Tokenisation at an inflection point: what will it take for tokenisation to achieve mainstream adoption? (Part 2)

As examined in our previous analysis, tokenisation stands at a potential inflection point with companies such as Ripple making strategic infrastructure acquisitions to position themselves for widespread adoption. Yet, despite growing institutional interest and technological advancements, tokenisation remains primarily in the pilot and experimental phase across most financial sectors. This second article explores the critical factors required for tokenisation to transition from promising innovation to mainstream financial practice.

But, before assessing future requirements, it is important to understand where tokenisation stands today. The European Banking Authority's December 2024 survey found that 17% of 85 surveyed credit institutions in the European Economic Area anticipate engaging with tokenised deposits within the next one to two years. Most institutions are adopting a “wait and see” approach - whilst they acknowledge the potential, they are hesitant to invest significant resourc…