dbs

鏈日常獲悉。星展銀行（DBS）宣布與資產管理公司 Franklin Templeton 和區塊鏈公司 Ripple 合作，在新加坡推出代幣化的貨幣市場基金（money market fund）。合約中將使用 Ripple 的 RLUSD 穩定幣及 Franklin Templeton 的 sgBENJI 代幣化美元基金單位，在 DBS 數字交易平台上市，讓合格與機構投資者能進行交易與借貸。這代表金融機構與傳統資產管理者正在加快數字資產與穩定幣結合的腳步。
#DBS #星展银行

History has just been made in Singapore’s financial sector. The Monetary Authority of Singapore (MAS) has officially approved the country’s first tokenized retail fund, developed through a partnership between Franklin Templeton and DBS Bank.
💰 The Product:

It’s a tokenized short-term money market fund, built on blockchain rails and designed to give investors transparent, programmable access to traditional yield instruments — with near-instant settlement.
Initially, the fund will launch exclusively for DBS Wealth Management clients and accredited investors, but from Q1 2026, it will open to ordinary retail investors with a minimum entry of just $20.
That’s right — tokenized investment in institutional-grade funds for the price of lunch.
⚙️ Why This Matters:

This isn’t just another digital finance experiment. It’s the first real integration of RWA (Real-World Asset) tokenization into mainstream retail finance in a major global financial hub.
With this approval, Singapore effectively bridges the gap between traditional banking compliance and blockchain efficiency, creating a regulated path for tokenized funds, bonds, and equities to reach the average investor.
🌍 The Bigger Picture:

This move cements Singapore’s role as a global digital finance leader, setting a benchmark for others like Hong Kong, UAE, and Switzerland. It also accelerates the institutional adoption of tokenization — a narrative gaining massive traction across DeFi and public chains like Ethereum and Solana.
💡 For the RWA Ecosystem:

The implications are enormous. Public blockchains supporting RWA infrastructure (such as $ETH , $SOL , and $TAO ) could benefit as institutions increasingly need secure, scalable, and interoperable platforms for regulated assets.
🚀 A Glimpse of the Future:

When a traditional titan like Franklin Templeton tokenizes a retail fund under a regulator as strict as MAS, it signals one thing loud and clear:

Tokenization isn’t coming — it’s already here.
#Singapore #RWA #FranklinTempleton #DBS #MAS $ETH $SOL $TAO

In a groundbreaking move for the global crypto and Web3 ecosystem, JPMorgan and DBS Bank have unveiled plans to build a blockchain-powered deposit token network, offering a regulated, bank-backed alternative to stablecoins.
The two financial giants are collaborating to create an interoperable tokenization framework that connects their on-chain deposit ecosystems, enabling 24/7 cross-bank crypto settlements across both public and permissioned blockchain networks.
This next-gen initiative marks a major shift in how institutional crypto payments and Web3 financial transactions could operate — faster, cheaper, and fully transparent.
Deposit Tokens: The Web3 Evolution of Banking
Deposit tokens are digital representations of traditional bank deposits, recorded securely on blockchain ledgers. Unlike stablecoins — which are often issued by private firms — these tokens are regulated, compliant, and fully backed by real bank reserves, making them an institutional-grade bridge between traditional finance (TradFi) and decentralized finance (DeFi).
According to DBS, the new blockchain framework will empower institutional clients to transfer, redeem, and exchange tokenized deposits in real time, ensuring instant settlement across global markets.

The system operates round-the-clock, a true Web3-style payment architecture that eliminates the limitations of traditional banking hours.
Banks Move Deeper into Crypto and Tokenization
Blockchain adoption among major banks is accelerating fast.

A 2024 Bank for International Settlements (BIS) report revealed that over one-third of commercial banks worldwide have already piloted or explored tokenized deposits, proving the rising demand for regulated blockchain-based money systems.
Leading Swiss institutions such as UBS, PostFinance, and Sygnum Bank have even completed legally binding blockchain payments, validating the practicality and security of tokenized banking assets.
Interoperability: The Future of On-Chain Finance
One of the key goals of this JPMorgan–DBS collaboration is cross-chain interoperability — linking different blockchain systems into one unified network.

This is crucial for enabling frictionless cross-border settlements and removing fragmentation in the tokenized finance landscape.

“Our partnership with Kinexys by J.P. Morgan to develop an interoperability framework is a key milestone for cross-border blockchain money movement,” said Rachel Chew, Group COO and Head of Digital Currencies at DBS.

“24/7 on-chain payments give institutions more flexibility and speed to navigate global crypto markets and capture new Web3 opportunities.”
Tokenization Wave Grows Stronger
This move comes shortly after JPMorgan executed the first live transaction on its upcoming Kinexys Fund Flow platform, a large-scale tokenization platform set to launch in 2026.

The bank plans to tokenize traditional assets such as private credit, real estate, and investment funds, bridging real-world finance with the blockchain economy.
JPMorgan and DBS are also core backers of Patrior, a blockchain-based settlement and payments network that raised $60 million in mid-2024, further cementing their leadership in digital asset infrastructure.
The Bigger Picture: Web3 Banking Takes Shape
As global banks integrate blockchain and tokenization into their core payment systems, deposit tokens could soon stand beside — or even replace — stablecoins as the preferred method for institutional on-chain transactions.
This evolution signals a powerful message to the crypto and Web3 world:

The future of finance is tokenized, interoperable, and always on-chain.

#JPMorgan #DBS #Blockchain #Crypto #Web3 #Tokenization #DepositTokens #Stablecoins #OnChainPayments #DigitalAssets #DeFi #TradFi #CryptoNews #CryptoAdoption #BinanceFeed #Web3Finance #BlockchainBanking