{"id":189021,"date":"2026-01-09T21:00:50","date_gmt":"2026-01-09T19:00:50","guid":{"rendered":"https:\/\/cryptodnes.bg\/en\/?p=189021"},"modified":"2026-01-09T19:25:44","modified_gmt":"2026-01-09T17:25:44","slug":"how-bny-is-rewiring-institutional-money-movement","status":"publish","type":"post","link":"https:\/\/cryptodnes.bg\/en\/how-bny-is-rewiring-institutional-money-movement\/","title":{"rendered":"How BNY Is Rewiring Institutional Money Movement"},"content":{"rendered":"

The custodian, which safeguards $57.8 trillion in client assets, has enabled<\/a><\/strong> select institutional customers to transfer deposits on-chain and use them continuously for collateral, margin, and payment flows. The system is designed to operate around the clock, removing the friction created by banking hours in markets that increasingly never close.<\/p>\n

Early participants span both traditional finance and crypto-native firms, including ICE, Citadel Securities, DRW, Ripple Prime, Baillie Gifford, and Circle. Their involvement signals that tokenized deposits are being tested not as an experiment, but as live financial plumbing.<\/p>\n

Banking Adapts to Always-On Markets<\/h2>\n

Unlike stablecoins, these deposits never leave the banking system. They represent actual balances held at a regulated institution and can earn interest, making them closer to digital cash inside a bank than a privately issued settlement token. As regulation around stablecoins becomes clearer in the US following the GENIUS Act, banks are increasingly positioning tokenized deposits as a parallel \u2013 and arguably safer \u2013 alternative.<\/p>\n

For BNY, the strategic goal is not to replace existing infrastructure, but to modernize it. By making deposits programmable and transferable on-chain, the bank is laying the groundwork for real-time settlement in tokenized markets, including equities and bonds. ICE has already indicated plans to integrate these deposits into clearing operations as it prepares for continuous trading models.<\/p>\n

This shift is not happening in isolation. JPMorgan has rolled out JPM Coin, HSBC is expanding tokenized deposit services across regions, and European banks such as UBS and Sygnum have been testing blockchain settlement. Even SWIFT is building toward on-chain interoperability.<\/p>\n

What ties these efforts together is a shared realization: future markets will not wait for banks to open. Rather than compete with crypto-native money, major financial institutions are adapting blockchain technology to their own balance sheets. BNY\u2019s move suggests that tokenized deposits are evolving from concept to core infrastructure \u2013 a bridge between traditional finance and always-on markets that no longer tolerate downtime.<\/p>\n

Looking for more ideas? Read our full <\/span>guide to the best meme coins<\/span><\/a> to invest in this year.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

BNY is quietly redefining how institutional money moves. Instead of launching a new crypto product or token, the bank has taken a more conservative – and potentially more disruptive – route: putting traditional bank deposits onto blockchain rails.<\/p>\n","protected":false},"author":9,"featured_media":30764,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[28],"tags":[424,289],"coin_category":[],"class_list":["post-189021","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech","tag-crypto","tag-meme-coins"],"acf":[],"yoast_head":"\nHow BNY Is Rewiring Institutional Money Movement - CryptoDnes EN<\/title>\n<meta name=\"description\" content=\"BNY is quietly redefining how institutional money moves. 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