Tokenized Deposits Landscape

You’ve learned how digital assets work. Now what? In this capstone episode of Blockchain for Bankers, the conversation shifts from technology to strategy: where should a bank start, and what should it consider before it does?Peter Tapling of PTap Advisory is joined by Carlos Netto, co-founder and CEO North America of Matera, Tara Edmonds, SVP and Enterprise Payment Strategy Leader at South State Bank, and Stuart Cook, an investor focused on tokenization and AI. Tara shares how South State Bank approached digital assets as a banking strategy question, and why it chose tokenized deposits as its starting point. The panel also discusses why digital assets are more than another payment rail, what account-based and wallet-based value mean for banks, and what to do today if your institution hasn’t started yet.

Peter Tapling of PTap Advisory is joined by Carlos Netto, co-founder and CEO North America of Matera, Keith Vander Leest, General Manager, U.S. at BVNK, and Eran Barak, Chief Commercial Officer at Cosmos. They explain why a tokenized deposit is still a bank liability, how it compares with a stablecoin on regulation, interest and the balance sheet, and why banks can use both: tokenized deposits for money at rest and stablecoins for money in motion. They also cover how banks can run tokenized deposits alongside their existing core and what it takes to move them between banks.

Banks protect their customers’ balances, transactions and counterparties. Public blockchains were built the opposite way, with every transaction visible to anyone. So how can banks offer digital assets without giving up the privacy their customers expect?In Episode 9, Peter Tapling of PTap Advisory is joined by Sophia Roman, a digital asset privacy expert, and Carlos Netto, co-founder and CEO North America of Matera. They explain what privacy means for a banker, which privacy technologies fit a bank’s KYC duties, and how banks can protect customers through product design on any public blockchain.Short and focused on financial institutions.

Peter Tapling, Adrian Wall and Molly Woodman unpack the CLARITY Act's stall in the Senate, the key sticking points, and what the delay means for banks navigating digital assets without a clear regulatory framework.

Tom Kornmeier (CPX), Peter Taplingand Sarah Hoisington break down how real-world assets like commercial paper, real estate and treasuries are being tokenized - bringing instant settlement, fractional ownership and 24/7 liquidity to markets built for banking hours.

Larry Pruss with SRM and Brian Mantel with the Adorant Group join Peter Tapling and Sarah Hoisington to answer the Top questions banks are asking about digital assets. They discuss key behaviors banks can look for that indicate a need for digital assets.

Ilan Gitter with the Solana Foundation joins Peter Tapling and Sarah Hoisington to explain how blockchains work, how they differ, and what banks should consider when evaluating them. They discuss on-chain transactions, consensus, tokens, cost, finality, privacy, custody and look at how financial institutions are using blockchains today.

We sat down with Sal Karakaplan, Chief Strategy Officer at The Clearing House, to discuss its newly announced Tokenized Deposits Clearing & Settlement Initiative and what banks should know.

Matt Cavin from Circle joins Peter Tapling and Sarah Hoisington to discuss the dynamics in the stablecoin market as well as the different paths banks can take to offer them and how much it costs to issue stablecoin.

Tony McLaughlin, CEO Ubyx joins Peter Tapling and Sarah Hoisington to discuss why this convergence is happening along with defining web3, how money moves through web3, give examples of banks moving to the blockchain and crypto players moving into banking and why.