Tokenization

Recently, Michelle Bowman, vice chairman of the Federal Reserve for Supervision, made a statement that caused a storm of discussion in the financial community. At the Wyoming Blockchain Symposium on August 19, she warned that if banks do not actively implement blockchain and other innovative technologies, they may lose their relevance amid the rapidly changing realities of the financial market.
Bowman stressed the need to abandon an overly cautious approach to new technologies and said that both banks and regulators must adapt to the new financial landscape. Her words send a clear message: the future of the banking system depends on the ability to be flexible and innovate.
Why is this so important for banks?
According to Bowman, the introduction of blockchain is not just useful, but vital for maintaining the competitiveness of banks. If institutions do not adapt to the new digital world, they risk becoming "secondary players" in the market, while more progressive banks will be able to strengthen their positions and benefit from this transition.
This, in turn, is related to several key aspects. For example, blockchain technologies can significantly simplify and speed up the processes associated with asset transfer. Bowman pointed to tokenization — the transformation of physical assets into digital tokens — as an example of the immediate application of blockchain. The introduction of this technology makes it possible to bypass intermediaries, speed up operations and reduce operational risks associated with the physical movement of securities.
Tokenization opens the way to more efficient and cheaper operations. It also increases access to the market for a wider range of players, including small banks and public organizations, which may not have much capital, but will be able to offer effective solutions thanks to new technologies.
Fighting fraud and improving security
In addition, blockchain can play an important role in preventing financial crimes. Bowman stressed that financial institutions often face risks associated with identity theft and other types of fraud. However, blockchain technology can significantly reduce fraud due to its transparency and immutability of data. And if new technologies can help solve this problem, it is important that the regulatory framework does not become an obstacle to their implementation.
The head of the Federal Reserve believes that cooperation between banks and regulators, as well as active work on creating legislative conditions for blockchain, is an excellent opportunity to improve the security of financial transactions.
Risks and opportunities
But here the question arises: will the banks' transition to new technologies be fast enough to keep up with competitive players? And will they be able to do this before the market is completely dominated by digital technologies? Experts disagree, but one thing is clear: those banks that do not adapt may be among the outsiders.
What do you think: should banks take risks and continue to stick to the old approaches, or is it better to integrate the blockchain immediately in order to keep up with new trends?
#blockchain #BlockchainNews #blockchains #Tokenization #banks

📅 August 20 | San Francisco, USA
The crypto giant Kraken is shaking up the scene again with an unexpected move: its tokenized stock platform, known as xStocks, has just expanded to the Tron (TRX) blockchain. The alliance with Backed, the Swiss firm specializing in tokenized assets, had already consolidated operations on Ethereum and Polygon, but now adds Tron to open access to investors in one of the most used ecosystems for global transfers.
The news strengthens the bridge between traditional markets and cryptocurrencies, at a time when financial tokenization is growing rapidly.

📖 Kraken's xStocks initiative began as a hybrid investment experiment, offering users the ability to acquire tokenized stocks of real companies (such as Apple, Tesla, or Microsoft) directly on the blockchain, thanks to its partnership with Backed. Each token represents a security backed by an underlying asset, stored and regulated in Switzerland under the legal framework for digital securities.
Until now, the operation operated primarily on Ethereum and Polygon**, blockchains with high liquidity but also scalability and gas cost challenges. Therefore, the decision to incorporate Tron marks a strategic shift. With more than 2 million daily transactions and a leading role in stablecoins like USDT, Justin Sun's network has become a pillar of the movement for fast and cheap global transfers.
According to the details revealed, the expansion will allow Tron users to access an initial catalog of more than 100 tokenized stocks, from tech giants to index funds. The goal, in the words of Kraken and Backed, is to democratize access to traditional financial instruments through globally accessible blockchain infrastructures.
This move comes amid the tokenization boom: according to the Boston Consulting Group, the tokenized asset market could reach $16 trillion by 2030, including stocks, bonds, and real estate. Kraken seeks to position itself as one of the major players in this wave of convergence between Wall Street and the crypto ecosystem.
The Tron factor is no small feat: with a massive user base in Asia and Latin America, where banking restrictions drive the adoption of blockchain solutions, this integration could catapult xStocks to a new level of adoption.

Topic Opinion:
What's interesting is that it's not limited to Ethereum, but rather focuses on blockchains with high traction in global payments, like Tron.
💬 Would you use Tron to invest in Apple or Tesla directly from your wallet?

Leave your comment...
#Kraken #Tron #xStocks #Tokenization #CryptoNewss $TRX

Ripple, together with the Blockchain Association of Singapore (BAS), hosted a workshop in Singapore focused on the security of cryptocurrency and stablecoin custody. Ripple’s policy team presented four fundamental principles that custody providers should follow if they want to succeed in the evolving digital finance landscape.
Compliance from the ground up
Ripple emphasized the importance of the “compliance by design” principle. This means that regulatory requirements must be embedded directly into the architecture of custody solutions – as required by regulators such as the Monetary Authority of Singapore (MAS), which demands strict protocols for asset segregation and enforcement.
Flexible custody models
According to Ripple, institutions need the ability to choose between different custody models – whether third-party custody, hybrid solutions, or self-custody. Each enterprise should adopt the model that fits its strategy and risk profile.
Operational resilience and cybersecurity
Ripple executives also highlighted that custody systems must withstand disruptions and meet regulatory requirements such as the EU’s Digital Operational Resilience Act (DORA). Strong monitoring and fast incident response are essential for defending against cyber threats.
Governance and oversight
The fourth principle is robust governance – meaning clear separation of duties, independent oversight, and regular audits to build trust among investors and regulators.

Custody as the foundation of digital finance
According to Ripple’s Rahul Advani and Caren Tso, digital asset custody is becoming the critical entry point for businesses looking to engage with stablecoins, tokenized assets, and cross-border settlements.
Institutional custodians can play a major role by offering API integrations, AML tools, and programmable features that support cash flow management and the protection of tokenized trade documents.
Ripple also highlighted its stablecoin RLUSD, issued under a New York trust company charter. This requires it to hold segregated reserves, undergo third-party audits, and remain fully backed by the U.S. dollar.

Tokenized assets: the market of the future
A joint Ripple–Boston Consulting Group study predicts that real-world tokenized assets could reach $18.9 trillion by 2033, while Standard Chartered estimates up to $30 trillion by 2034.
In Asia alone, more than half of businesses plan to adopt custody solutions within the next three years. This reflects the sharp rise of tokenization markets, which have grown by 380% over the past three years and reached around $24 billion in June 2025.
At the same time, major players are entering the field – Goldman Sachs and BNY Mellon are piloting tokenized money market funds, while BlackRock, Coinbase, Bank of America, and Citi are exploring tokenization and digital securities.

👉 Ripple’s workshop in Singapore not only outlined custody standards but also reinforced that without robust, secure custody solutions, the expansion of digital finance will not be possible.

#Ripple , #Stablecoins , #DigitalAssets , #Tokenization , #CryptoSecurity

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Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“

Stellar Partners with Archax to Drive RWA Tokenization and Expand in Europe

2025 – The Stellar Development Foundation (SDF) has announced a strategic investment in Archax, the UK’s first FCA-regulated digital asset exchange and custodian. This partnership strengthens Stellar’s role in real-world asset (RWA) tokenization and builds a solid foundation for expansion into the European market.
RWA Tokenization – A Booming Billion-Dollar Market
The RWA sector has grown from $15.2B (Dec 2024) to over $24B (June 2025), marking an 85% year-on-year increase.RWA is rapidly becoming a cornerstone of global digital finance.
Archax – Bridging Traditional Finance and Blockchain
Archax is the first FCA-regulated crypto exchange in the UK, serving institutional investors.The exchange has already collaborated with Lloyds Banking Group and Aberdeen Investments, showcasing blockchain’s integration into traditional finance.CEO Graham Rodford emphasized: “86% of institutions already have or plan to have digital asset allocations in 2025. Having Stellar as a strategic partner strengthens our vision to lead Europe’s RWA tokenization market.”
Stellar – Purpose-Built for Tokenization
Raja Chakravorti, Chief Business Officer at SDF, highlighted: “Stellar was purpose-built for fast settlements, low costs, and tokenization of real-world assets.”This marks Stellar’s second investment in Archax in 2025, following a $4M injection in Q1 to help build institutional infrastructure for tokenized funds and on-chain treasuries.
Conclusion
The partnership with Archax demonstrates Stellar’s commitment to becoming a global bridge between blockchain and institutional finance, accelerating the adoption of RWA tokenization worldwide.
Fast, affordable, and reliable – Stellar is shaping the next era of digital assets.

Stellar invests in UK-based Archax to advance RWA tokenization and expand into Europe. RWA market surges 85% YoY, surpassing $24B by mid-2025.

#Stellar #Archax #Tokenization #RWA #CryptoAdoption

Ripple is putting digital asset custody in the spotlight, arguing that without it, the tokenized economy will never fully take off. By 2033, the value of tokenized assets could reach $18.9 trillion – but only if institutions have access to secure, flexible, and regulation-ready infrastructure for asset management.

Custody Is No Longer Just a Technical Service
At a workshop organized in collaboration with the Blockchain Association of Singapore (BAS), Ripple emphasized that custody has moved far beyond being a mere technical function. It has become a pillar of institutional trust, operational resilience, and regulatory compliance.
In areas like stablecoins, cross-border payments, and real-world asset tokenization, secure custody is the essential foundation. Yet according to Ripple’s latest report, only 30% of firms currently use custody platforms, while more than half plan to adopt them within three years.

Five Priorities Shaping the Future of Custody
Ripple highlighted five key priorities that will determine the future of custody infrastructure:
🔹 Compliance-by-design – systems must be built with regulation in mind from day one, not retrofitted later. This fosters trust, enables asset recovery, and creates transparent audit trails.
🔹 Flexibility – there is no one-size-fits-all model. Some institutions manage assets internally, others rely on external providers, while many now prefer hybrid solutions.
🔹 Operational resilience – institutions expect uninterrupted service even during crises. This requires multi-layered security, strong incident response, and alignment with global frameworks like the Digital Operational Resilience Act (DORA).
🔹 Governance – clear internal controls, role separation, and independent oversight help reduce risks.
🔹 Stablecoin adoption – corporate payments, liquidity management, and trade finance all demand enterprise-grade custody that integrates seamlessly with existing systems while satisfying regulators.

Stablecoins, Tokenization, and Future Innovation
Ripple noted that while stablecoins are already being tested in payments and trading, mass adoption will require scalable custody infrastructure. Institutions are seeking real-time monitoring, programmable settlement, and complete regulatory transparency.
As an example, Ripple pointed to its own stablecoin, RLUSD, issued under a New York trust company charter.
Looking ahead, custody could expand beyond finance to cover tokenized documents – such as compliance certificates or ESG reports – connecting business processes to the on-chain ecosystem and making global trade faster, more efficient, and easier to audit.

A Gateway to the Tokenized Era
For Ripple, the conclusion is clear: asset custody is the entry point to the tokenized economy. As institutional demand for digital assets grows, so will the need for robust, regulation-compliant custody solutions.
The next phase could bring deeper integration with smart contracts and programmable finance, helping tokenized assets evolve from a rising trend into a mainstream feature of global markets.

#Ripple , #Tokenization , #DigitalAssets , #Stablecoins , #blockchain

Stay one step ahead – follow our profile and stay informed about everything important in the world of cryptocurrencies!
Notice:
,,The information and views presented in this article are intended solely for educational purposes and should not be taken as investment advice in any situation. The content of these pages should not be regarded as financial, investment, or any other form of advice. We caution that investing in cryptocurrencies can be risky and may lead to financial losses.“

The Stellar Development Foundation (SDF), the organization behind the Stellar blockchain, has announced a strategic investment in Archax, a UK-regulated digital asset platform. This partnership is aimed at supercharging the tokenization of real-world assets (RWAs), a market projected to grow into a trillion-dollar industry by 2030.
Why This Matters:
Real-World Utility: Archax has already integrated the Stellar network and used it to launch a tokenized Aberdeen money market fund. This is a concrete example of how a crypto network is being used to make traditional finance more efficient.
The Future of Finance: Global banks are increasingly exploring tokenization to make financial instruments like bonds and funds more efficient. Stellar's network, which was designed for fast settlement and low costs, is perfectly positioned to become a key player in this new financial frontier.
A Growing Market: The RWA tokenization market has already doubled in the last year to $26 billion and is expected to see explosive growth as more institutions get involved. This partnership positions Stellar at the forefront of this trend.
The deal highlights the growing confidence that major players have in blockchain technology to revolutionize how traditional financial assets are managed and traded. This could be a significant step toward bridging the gap between crypto and mainstream finance.

#stellar #XLM #Tokenization #RWAS
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One of the biggest crypto trends in 2025 is the tokenization of real-world assets (RWA). From real estate to stocks and even art, blockchain is transforming how people invest in traditional markets.

🔑 What Is RWA Tokenization?

Tokenization means creating digital tokens on the blockchain that represent ownership of a real asset. For example, instead of buying an entire building, you could own a fraction of it through tokens.
📈 Why RWA Tokenization Matters
Accessibility: Makes high-value assets like real estate affordable to everyday investors
Liquidity: Assets that were once hard to trade (like property or art) can now be exchanged easily
Transparency: Blockchain ensures records of ownership are secure and visible
Global Reach: Anyone with internet access can invest in tokenized assets
🛠 Examples of Tokenized Assets
Real Estate: Fractional ownership of buildings and land
Commodities: Gold, silver, and other resources on blockchain
Equities: Shares of companies represented as tokens
Art & Collectibles: High-value artworks divided into tradable digital tokens
⚠️ Things to Keep in Mind
Regulations around RWA tokenization are still developing
Liquidity depends on adoption and exchange listings
Always research platforms before investing
🚀 Final Takeaway

Tokenization of real-world assets is bridging traditional finance and blockchain, unlocking new opportunities for investors worldwide. As adoption grows, RWA could become one of the most powerful use cases for crypto in the coming years.

#RWA #Cryptotrend2025 #Tokenization #Binance #CryptoInvesting