tokenizeddeposits

لسنوات، كانت العملات المستقرة تُعتبر في الغالب أدوات تشفير تُستخدم في البورصات التي تهيمن عليها عدد قليل من الرموز. نظر الكثيرون إليها كأدوات تداول بدلاً من كونها العمود الفقري للأنظمة المالية الحديثة. هذا التصور يتغير بسرعة حيث تنتشر التبني إلى ما هو أبعد من عشاق التشفير ليشمل المستهلكين والشركات والمؤسسات المالية المنظمة.
الدافع وراء التحول هو الوظيفة وليس الأيديولوجيا. العملات المستقرة تقدم تسوية فورية في أي وقت مع وصول عالمي دون احتكاك البنوك التقليدية وتوافق رقمي سلس. الشركات التي تتعامل في المدفوعات عبر الحدود أو تدير تدفقات نقدية معقدة تدرك أن العملات المستقرة تقلل من التأخيرات وتبسط العمليات. منصات الدفع وأنظمة خزينة الشركات ومقدمو الخدمات المالية التكنولوجية يدمجون بشكل متزايد تسوية العملات المستقرة في خدماتهم الأساسية، مما يشير إلى إعادة التفكير في كيفية انتقال الأموال في عصر الإنترنت.

called Base This move is part of the bank's effort to meet growing demand from its customers who want to use bank deposits in the world of crypto The tokenized deposit is known as JPM Coin or JPMD Unlike stablecoins which are digital currencies tied to an asset JPMD represents real bank funds and can earn interest This makes it different from other digital cash options on public blockchains

The bank first started using blockchain technology in 2019 with a private version of Ethereum called Kinexys The new step to Base allows institutional customers to use JPMD for payments or to keep collateral for transactions This is useful for clients who need to pay margins or settle deals in a fast and efficient way Traditional bank accounts have timing limits and stablecoins carry different risks so using JPMD can be safer for some institutions

JPMD is only available to whitelisted clients who are onboarded to the bank’s system This keeps the process controlled and secure The bank still manages the token and has the ability to move it between addresses This way it can ensure that all transactions are safe and comply with internal rules

The use of JPMD can be compared to stablecoins in some ways It can be used for payments or as collateral on trading platforms but it is backed by real bank deposits Some experts say it is like a cousin of stablecoins since it works in a similar space but is limited to a bank network The bank wants to make sure its customers can use the product in a secure and reliable way while exploring new opportunities in digital finance

JPMorgan sees public blockchains as a place where many of its customers will operate in the future The bank has tested its systems for years and believes it can manage risks properly The smart contracts are controlled by the bank and the keys are stored securely This gives confidence to clients who may be new to crypto or prefer to work with trusted institutions
Overall JPMD on Base shows how banks
#JPMorgan #TokenizedDeposits #BlockchainBanking

The world’s largest custodian bank, BNY Mellon ($55.8T AUC), is testing tokenized deposits to make payments faster, cheaper, and fully digital. Think bank money, but on-chain.
💡 What’s happening:
Tokenized deposits = digital representations of cash held at the bank
Can be sent instantly across borders without intermediaries
Supports real-time, 24/7 transactions
BNY Mellon joins JPMorgan, HSBC, and Deutsche Bank in pushing blockchain into traditional finance. These tokenized solutions aim to cut legacy friction, modernize payments, and eventually integrate with a broader digital asset ecosystem.

🌍 Why it matters:
$2.5 trillion flows daily through BNY Mellon — now programmable on-chain
Global banks are racing to tokenize cash and assets, including stablecoins and real-world assets (RWAs)
Regulatory clarity in the U.S. and EU is fueling real-world blockchain adoption
💬 As Carl Slabicki, BNY Mellon’s Treasury Services exec, says:

"Tokenized deposits could help banks overcome legacy technology constraints and move money more efficiently."

The future of payments is programmable, instant, and global — and BNY Mellon is at the forefront.

#Crypto #Blockchain #TokenizedDeposits