不跟风稳定币 英国银行业埋头干“代币化存款”新赛道

Group 1 - Major UK banks are planning to launch tokenized versions of customer deposits next year, following a call from the Bank of England Governor Andrew Bailey to prioritize deposit tokenization technology over stablecoins [1][2] - Tokenization refers to converting assets like deposits, stocks, and bonds into digital forms stored on a blockchain, which proponents argue can enhance transaction speed, reduce costs, and improve security [1] - Banks including HSBC, NatWest, and Lloyds have initiated pilot projects to utilize tokenized deposits for payments in online markets [1] Group 2 - Bailey has expressed skepticism towards stablecoins, questioning their necessity while advocating for the higher value creation potential of tokenization technology [2] - Despite the popularity of stablecoins, Bailey warns that they could withdraw funds from the banking system and threaten financial stability, advising banks against issuing their own stablecoins [2] - The UK's Financial Conduct Authority (FCA) is not expected to finalize stablecoin regulations until the end of 2026, but the Bank of England has allowed banks to explore deposit tokenization within the existing regulatory framework [2] Group 3 - HSBC's Global Payments Solutions Head, Manish Kohli, noted that previous attempts at deposit tokenization failed due to a lack of interoperability between financial institutions, which the new pilot aims to address [3] - The pilot, which includes participation from Barclays, Nationwide, and Santander, will focus on domestic applications but has significant potential for cross-border transactions [3] - The pilot will also test the use of tokenized deposits in mortgage processes and digital asset settlements, balancing innovation with regulatory compliance [3]