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BNY Mellon launches tokenized deposits enabling faster settlement, improved liquidity, and regulated blockchain payments for major institutional clients worldwideBNY Mellon launches tokenized deposits enabling faster settlement, improved liquidity, and regulated blockchain payments for major institutional clients worldwide

BNY Mellon Launches Tokenized Deposit Service on Blockchain

Author: LiveBitcoinNews

Source: LiveBitcoinNews

2026/01/10 13:45

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BNY Mellon launches tokenized deposits enabling faster settlement, improved liquidity, and regulated blockchain payments for major institutional clients worldwide.

Bank of New York Mellon has launched a tokenized deposit service using blockchain infrastructure. As a result, institutional clients can transfer bank deposits on digital rails. Moreover, the service supports payment support, use of collateral, and margin transactions.

BNY Mellon Brings Bank Deposits Onto Blockchain Rails

According to Bloomberg, BNY Mellon said the service is a representation of existing client deposits held by the bank. As a result of this, no new money issuance happens through the platform. Instead, digital representations of deposits are sent onto-chain.

The custodian, which holds $57.8 trillion in assets, has developed the service based on a private blockchain. Furthermore, the network is a permissioned model controlled by BNY Mellon. Therefore, access is still limited to approved institutional participants.

Related Reading: Crypto News: BNY Mellon Eyes Blockchain Payments Amid $2.5 Trillion Daily Transactions | Live Bitcoin News

According to the bank, tokenized deposits enable near real-time settlement in collateral transactions. Additionally, the margin movements become more efficient through the automated processing of blockchain. As a result, liquidity management is improved through trading and financing operations.

Carolyn Weinberg, Chief Product and Innovation Officer, explained the strategy very well. She said the service brings trusted bank deposits on digital rails. Moreover, she emphasized that regulatory alignment is still at the center of the design.

Early participants include Intercontinental Exchange, Citadel Securities, Anchorage Digital, and DRW Holdings. In addition, Circle, Ripple Prime, Baillie Gifford, WisdomTree, and Zero Hash also joined the rollout. Consequently, the adoption of trading firms, asset managers, and digital assets platforms is a worldwide commercial spread.

The tokenized deposits reflect client balances already registered in the BNY systems. Therefore, the interest payments can proceed normally. Unlike stablecoins, these deposits are kept within the banking framework. As a result, they avoid the risks associated with outsourcing the issuance of tokens or leaving reserves unknown.

Tokenized Deposits Signal Infrastructure Shift in Traditional Finance

BNY Mellon’s launch comes after similar blockchain undertakings from JPMorgan Chase and HSBC. Consequently, traditional finance firms are bringing legacy settlement infrastructure into the future. This shift is in reaction to the institutional demand for speed, transparency, and operational efficiency in global markets.

The service works with existing banking systems without standardising record-keeping. Therefore, regulatory reporting and audit requirements are not different. Meanwhile, blockchain rails help boost the visibility and automation of transactions.

The launch also comes on the heels of the passage of the GENIUS Act in the United States. The legislation set up federal frameworks for digital assets such as stablecoins. As such, there is now more regulatory clarity regarding financial services based on blockchain technology.

Tokenized deposits are designed to lower settlement friction across collateral and margin flows. Besides, programmable features enable automatic transfers if predefined conditions are met. Therefore, financial operations become more efficient and predictable.

Industry analysts say tokenized deposits are fundamentally different from stablecoins. Notably, they continue to be liabilities of regulated banks. As a result, they enjoy the protections, supervision, and interest structures that are already in place.

Overall, BNY Mellon’s initiative demonstrates the accelerating convergence between blockchain and conventional finance. By not tokenizing deposits, the bank maintains trust. Therefore, tokenized deposits have the potential of being foundational infrastructure for future institutional digital markets.

The post BNY Mellon Launches Tokenized Deposit Service on Blockchain appeared first on Live Bitcoin News.

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BitcoinWorld Crucial Fed Rate Cut: October Probability Surges to 94% The financial world is buzzing with a significant development: the probability of a Fed rate cut in October has just seen a dramatic increase. This isn’t just a minor shift; it’s a monumental change that could ripple through global markets, including the dynamic cryptocurrency space. For anyone tracking economic indicators and their impact on investments, this update from the U.S. interest rate futures market is absolutely crucial. What Just Happened? Unpacking the FOMC Statement’s Impact Following the latest Federal Open Market Committee (FOMC) statement, market sentiment has decisively shifted. Before the announcement, the U.S. interest rate futures market had priced in a 71.6% chance of an October rate cut. However, after the statement, this figure surged to an astounding 94%. This jump indicates that traders and analysts are now overwhelmingly confident that the Federal Reserve will lower interest rates next month. Such a high probability suggests a strong consensus emerging from the Fed’s latest communications and economic outlook. A Fed rate cut typically means cheaper borrowing costs for businesses and consumers, which can stimulate economic activity. But what does this really signify for investors, especially those in the digital asset realm? Why is a Fed Rate Cut So Significant for Markets? When the Federal Reserve adjusts interest rates, it sends powerful signals across the entire financial ecosystem. A rate cut generally implies a more accommodative monetary policy, often enacted to boost economic growth or combat deflationary pressures. Impact on Traditional Markets: Stocks: Lower interest rates can make borrowing cheaper for companies, potentially boosting earnings and making stocks more attractive compared to bonds. Bonds: Existing bonds with higher yields might become more valuable, but new bonds will likely offer lower returns. Dollar Strength: A rate cut can weaken the U.S. dollar, making exports cheaper and potentially benefiting multinational corporations. Potential for Cryptocurrency Markets: The cryptocurrency market, while often seen as uncorrelated, can still react significantly to macro-economic shifts. A Fed rate cut could be interpreted as: Increased Risk Appetite: With traditional investments offering lower returns, investors might seek higher-yielding or more volatile assets like cryptocurrencies. Inflation Hedge Narrative: If rate cuts are perceived as a precursor to inflation, assets like Bitcoin, often dubbed “digital gold,” could gain traction as an inflation hedge. Liquidity Influx: A more accommodative monetary environment generally means more liquidity in the financial system, some of which could flow into digital assets. Looking Ahead: What Could This Mean for Your Portfolio? While the 94% probability for a Fed rate cut in October is compelling, it’s essential to consider the nuances. Market probabilities can shift, and the Fed’s ultimate decision will depend on incoming economic data. Actionable Insights: Stay Informed: Continue to monitor economic reports, inflation data, and future Fed statements. Diversify: A diversified portfolio can help mitigate risks associated with sudden market shifts. Assess Risk Tolerance: Understand how a potential rate cut might affect your specific investments and adjust your strategy accordingly. This increased likelihood of a Fed rate cut presents both opportunities and challenges. It underscores the interconnectedness of traditional finance and the emerging digital asset space. Investors should remain vigilant and prepared for potential volatility. The financial landscape is always evolving, and the significant surge in the probability of an October Fed rate cut is a clear signal of impending change. From stimulating economic growth to potentially fueling interest in digital assets, the implications are vast. Staying informed and strategically positioned will be key as we approach this crucial decision point. The market is now almost certain of a rate cut, and understanding its potential ripple effects is paramount for every investor. Frequently Asked Questions (FAQs) Q1: What is the Federal Open Market Committee (FOMC)? A1: The FOMC is the monetary policymaking body of the Federal Reserve System. It sets the federal funds rate, which influences other interest rates and economic conditions. Q2: How does a Fed rate cut impact the U.S. dollar? A2: A rate cut typically makes the U.S. dollar less attractive to foreign investors seeking higher returns, potentially leading to a weakening of the dollar against other currencies. Q3: Why might a Fed rate cut be good for cryptocurrency? A3: Lower interest rates can reduce the appeal of traditional investments, encouraging investors to seek higher returns in alternative assets like cryptocurrencies. It can also be seen as a sign of increased liquidity or potential inflation, benefiting assets like Bitcoin. Q4: Is a 94% probability a guarantee of a rate cut? A4: While a 94% probability is very high, it is not a guarantee. Market probabilities reflect current sentiment and data, but the Federal Reserve’s final decision will depend on all available economic information leading up to their meeting. Q5: What should investors do in response to this news? A5: Investors should stay informed about economic developments, review their portfolio diversification, and assess their risk tolerance. Consider how potential changes in interest rates might affect different asset classes and adjust strategies as needed. Did you find this analysis helpful? Share this article with your network to keep others informed about the potential impact of the upcoming Fed rate cut and its implications for the financial markets! To learn more about the latest crypto market trends, explore our article on key developments shaping Bitcoin price action. This post Crucial Fed Rate Cut: October Probability Surges to 94% first appeared on BitcoinWorld.

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BNY Mellon Launches Tokenized Deposit Service on Blockchain

BNY Mellon Brings Bank Deposits Onto Blockchain Rails

Tokenized Deposits Signal Infrastructure Shift in Traditional Finance

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