fitting existing regulatory rules, accounting standards, and risk-control systems. This can effectively keep funds within the traditional banking system, making it a more prudent digital transformation option for the banking industry.

Currently, Wall Street financial institutions are accelerating their layout of tokenization of traditional assets, covering categories such as stocks, bonds, funds, and money market funds. Several exchanges are also preparing tokenized securities trading platforms.

Bank institutions say that market customer demand for asset tokenization continues to heat up. The rollout of the new tokenized deposits network will help traditional banks adapt to the trend of blockchain-based finance development, strengthen competitive advantages in the industry, and seize early opportunities in the on-chain payments and digital-asset settlement track. The head of the clearinghouse said directly that this project is a key strategic move for US banks to adapt to on-chain financial change.
JPMG-0.12%
JPMON-0.33%
JPM-0.02%
BAC0.17%
BACG0.48%
View Original
This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.
  • Reward
  • 9
  • Repost
  • Share
Comment
Add a comment
Add a comment
WishfulMountainTop2026
· 14m ago
Charge right in 👊
View OriginalReply0
ThisIsTranslateContent:
· 2h ago
DYOR 🤓
Reply0
ThisIsTranslateContent:
· 2h ago
坚定HODL💎
Reply0
Miss_1903
· 2h ago
LFG 🔥
Reply0
ybaser
· 3h ago
2026 GOGOGO 👊
Reply0
ybaser
· 3h ago
2026 GOGOGO 👊
Reply0
Yusfirah
· 4h ago
To The Moon 🌕
Reply0
HighAmbition
· 4h ago
LFG 🔥
Reply0
HighAmbition
· 4h ago
Ape In 🚀
Reply0
View More
  • Pinned