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FollowingCore Highlights
Major UK banks-Lloyds, NatWest and Barclays-successfully completed two home loan transactions using tokenized deposits, marking the first time that cross-bank funds of this nature have occurred. At the same time, another trial involving three institutions, including HSBC, conducted point-to-point payment tests that simulated e-commerce transactions.
These groundbreaking tests are part of the Great British Tokenised Deposit initiative coordinated by UK Finance. Tokenized deposits have exactly the same legal status as traditional bank deposits, which is completely different from stablecoins issued by private institutions.
The consortium of financial institutions participating in the project plans to issue three digital bonds in the first quarter of 2027 and use tokenized deposits for settlement.
Understand tokenized deposits
Tokenized deposits convert funds in traditional bank accounts into digital tokens registered on blockchain infrastructure. These tokens have exactly the same legal recognition as the underlying deposits they represent. This characteristic distinguishes them from stablecoins, which are usually issued by private companies and pegged to the U.S. dollar or other currencies. Stable coins draw capital from the traditional banking system, raising concerns about borrowing costs and currency independence.
The Bank of England said it would prefer banks to explore tokenized deposits rather than stablecoins.
金融机构及相关组织在过去十年中一直努力尝试将区块链技术整合到其运营基础设施中。他们生成了代表存款、股票、债务工具和各种货币的代币。然而，挑战在于每个机构都开发了专有的区块链基础设施。这些孤立的平台缺乏互操作性，阻止了跨机构的转账。最近的实验旨在证明这一障碍是可以克服的。
试点实施细节
在模拟的电子商务交易中，可编程存款在买方账户中预留资金。只有在确认收到商品后，资金才会转移给供应商。英国金融协会支付与创新部门总经理 Jana Mackintosh 解释说，这种安排展示了该技术减少欺诈活动的潜力。虽然在实验过程中资金在账户之间转移，但实际上并没有发生任何商品的交换。
两笔再抵押贷款交易采用了类似的方法。在房产交易完成后，受保资金会自动释放。
据英国金融协会称，与传统支付基础设施相比，代币化存款有潜力降低交易费用并加快处理速度。金融机构在推动更广泛的代币化资产流通时也提出了类似的论点。
目前，该倡议的目标是成立一家企业实体，并制定全面的规则书和治理框架。这一基础设施旨在将该计划从实验阶段过渡到全面运营部署。
Mackintosh 指出，过去一年来，国际同行对该项目表示了兴趣。她提到了与寻求指导以实施类似举措的欧洲同事的讨论。
美国也启动了类似的努力。作为银行协会和支付组织的 The Clearing House 在 6 月透露了其跨行代币化存款倡议。
英国的下一个里程碑是数字债券发行。项目参与者计划在 2027 年第一季度推出三只数字债券，允许通过代币化存款进行交易和结算。
