Digital assets are reshaping how money moves across financial markets. As tokenization expands and settlement cycles compress toward real time, financial institutions must determine how to represent fiat money on-chain in a way that preserves regulatory compliance, operational resilience, and balance sheet efficiency. Deposit tokens and stablecoins offer two competing approaches to this challenge. In this Lightning Talk, ioBuilders CEO Carlos Matilla will explore the strategic implications of these models, providing a clear framework for understanding how digital money will integrate with existing banking systems and enable new financial market infrastructures.
- Two models for on-chain money: comparing bank-issued deposit tokens and stablecoins in terms of structure, governance, and market role.
- The role of commercial bank money in tokenized financial markets and why its on-chain representation matters.
- How digital money interacts with traditional banking infrastructure, including settlement networks and liquidity management.
- Example transactional flows illustrating how deposit tokens and stablecoins operate within real financial processes.
- Integration challenges and design choices when connecting blockchain networks with existing banking technology stacks.
- Compliance and control frameworks required for institutional adoption of on-chain money.
- Emerging market practices and industry initiatives shaping the evolution of digital money.
- Strategic considerations for financial institutions entering the next phase of on-chain finance.
