JPMorgan: "Non-US Financial Regulatory Authorities Prefer Tokenized Deposits Over Stablecoins"
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- JPMorgan reported that major financial regulatory authorities outside the US prefer tokenized deposits over stablecoins.
- The BoE Governor stated that it is preferable for banks to offer tokenized deposit services rather than issuing their own stablecoins.
- JPMorgan predicted that tokenized deposits are likely to be adopted first in building the digital financial infrastructure going forward.
- The article was summarized using an artificial intelligence-based language model.
- Due to the nature of the technology, key content in the text may be excluded or different from the facts.
An analysis suggests that financial regulatory authorities in major countries outside the United States tend to prefer tokenized bank deposits over stablecoins.
According to The Block on the 18th (local time), JPMorgan stated, "Recently, BoE Governor Andrew Bailey said it is preferable for banks to provide services in the form of tokenized deposits rather than issuing their own stablecoins," adding, "This signals that global regulatory authorities favor broader regulations."
JPMorgan further predicted, "Tokenized deposits are highly likely to be adopted as a priority over stablecoins during the construction of future digital financial infrastructure."
Meanwhile, tokenized deposits refer to traditional bank deposits recorded on blockchains. Just like conventional deposits, the protection systems such as deposit insurance, capital requirements, lender of last resort support, and AML/KYC regulations are maintained, while also featuring programmable payments and blockchain interoperability.
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