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PYMNTS | Digital Dictionary: Tokenized Deposits for Payments, Treasury

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Forget stablecoins. In the alphabet soup of digital assets, another term that has begun surfacing is tokenized deposits. Federal Reserve Governor Michael

The Digital Asset Dictionary: Tokenized Deposits for Payments and Treasury --> By PYMNTS | October 22, 2025 Share: --> | --> Highlights Tokenized deposits are blockchain versions of real bank deposits. They are fully regulated, on-balance sheet and potentially safer than stablecoins. BNY, Citi, HSBC, JPMorgan and others are racing to use them for instant, 24/7 payments and cross-border transfers, reclaiming ground from FinTechs and crypto challengers. They move fast, automate settlements and plug straight into digital systems, giving treasuries and global trade the digital cash they’ve been wa

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