Tokenized Deposits (Bank-Issued)
Bank liabilities issued as tokens to enable programmable, instant settlement with traditional safeguards.
Opportunity Overview
Bank liabilities issued as tokens to enable programmable, instant settlement with traditional safeguards.
Teams are validating compliance, liquidity partners, and customer demand. The addressable market includes Global bank deposits $90T+.
Leading providers such as JPM Onyx, Citi Token Services, and ANZ A$DC showcase production patterns that combine USD (USDC) liquidity across Ethereum, Base, and Polygon networks.
Market Signals
Pilot stage: teams are validating compliance, liquidity partners, and customer demand.
Capital outlook: High capital commitments covering licensing, regulated entities, and on-balance-sheet reserves.
Regulatory posture: Heavy regulation with multi-jurisdictional licensing, reporting, and supervisory coordination.
Whitespace score 5/5 – Prime whitespace with minimal competition and outsized enterprise demand.
Implementation Playbook
- 1
Design product flows for tokenized deposits (bank-issued) that align with hybrid deployment patterns and the compliance expectations in United States.
- 2
Integrate settlement on Ethereum and Base while planning regional coverage for European Union.
- 3
Partner with platforms like JPM Onyx, Citi Token Services, and ANZ A$DC to accelerate launch, liquidity operations, and distribution.
Technical Details
Permission Model
hybrid
Supported Blockchains
Supported Currencies
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