"In 2026, tokenized deposits will be as big as stablecoins. Every single bank will have a tokenized deposits strategy."@Ozhar sharing some Crypto Predictions for next year during his recent @NYSE @TakingStockLive interview. https://t.co/bMfoS6Fj6Z ...

RT Crypto.com Research & Insights (@cryptocom_rni)DeFi+L1L2 Update:🔒 Vitalik unveiled Ethereum privacy framework, Kohaku🚀 EVM-compatible L1 Monad and decentralized Ethereum L2 Aztec launched💸 HSBC will expand tokenized deposits to the U.S. and UAE in H1 2026Full details 👇https://t.co/amMWpHzgcv https://t.co/Gnp0fpljFI ...

Digital payments firm Ant International has launched a blockchain-centered partnership with banking giant UBS.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.The collaboration, announced Monday (Nov. 17), will see ...

Core Insights - Ant International is a significant early adopter of tokenized deposits, collaborating with various banks to implement blockchain payment solutions [1][2] - The company has integrated UBS Digital Cash into its payment toolkit, expanding its range of on-chain payment tools [1][6] - In 2024, over a third of Ant's transactions were processed on-chain through its blockchain-based treasury and settlement platform, Whale [2][6] Partnerships and Collaborations - Ant International has partnered with major banks like HSBC, Standard Chartered, and DBS to enhance its tokenized deposit capabilities [1][3][4] - The company was the first corporate user of HSBC's Tokenized Deposit Service, which went live in May 2024 [3] - A Memorandum of Understanding (MoU) was signed with DBS Bank to further develop tokenized deposit technology, potentially integrating with a new interoperability framework being developed with JPMorgan [4] Interoperability and Industry Initiatives - Interoperability is a key focus for Ant International, which is involved in complex global supply chains and maintains relationships with numerous banks [5] - The company contributed to a report under the Monetary Authority of Singapore's Project Guardian, advocating for a "shared ledger infrastructure" for tokenized liabilities [5] - The report endorsed blockchain networks as a means to streamline global payments, without proposing a single platform [7] UBS's Role in Tokenization - UBS has emerged as a leader in tokenization in Europe, processing various transactions during a 2024 pilot, including domestic Swiss payments and cross-border payments in multiple currencies [8]

Core Insights - Ant International has partnered with UBS to modernize its treasury and payments infrastructure, focusing on blockchain-powered settlement, tokenized deposits, and real-time fund movement [1][2]. Group 1: Partnership Details - The collaboration includes integrating UBS Digital Cash, a blockchain-based payment platform, into Ant's global treasury operations to enhance cross-border liquidity and security [2][3]. - Ant will combine UBS Digital Cash with its Whale platform, a proprietary blockchain-based treasury management system, to facilitate constant multi-currency fund movement across global entities [3]. Group 2: Tokenized Deposits - A significant aspect of the partnership is the joint research and development of tokenized deposits, which are digital representations of traditional bank deposits that can be transferred instantly via blockchain [4]. - Successful implementation of this model is expected to enhance transparency, settlement speed, and auditability for complex transactions [4]. Group 3: Regulatory Environment and Adoption - Hong Kong's Project Ensemble, a regulatory sandbox for tokenized transactions, has enabled real-value settlements between banks and fintech firms, with Ant participating in the pilot [5]. - HSBC recently completed a transfer of HK$3.8 million ($488,820) in tokenized deposits for Ant, indicating accelerating institutional adoption [5]. Group 4: Digital Asset Strategy - The partnership aligns with Ant International's exploration of regulated digital asset infrastructure, including evaluating stablecoin licensing in various jurisdictions [6]. - Ant emphasizes that while it does not plan to engage in speculative crypto activities, it sees significant potential in stablecoins to enhance modern payment infrastructure [6][7].

🚨JUST IN: HONG KONG LAUNCHES THE PILOT PHASE OF PROJECT ENSEMBLE TO TEST REAL-VALUE TRANSACTIONS WITH TOKENIZED DEPOSITS AND DIGITAL ASSETS ...

🇺🇸 UPDATE: Banks and payment giants are building stablecoin rails; retail coins, tokenized deposits, and settlement tokens.GENIUS cleared the path; pilots now ramping. https://t.co/LDUPMSW0Fs ...

Summary of Lloyds Banking Group Update / Briefing (November 06, 2025) Company Overview - **Company**: Lloyds Banking Group (NYSE:LYG) - **Industry**: Banking and Financial Services Key Points and Arguments Digital and AI Leadership - Lloyds Banking Group positions itself as a leader in digital and AI, with a focus on enhancing infrastructure and capabilities since 2021, which supports long-term leadership in the industry [3][4][6] - The bank has been recognized in Euromoney's assessment of digital banks, ranking in the top 20 globally out of over 300 banks [1] User Engagement and Scale - The bank boasts 23 million digitally active users, with over 21 million using its mobile app, making it the largest fintech in the UK [4][5] - Lloyds processes one in four card transactions in the UK, equating to nearly £330 billion in annual spend, indicating a strong market presence [5] Strategic Priorities and Infrastructure Modernization - The bank's strategy includes modernizing its technology estate to enhance innovation and customer service [6][7] - Significant progress has been made in reducing the number of applications by 20% and consolidating data centers from 18 to 9, with plans to further modernize by 2027 [14][15] Financial Benefits from Digital Initiatives - Digital and AI initiatives are expected to contribute over 70% to the bank's strategic revenues target by 2026, with more than 60% of cost savings realized attributed to these initiatives [8][9][48] - The bank has achieved gross savings of over €300 million annually, which can be reinvested to accelerate further changes [20] Customer Experience Enhancements - The mobile app has seen a significant increase in engagement, with 90% of personal current account openings now occurring through the app, up from 20% two years ago [24] - AI integration in the app has improved customer interactions, making them more intuitive and engaging [22][23] Ecosystem Development - The introduction of the Homes Hub has led to over 450,000 new customer interactions, retaining £10 billion in mortgages within 1.5 years [27] - The bank is leveraging its data to offer personalized services and insights, enhancing customer engagement and retention [28][29] Future Innovations - Lloyds is investing in generative AI and digital assets, with plans to deliver 50 use cases into production within the year, aiming for €50 million in tangible benefits [33][36] - The bank is exploring tokenized deposits and programmable money, which could streamline transactions and reduce costs [37][39] Regulatory and Market Positioning - Lloyds is actively working with regulators to ensure compliance and safety in its digital offerings, particularly in investment advice [55][57] - The bank aims to maintain its leadership position in the UK market while exploring potential international opportunities in the future [71][75] Additional Important Insights - The bank's commitment to building a skilled workforce includes hiring over 8,000 engineers and 900 graduates in the past four years [17] - Lloyds is focused on cross-selling opportunities between its banking and insurance products, enhancing customer relationships through personalized offerings [81][82] This summary encapsulates the key points discussed during the Lloyds Banking Group update, highlighting the company's strategic focus on digital transformation, customer engagement, and future growth opportunities.

🇨🇴 OPINION: Columbia’s Omid Malekan says tokenized deposits can’t beat stablecoins. https://t.co/mJlix5OTcb ...

RT Avalanche Team1 (@AvaxTeam1)How TIS Is Modernizing Japan’s $2 Trillion Payment Network with Avalanche 🔺By combining its deep roots in traditional finance with Avalanche’s technology, TIS is creating a regulated ecosystem where stablecoins, tokenized deposits, & digital securities can moveBlog below 👇 https://t.co/zRmLvokWnl ...