“Finance is built on trust, trust for infrastructure, trust for companies, trust for people. The emergence of cryptocurrencies and blockchain technologies is to build a financial world with more efficiency and transparency, with the underlying infrastructure as a global trusted ledger. If we go back to the initial design of Bitcoin, it was targeted to build a peer-to-peer payment system. For Ethereum, it is targeted to be a smart contract platform for decentralized applications.”
Discover how tokenization is transforming finance—unlocking efficiency, transparency, and new opportunities across global markets.
Ample FinTech is proud to collaborate with DigiFT in this research article that covers how both DeFi and TradFi ecosystems are joining hands – with a focus into RWA tokenization, its benefits, regulatory challenges, business use cases, and more.
Tokenization is reshaping finance as we know it, with the bullish industry of RWA tokenization being led by financial giants like Blackrock, UBS and Franklin Templeton. Dive into how this shift is paving the way for greater efficiency, innovation, and growth in global markets.
Key Takeaways
- Tokenization Moving Forward
In recent months, the tokenization space has moved beyond proof-of-concept (PoC) and entered commercialization, with leading financial institutions paving the way.
- Regulatory Measures
While regulation for the global tokenization market remains unclear, major financial centres are developing more comprehensive frameworks, and some are becoming more welcoming to tokenization efforts.
- Financial Giants Leading Tokenization Efforts
This year, financial institutions like BlackRock, UBS, and Franklin Templeton have launched tokenization projects on public blockchains, competing with Web3-native initiatives
- Institutional Adoption Strategies
Market opportunities, infrastructure maturity, and licensing for innovative startups are key enablers for institutional adoption of public blockchains.
- Coordination in Public and Private Sectors
Private sector financial institutions are leading in asset tokenization, while in currency tokenization, there is increasing coordination between private and public sectors.
- Currency Tokenization on the Rise
With the increasing demand for cross-border payments, global economies have realized the inefficiencies of existing cross-border payment systems. High costs, low speed, and lack of transparency are increasingly becoming challenges that need urgent resolution. The G20 has developed a roadmap for cross-border payments to enhance the efficiency, transparency, and accessibility of payment systems. Currency tokenization has become one of the key routes to improve payment efficiency and cost.
- Blockchain Technology Transforming Payment Systems
The tokenization of currency not only brings cost reduction and efficiency improvements to payment systems but also achieves programmability and automation through smart contracts. This technology can provide more innovative, transparent, and faster solutions for complex financial transactions, with the global public sector undertaking related projects on a large scale.
Authors
Ryan Chen, Head of Research and Innovation, DigiFT
Louis Wan, Head of Research, Ample FinTech
Download Link
Download the full report in English here.
金融的建立基于信任——对基础设施的信任，对公司的信任，对人的信任。加密货币和区块链技术的出现是为了构建一个更高效和透明的金融世界，底层基础设施是全球信任的账本。如果回到比特币的最初设计，它旨在建立一个点对点支付系统；而以太坊则定位为去中心化应用的智能合约平台。
Ample FinTech与DigiFT合作撰写了一篇研究文章，介绍了DeFi和TradFi生态系统如何携手并专注于RWA（真实资产）代币化的趋势，其优势、监管挑战、业务用例等，探索代币化如何改变金融市场现状。就在当下，代币化技术正在重塑我们所熟悉的金融业，由像贝莱德、瑞银和富兰克林邓普顿这样的金融巨头领军，RWA代币化行业蓬勃发展。本篇文章从资产代币化和货币代币化两个角度切入，带领读者深入了解这种转变如何为全球市场带来更高的效率、创新和增长。研究文章的主要要点如下。
主要要点
- 代币化的进展
近年来，代币化领域已超越概念验证（PoC）阶段，进入商业化，领先的金融机构在引领这一进程。
- 监管措施
尽管全球代币化市场的监管尚不明确，但主要金融中心正在制定更全面的框架，对代币化的态度也越来越开放。
- 金融巨头引领代币化进程
今年，贝莱德、瑞银和富兰克林邓普顿等金融机构在公共区块链上推出了代币化项目，与Web3原生的项目竞争。
- 机构采纳的驱动因素
市场机遇、基础设施成熟度以及创新初创企业的许可是机构采用公共区块链的关键推动力。
- 公共和私营部门的协作
私营部门金融机构在资产代币化方面处于领先地位，而在货币代币化方面，公私部门的协作越来越紧密。
- 货币代币化的崛起
随着跨境支付需求的增加，全球经济体意识到现有跨境支付系统的低效率。高成本、低速度和缺乏透明度日益成为亟需解决的问题。G20已制定跨境支付的路线图，以提高支付系统的效率、透明度和可达性。货币代币化已成为提高支付效率和降低成本的关键途径之一。
- 区块链技术改变支付系统
货币代币化不仅为支付系统带来了成本降低和效率提升，还通过智能合约实现了可编程性和自动化。这项技术可以为复杂的金融交易提供更加创新、透明和快捷的解决方案，全球公共部门正在大规模开展相关项目。
作者
Ryan Chen, Head of Research and Innovation, DigiFT
Louis Wan, Head of Research, Ample FinTech
下载链接
在此下载完整的中文报告
