Institutional Tokenization Strategy
How the institutional 'tokenized money stack' emerges: stablecoins + tokenized deposits + tokenized funds
A repeatable pattern is emerging across institutional tokenization: regulated stablecoins as settlement cash, tokenized deposits for bank-controlled money, and tokenized MMFs for yield.
Summary
Increasingly, the most practical entry point for tokenization is settlement money—because it unlocks faster processing for many adjacent workflows. A repeatable 'tokenized money stack' is emerging.
What happened
Across public examples, institutions are building layered tokenized money infrastructure: stablecoins (EURCV, USDCV), tokenized deposits (Standard Chartered), and tokenized MMFs for yield.
Business goal
- Start with settlement money and treasury as entry point
- Expand into tokenized assets and market infrastructure integration
- Build interoperable layers across stablecoins, deposits, and funds
Impact
- Layer 1: Regulated stablecoins as programmable settlement units
- Layer 2: Tokenized deposits for bank-controlled digital money
- Layer 3: Tokenized MMFs as yield-bearing on-chain assets