BNY's Tokenized Deposits: Revolutionizing Traditional Finance Onchain

BNY's Tokenized Deposits: Revolutionizing Traditional Finance Onchain

January 17, 2026
🚨 TradFi Goes Onchain: BNY Launches Tokenized Bank Deposits One of America’s oldest financial institutions is making a very modern move. BNY has officially launched tokenized bank deposits for institutional clients — bringing onchain cash balances and depositor claims onto a permissioned blockchain. Why this matters 👇 Tokenized deposits allow institutions to move capital faster, with greater certainty, and around the clock — a critical upgrade as global markets push toward an always-on model. BNY put it clearly: “As global financial markets shift towards an always-on operating model, institutions are seeking faster and more efficient ways to move assets — with greater settlement certainty, transparency, lower friction and the ability to unlock liquidity.” This launch doesn’t exist in a vacuum. Just months ago, the SEC and CFTC jointly proposed moving toward 24/7 capital markets, acknowledging what blockchain-native systems already enable: • Continuous settlement • Fewer intermediaries • Lower friction and cost • Real-time collateral and margin management Tokenization — especially of real-world assets (RWAs) — is no longer theoretical. It’s becoming core financial infrastructure. 💡 The signal is loud and clear: Blockchain isn’t replacing traditional finance — it’s rebuilding it from the inside out. For professionals in finance, accounting, legal, and compliance roles, understanding tokenized deposits, RWAs, and onchain settlement is quickly becoming table stakes. The future of capital markets is programmable, always-on, and onchain — and institutions are moving faster than many expect. 🎓 This is exactly why continuous education matters. As banks adopt tokenized deposits, always-on settlement, and onchain infrastructure, finance, accounting, and legal professionals must understand how these systems actually work. Our Blockchain & Digital are designed to bridge the gap between traditional finance and onchain markets — covering tokenization, compliance, settlement mechanics, and real-world use cases used by institutions today. Enroll in our course: 🔘Blockchain Accounting Course Series 🔘Blockchain Audit Course Series 🔘Blockchain Finance Course Series 🔘Blockchain Law & Digital Assets Course Series https://hubs.li/Q03_d17X0 #DeFiEducation #Web3Education #PaymentInnovation#FinancialTransformation #CryptoRegulation #LearnBlockchain #BlockchainFinance #Stablecoins

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