İngiltere’nin en büyük bankaları tokenize edilmiş mevduatlarla dünyanın ilk interbank işlemini tamamladı

Kısaca

İngiltere’nin en büyük bankaları tokenize mevduatlar kullanarak ilk interbank işlemini tamamladı; Barclays, HSBC, Lloyds Banking Group, Monzo, Nationwide, NatWest ve Santander katıldı. BoE ve FCA tokenizasyonu ve uzun vadeli settlement saatlerini hazırlıyor; ilerleyen adımlar dijital varlıkların takasına odaklanabilir. Yaşanan canlı işlemler, ödeme hızını ve nakit akışını iyileştirme potansiyelini gösterirken uygulanabilirlik ve regülasyon dengesi izlenecek noktalar olacak.

Ana mesele

Birleşik Krallık’ın en büyük bankaları tokenized mevduatlar üzerinden ilk interbank işlemini başarıyla tamamladı

Ne değişti?

tokenize mevduatlarla müşteri işlemlerinin ilerleyen aşamalarda ölçeklendirilebileceği

Beni nasıl etkiler?

Kamu ve iş dünyası için ödeme hızları ve nakit yönetiminde potansiyel iyileşme fikri verir

Ne oldu?

İngiltere’nin önde gelen yedi bankası tokenize edilmiş mevduatlarla müşteri işlemleri gerçekleştirdi.

Neden şimdi?

Tokenizasyon ve daha esnek uzlaşma saatleri için düzenleyici hazırlıklar sürüyor.

Neden önemli?

Gerçek dünya faydalarını gösteren ilk uygulama olması itibarıyla ödeme sistemlerinde dönüşüm göstergesi olabilir.

Kimler etkileniyor?

• Barclays
• HSBC
• Lloyds Banking Group
• Monzo

Sektör ve piyasa etkisi

Bankacılık ve ödeme teknolojileri alanında ilgi ve potansiyel yatırım akışını tetikleyebilir.

Riskler

• Regülasyon belirsizliği
• güvenlik ve operasyonel güvenlik
• enflasyonist baskı nedeniyle maliyet etkileri

Takip edilmesi gerekenler

• Dijital varlık takası için ölçeklendirme adımları
• düzenleyici yönergeler ve uyum süreçleri
• kurumsal ödemelerde tokenize mevduatların uygulanması
• kullanıcı deneyimi ve operasyonel verimlilik ölçütleri

Haberin tamamı

2 min read Make preferred on Share Share this article Copy link X icon X (Twitter) LinkedIn Facebook Email Make preferred on Canary Wharf, London (Pixabay) Summary Show Seven of the U.K.’s largest banks completed the world’s first customer transactions using tokenized British pound deposits on a shared platform built by Quant. The trial included remortgage payments and a consumer purchase, testing whether regulated bank money can move between institutions and support retail payments. Tokenized deposits remain liabilities of issuing banks and retain conventional deposit protections, and the group will next test their use in settling digital assets. The U.K.'s largest banks executed the world’s first customer transaction using tokenized British pound deposits on a share platform.

The money movement included remortgage payments and a test of a consumer purchase, according to an announcement on Thursday .

The project is testing whether regulated bank money can move in tokenized form between institutions and in retail payments. The deposits moving across a common system involving several banks differs from a recent initiative by Lloyds to use tokenized deposits to buy a tokenized gilt within its own arrangement .

Barclays, HSBC, Lloyds Banking Group, Monzo, Nationwide, NatWest and Santander took part in the Great British Tokenized Deposit initiative. The platform was built by Quant, a distributed ledger technology (DLT) service provider.

The tests come as the Bank of England and Financial Conduct Authority prepare the U.K.’s financial system for tokenization and longer settlement hours. Regulators want to support tokenized markets while considering stablecoins for institutional settlement.

The group will next test the settlement of digital assets using tokenized customer money, according to the announcement.

“These live transactions show how tokenized deposits can deliver practical, real-world benefits, contingent payments that give customers greater control over their money,” said Lucy Rigby, economic secretary to the Treasury.

For businesses and customers, tokenised deposits have the potential to speed up settlement, improve cash-flow management and provide more convenient, transparent and secure ways to pay.

“Tokenized deposits have the potential to play a key role in the evolution of digital money and payments in the U.K. and beyond,” said Gilbert Verdian, founder and CEO of Quant,

Tokenized deposits are digital records of money already held in a bank account. Unlike stablecoins, they remain a liability of the issuing bank and retain the protections attached to conventional deposits.

1 Crypto casino Duelbits goes offline after $7 million hot wallet hack 13 minutes ago 2 Bitcoin’s bear markets are getting milder. Bull markets may be next 35 minutes ago 3 Crypto for Advisors:The hidden costs of holding your own bitcoin 1 hour ago 4 European stablecoin issuer Qivalis sees transformation of global trade finance 1 hour ago 5 Cathie Wood's ARK teams with Securitize to tokenize venture fund with OpenAI, Anthropic stakes 3 hours ago 6 Solana Foundation hires Binance, Polygon veterans as it ramps up tokenized finance push 3 hours ago 7 Crypto investment firm RockawayX is betting $150 million on yield becoming next big use case 3 hours ago 8 EU's financial regulator to make AI and tokenization a supervisory priority in 2027 3 hours ago 9 Brooklyn man sent to prison for 12 years for stealing $16M in a Coinbase phishing scheme 4 hours ago 10 Litecoin token has its moment as network activity booms 4 hours ago Latest Research The Definitive Stablecoin Landscape Series: Asia Pacific The Definitive Stablecoin Landscape Series: Asia Pacific As stablecoins move into regulated finance, APAC is becoming a key proving ground. This report maps the region’s rules, use cases, and RLUSD’s role.

As stablecoins move into regulated finance, APAC is becoming a key proving ground. This report maps the region’s rules, use cases, and RLUSD’s role.

Kaynaklar

• CoinDesk