9th April 2025 Digital Bytes

Tokenised deposits: the future of money, or just a transitional fix? - tokenised deposits (blockchain-based digital representations of traditional bank deposits) blend banking stability with the speed, transparency and programmability of distributed ledger technology. As banks face mounting compliance costs and outdated infrastructure, these innovations offer real-time settlement, embedded AML/KYC and reduced fraud risk. Major players such as Citi, UBS and Deutsche Bank are actively piloting solutions, with regulators exploring practical applications. Whilst challenges remain around regulation, digital literacy and privacy, tokenised deposits signal a pivotal shift in finance. Although they are not the final form of digital money, they represent a critical step toward a more efficient, secure and modern global financial ecosystem.

The timeless allure of gold: from ancient currency to tokenised asset - gold’s journey from ancient currency to cutting-edge digital asset reflects its endur…