출처: Block Media
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# Tokenized Bank Deposits Gain Momentum as Regulatory Pressure on Stablecoins Intensifies
As stablecoins face tighter regulatory scrutiny globally, tokenized bank deposits are emerging as a compelling alternative, according to industry insights.
A recent report from JP Morgan revealed that regulators outside the U.S. are gravitating towards tokenized bank deposits over stablecoins. These digitalized deposits, built on blockchain technology, represent a modernized evolution of traditional banking systems. Tokenized deposits blend the security and reliability of traditional financial systems—such as depositor protection, robust Know Your Customer (KYC) protocols, Anti-Money Laundering (AML) safeguards, and access to central bank emergency support—with the efficiencies of blockchain technology. This includes faster payment settlement, improved transparency, enhanced programmability, and integration with smart contracts.
# Understanding the Key Features of Tokenized Bank Deposits
JP Morgan categorizes tokenized deposits into two primary types: bearer-designated and non-bearer-designated deposits. Bearer-designated deposits are transferable, allowing for peer transactions. However, their value may fluctuate based on market dynamics or issuer-related factors, potentially raising concerns about financial stability.
Conversely, non-bearer-designated deposits are non-transferable and hold a fixed one-to-one valuation anchored by central bank reserves. These deposits are primarily used for interbank transactions, ensuring seamless value transfers backed by robust interoperability and high certainty. JP Morgan highlights this structure as a critical advantage for fostering stability in blockchain-integrated financial systems.
# Regulatory Insights and Central Bank Preferences
Andrew Bailey, Governor of the Bank of England, has voiced strong support for tokenized central bank deposits issued by regulated banks, positioning them as a safer alternative to privately issued stablecoins. JP Morgan interprets Bailey's stance as an endorsement of a forward-thinking and inclusive regulatory framework aimed at modernizing global financial systems.
In contrast, regulatory sentiment in the United States appears more stablecoin-friendly. On October 18, former President Donald Trump enacted the "GENIUS Act," which authorizes banks to issue stablecoins and integrate them into existing payment platforms. This legislative move signals a significant milestone for stablecoins in the U.S., providing a pathway for broader adoption within traditional financial ecosystems.
# A Balancing Act: Innovation vs. Stability in Financial Markets
The ongoing rivalry between tokenized bank deposits and stablecoins underscores a broader push to harmonize technological innovation with financial stability. As regulatory frameworks worldwide adapt to new financial instruments, this race between the two options reflects the need to balance modernization with risk management, shaping the next generation of banking infrastructure.
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