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FollowingCanada's six major banks join forces to build a digital currency sharing infrastructure
Royal Bank (RBC), Dominance Bank of Toronto (TD), Bank of Montreal (BMO), Scotiabank, Canadian Imperial Bank of Commerce (CIBC) and National Bank of Canada announced that they are jointly exploring the establishment of a Canadian dollar denominated tokenized deposit system. The focus of the first phase is to transfer funds between banks rather than directly to consumer wallets.
What is a tokenized deposit?
Tokenized deposits refer to the expression of traditional bank deposits on the shared ledger in the form of digital tokens-the nature of the funds, the bank to which they belong and the regulatory rules remain unchanged, and they only rely on different networks to operate. This is not a new type of cryptocurrency, nor is it a central bank digital currency (CBDC).
As the six banks said in a joint statement, they want the system to be "competitive and secure" while retaining existing safeguards for existing commercial banking operations. In addition, they also plan to reserve space for other Canadian deposit-based financial institutions to join in the future.
Improving efficiency and automation potential
Currently, except for basic electronic transfers, funds clearing between Canadian banks is relatively slow. In theory, a shared token system would allow banks to achieve real-time settlement around the clock and support programmable payment functions-for example, funds can be automatically released as soon as goods are cleared.
普通客户可能不会直接感知到这一变化。它将在后台运行，就像人们如今对ACH转账背后的布线机制毫无察觉一样。
与央行数字货币讨论的区别
该项目与加拿大关于发行数字美元的公共辩论截然不同。2023年，加拿大银行就可能的数字加元进行了公开咨询，收到了近9万份回复。其中85%的受访者表示不会使用假设中的数字加元，许多人高度重视隐私权并坚持继续使用现金。
加拿大此前曾尝试过数字现金项目但已搁置。皇家铸币厂于2016年出售了其MintChip数字现金试点项目，基于该项目的应用程序也在2018年彻底关闭。
全球竞争格局
在美国，摩根大通、花旗银行、美国银行和富国银行正通过The Clearing House（一家由银行拥有的实时支付运营商）构建 rival 代币化存款网络，目标是在2027年上半年推出，主要目的是防止稳定币分流银行存款。此外，美国39个州的银行协会也成立了BankChain联盟，旨在服务于社区和地区性贷款机构。
值得注意的是，加拿大的丰业银行和多伦多道明银行也是21家支持另一种美元稳定币联合项目的银行成员之一，同样瞄准2027年上半年上线——这意味着同一家机构同时在代币化存款和稳定币领域下注。
另一家银行蒙特利尔银行（BMO）今年已在谷歌云上的CME集团代币化现金平台上正式上线，成为该平台首家接入的银行，允许机构客户全天候调动美元用于保证金和抵押品管理。
未来展望
目前，这六家加拿大银行尚未设定具体的启动日期。第一阶段仅限于参与机构之间的转账，而向其他存款类参与者开放系统仍仅为既定目标，而非具有约束力的承诺。
