Wall Street is being tokenized. Two financial giants, Goldman Sachs and Bank of New York Mellon (BNY), have announced that they will allow their institutional clients 24/7 access to tokenized monetary funds, marking a turning point in crypto adoption by the traditional banking sector.


This advancement reflects a clear and growing trend: major financial players are migrating toward the tokenization of financial assets, a silent revolution that seeks to transform how money is accessed, settled, and managed.


🧩 What are tokenized monetary funds?


They are digitized versions of traditional low-risk funds (like Treasury funds or money market instruments), but they:


✅ They are represented as tokens on a private or public blockchain

✅ They operate seamlessly: access and settlement 24/7

✅ They offer full transparency and instant liquidity

✅ Integrate easily into DeFi platforms, DEXs, or institutional wallets


🏦 What are Goldman Sachs and BNY doing?




  • Goldman Sachs is developing its own private protocol to tokenize assets and offer direct participation in these funds through blockchain technology.




  • BNY Mellon, which already manages custody of digital assets, plans to offer its institutional clients the ability to move capital between tokenized funds with less friction, shorter settlement times, and greater operational efficiency.




Both banks aim for these instruments to be part of the financial infrastructures of the future, facilitating real-time operations between banks, funds, corporations, and regulated DeFi platforms.


🔍 Why is it important?




  • 🕒 24/7 access eliminates the limits of traditional banking hours




  • 🌍 Tokenized assets can move globally with fewer intermediaries




  • 📉 Costs and settlement times are reduced




  • 🔒 Increases security thanks to blockchain traceability




  • 💼 Marks the beginning of large-scale institutional crypto-fiat integration




🚀 The future is tokenized


According to analysts, more than 10% of the global financial market could be tokenized in the next 5 years. Tokenized versions of the dollar (USDC, JPM Coin), Treasury bonds, and now monetary funds already exist. The line between traditional and digital assets is becoming blurred.



📌 Conclusion

Tokenization is no longer theory. It is practice. And when institutions like Goldman Sachs and BNY make a move, it's because the infrastructure is ready and demand exists. What started with stablecoins and DeFi is now expanding to the heart of the financial system.


The question is no longer 'if?'... but 'when will all financial assets migrate to blockchain?'



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