Bank of England policymaker says tokenized deposits may outpace stablecoins

According to the source, Bank of England official Sarah Green said tokenized deposits (bank-issued digital deposits) could become more mainstream than stablecoins in digital payments.

Summary

A source-linked report says Sarah Green of the Bank of England suggested tokenized deposits (bank-issued digital deposits) may become the dominant form of digital money over stablecoins. The comment points to a policy view that regulated bank liabilities issued on digital rails could play a larger role in payments and settlement than privately issued crypto-pegged tokens. In crypto markets, the distinction matters because stablecoins are widely used for trading and transfers, while tokenized deposits are designed to represent commercial bank deposits in a blockchain-based format.

Terms & Concepts
  • Tokenized deposits: Digital representations of commercial bank deposits issued on blockchain or similar infrastructure for payments and settlement.
  • Stablecoins: Crypto tokens designed to maintain a stable value, usually by being pegged to a fiat currency such as the U.S. dollar.
  • Blockchain: A distributed digital ledger that records transactions across a network, enabling shared and tamper-evident data updates.