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FollowingCanada's six largest banks jointly explore a tokenized deposit system to accelerate the digitalization of payment infrastructure
Canada's six largest banks recently announced a joint initiative to explore the establishment of a shared Canadian dollar tokenized deposit system. The move marks the country's most significant step to date in the digitization of payment infrastructure.
Overview of participating institutions and projects
According to a joint announcement released on Tuesday, six banks jointly exploring the system include Bank of Montreal (BMO), Canadian Imperial Bank of Commerce (CIBC), National Bank of Canada, Royal Bank of Canada (RBC), Scotiabank and TD Bank Group of Toronto.
The so-called tokenized deposits refer to the digital expression of traditional bank deposits, which can be recorded and transferred through blockchain or similar technology. This technology is expected to enable near-real-time, round-the-clock movement and settlement of funds.
Project Objectives and Regulatory Position
The first phase of the initiative aims to enable the flow of tokenized deposits among Canadian financial institutions, and its long-term goal is to connect it with other digital asset initiatives.
Banks said the system can support faster, programmable and 24/7 payment services while ensuring customer funds remain within the regulated banking system. These tokens are issued by commercial banks and, from a legal perspective, depositors can regard them as the same assets as traditional bank deposits.
加拿大银行业监管机构——金融事务监察长办公室（OSFI）本月早些时候指出，代币化存款“在法律上并不区别于传统存款”。
依托更广泛的数字金融战略
早在2026年初，加拿大央行、RBC和多伦多道明银行完成了“萨马拉项目”（Project Samara）。该项目在分布式账本上发行、交易并结算了价值1亿加元的债券，使用的是代币化的批发加元。
此次新的六家银行倡议更进一步，将目标锁定为可在多个机构间同时流转的商业银行存款。不同于之前的尝试，该项目侧重于构建一个可复用的支付层，以服务于代币化证券、企业交易及其他数字资产的跨机构流动。
尽管贷款机构表示其长期目标是“与其他新兴数字资产倡议相连接”，但并未具体指明是哪些倡议。
在全球各国政府和金融机构竞相建立数字货币框架的背景下，这一举措使加拿大银行业成为这一变革的积极参与者，而非旁观者。
