Digital Assets
Deposit tokens and the settlement layer under tomorrow's credit book
Programmable, 1:1-backed commercial bank money changes when a loan settles, how collateral is held, and how liquidity is managed.
6 min read
Deposit tokens are blockchain representations of bank deposits: fully backed, still on the bank's balance sheet, programmable and available around the clock. Projections put bank-token transaction volume in the region of $100–140 trillion a year by 2030, rivalling or surpassing stablecoins.
For lenders, the interesting property is programmability. Disbursement conditional on a verified invoice, escrow that releases against delivery, and collections that sweep automatically on a defined event all become native features rather than operational processes.
Twenty-four-hour settlement also compresses the float that supply chain and trade finance quietly pay for today — margin that can be returned to the borrower or reinvested in reach.