Tokenized Commercial Bank Deposits Shift From Single-Bank Pilots to New Financial Infrastructure

Tokenized commercial bank deposits are a mechanism that uses a programmable ledger to record deposit claims, holders, transaction status and transfer conditions in digital form, and to complete issuance, holding, locking, transfer, redemption and cancellation.

At its core, the mechanism is based on distributed ledger technology (DLT). It tokenizes regulated commercial bank deposits and central bank settlement assets and places them in the same programmable environment, forming a unified ledger that is logically centralized and physically distributed. This allows fund flows, information flows and asset flows to coordinate and execute synchronously under common rules.