{"id":72426,"date":"2026-05-13T00:08:40","date_gmt":"2026-05-13T00:08:40","guid":{"rendered":"https:\/\/crowdfundjunction.com\/blog\/us-banks-prepare-for-tokenization-tipping-point-moodys-ratings-finds-bitcoin-news\/"},"modified":"2026-05-13T00:08:40","modified_gmt":"2026-05-13T00:08:40","slug":"us-banks-prepare-for-tokenization-tipping-point-moodys-ratings-finds-bitcoin-news","status":"publish","type":"post","link":"https:\/\/crowdfundjunction.com\/blog\/us-banks-prepare-for-tokenization-tipping-point-moodys-ratings-finds-bitcoin-news\/","title":{"rendered":"US Banks Prepare for Tokenization Tipping Point, Moody\u2019s Ratings Finds \u2013 Bitcoin News"},"content":{"rendered":"<p><b>(Originally posted on : Bitcoin News )<\/b><br \/>\n<\/p>\n<div>\n<div class=\"@container mb-[25px] rounded-sm overflow-clip py-0.5 pr-0.5 pl-2.5 bg-success-100\">\n<div class=\"flex flex-col gap-m overflow-clip rounded-[6px] !bg-success-10 p-3 @[420px]:p-m\">\n<h2 class=\"m-0 flex items-center gap-s text-[19px] !text-[#1c1c1c] md:text-[20px]\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"10\" viewbox=\"0 0 16 10\" fill=\"none\" class=\"shrink-0 text-success-100\" aria-hidden=\"true\"><path d=\"M1 1.5h14\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><path d=\"M1 8.5h10\" stroke=\"currentColor\" stroke-width=\"2.5\" stroke-linecap=\"round\"\/><\/svg><span>Key Takeaways<\/span><\/h2>\n<ul class=\"m-0 flex list-none flex-col gap-m pl-0\">\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Moody\u2019s reports that U.S. banks see a \u201cslow then fast\u201d shift to tokenized assets and digital money as inevitable.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">DTCC plans to launch limited production trades of tokenized securities in July 2026 to modernize U.S. markets.<\/span><\/li>\n<li class=\"m-0 flex items-start gap-s !text-[#434248]\"><span class=\"mt-2 size-2 shrink-0 rounded-full bg-success-100\" aria-hidden=\"true\"\/><span class=\"text-body\">Tokenized MMFs reached $10 billion in 2026, signaling a growing institutional demand for onchain liquidity.<\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<h2>Digital Money Evolution: U.S. Financial Institutions Eye 24\/7 Tokenized Markets<\/h2>\n<p>Currently, activity is concentrated in <a href=\"https:\/\/news.bitcoin.com\/90-of-perus-28-billion-crypto-market-is-now-driven-by-stablecoins\/\">stablecoins<\/a>, tokenized deposits, and money market funds (MMFs). Most of this <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-is-trading-volume\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">volume<\/a> stems from <a href=\"http:\/\/www.bitcoin.com\/get-started\/a-quick-introduction-to-crypto\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">cryptocurrency<\/a> trading and specific institutional use cases. Moody\u2019s notes that retail and corporate demand for blockchain-based payments remains low.<\/p>\n<p>Many companies continue to rely on traditional methods like paper checks, viewing payment technology upgrades as a secondary priority compared to <a href=\"https:\/\/news.bitcoin.com\/study-generative-ai-could-add-trillions-to-global-economy\/\">artificial intelligence (AI)<\/a>. Market participants believe payments alone will not drive mass adoption. Instead, the real value is expected to emerge when tokenized versions of mainstream financial assets or agentic commerce take off.<\/p>\n<p>These use cases require onchain settlement to enable instant, programmable transactions. In this environment, U.S. banks generally view tokenized deposits as a natural evolution of the existing deposit model.<\/p>\n<p>The report notes that \u201cconversations with major U.S. banks and financial market intermediaries, and a review of public disclosures, reveal a forming consensus that there will be a \u2018slow, then fast\u2019 transition to a more digitalized financial system.\u201d By contrast, many banks view privately issued <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-are-stablecoins\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">stablecoins<\/a> warily. They see them as a potential threat from non-banks or tech firms that could bypass traditional regulated frameworks and funding structures.<\/p>\n<p>The transition to a fully digital, 24\/7 financial market is expected to run on a hybrid model for a decade or more. This allows traditional and tokenized systems to operate in parallel while systems are updated. Incumbents like the Depository Trust Company (DTC) are already moving toward integration. In late 2025, the SEC provided no-action relief to pilot tokenizing certain DTC-held assets, including large-cap equities.<\/p>\n<p>On May 4, 2026, the <a href=\"https:\/\/news.bitcoin.com\/dtcc-tokenization-draws-50-firms-for-live-securities-testing\/\">DTCC<\/a> announced it would facilitate limited production trades of tokenized securities in July 2026. A full-service launch is currently planned for October 2026. Key hurdles remain, including the need for clear legal ownership and settlement finality. Integrating distributed ledger technology into existing infrastructure requires a major restructuring of market processes.<\/p>\n<p>Despite the challenges, <a href=\"https:\/\/news.bitcoin.com\/debt-reckoning-moodys-downgrades-us-credit-amid-fiscal-freefall\/\">Moody\u2019s<\/a> indicates that tokenized money market funds are growing quickly. These products currently have approximately $10 billion outstanding, addressing a need for onchain <a href=\"http:\/\/www.bitcoin.com\/get-started\/what-is-liquidity\/\" class=\"lar_link lar_link_outgoing\" target=\"_blank\" rel=\"noopener noreferrer\">liquidity<\/a> and yield. Insiders suggest that \u201conce key building blocks (legal and regulatory clarity, proven and integrated technology and investor buy-in) fall into place, adoption could shift into a much higher gear.\u201d<\/p>\n<p>Financial incumbents are investing heavily now to avoid being caught flat-footed when the market shifts.<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/news.bitcoin.com\/us-banks-prepare-for-tokenization-tipping-point-moodys-ratings-finds\/\">Source link <\/a><br \/>\n<br \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(Originally posted on : Bitcoin News ) Key Takeaways Moody\u2019s reports that U.S. banks see a \u201cslow then fast\u201d shift to tokenized assets and digital money as inevitable. DTCC plans to launch limited production trades of tokenized securities in July 2026 to modernize U.S. markets. Tokenized MMFs reached $10 billion in 2026, signaling a growing [&hellip;]<\/p>\n","protected":false},"author":19,"featured_media":72427,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[32],"tags":[],"_links":{"self":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/72426"}],"collection":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/comments?post=72426"}],"version-history":[{"count":0,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/posts\/72426\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media\/72427"}],"wp:attachment":[{"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/media?parent=72426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/categories?post=72426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/crowdfundjunction.com\/blog\/wp-json\/wp\/v2\/tags?post=72426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}