Tokenized Deposits: The Next Frontier in Bank Money—and Why It Matters

As the digital-asset ecosystem matures, banks are exploring how to bring the trust and stability of traditional deposits onto new digital rails. Tokenized deposits—bank-issued, blockchain-based representations of fiat money—could redefine payments, liquidity, and market infrastructure. This session brings together leading voices from the banking and crypto worlds to examine how tokenized deposits can bridge TradFi and DeFi, enabling 24/7 settlement, programmable payments, and more efficient markets—without compromising on compliance or safety. Among the things the panel will discuss:

• What’s driving the interest in tokenized deposits now
• How tokenized deposits differ from stablecoins and CBDCs
• Whether tokenized deposits a defensive move—or an offensive innovation strategy for banks?
• What are the biggest operational and technology hurdles to tokenizing deposits within a regulated bank environment?
• How would tokenized deposits change interbank settlement, liquidity management, or treasury operations?
• Could tokenized deposits make correspondent banking and cross-border payments obsolete?
• How are tokenized deposits likely to coexist with stablecoins and CBDCs?