3 posts tagged with "DigitalAssets"

2025 marks the year stablecoins and tokenized deposits move from pilots to policy in the United States.

With the GENIUS Act introducing the first federal framework for payment stablecoins—setting clear expectations for reserves, audits, and compliance—and the FDIC preparing guidance on tokenized deposits and bank-issued stablecoins, the conversation among U.S. bank leaders has shifted from if to how.

Major institutions are now issuing USD deposit tokens on public Layer 2 networks, driving demand for 24/7 settlement and programmable money in institutional finance. The message across every tier of the banking system is the same: banks need practical, compliant infrastructure—not proofs of concept.

At LedgerLink, our platform was purpose-built for this new era, built around three core pillars:

➡️ RAILS: Enterprise-grade tokenization and settlement infrastructure within permissioned environments, enabling banks to issue and manage payment stablecoins and tokenized deposits.

➡️ LINK: Compliance, orchestration, and integration tools that help banks operationalize regimes like the GENIUS Act and upcoming FDIC tokenized-deposit guidance—with full audit trails, AML/KYC integration, and granular policy controls across wallets, entities, and networks.

➡️ ENGINE: AI-powered liquidity and risk analytics across fiat, stablecoins, and tokenized deposits, giving treasury, risk, and finance teams a unified view of intraday positions, stress scenarios, and funding impacts.

Together, these layers create a robust foundation for operating safely and efficiently across fiat and blockchain networks—turning evolving regulation into bank-grade, governed infrastructure.

Let’s discuss how your institution can take the next step.

Some banking customers see stablecoins as competition to banks. Others see tokenized deposits as the next chapter of banking. We at LedgerLink see a world where these new instruments co-exist with old ones and both are opening new opportunities.

The signals are clear: UK Finance has launched live pilots of tokenized sterling deposits with major banks, and the BIS’s 2025 blueprint favors tokenized commercial bank money as the safer path for interoperability. In the U.S., Congress is quickly defining the guidelines - the momentum is real.

We at LedgerLink envision tokenized deposits as a future instrument that keeps deposit insurance, plugs into lending and keeps liquidity inside the regulated system while delivering real-time settlement. Best of both worlds. The concept is quite appealing and LedgerLink is already taking steps in this direction to make sure our bank customers can benefit from them.

The opportunity is to define and embrace new standards. LedgerLink gives banks that path—secure, interoperable, compliant.

Last week our team left the ABA Annual Convention with a clear takeaway: digital asset adoption in institutional finance is clearly speeding up.

The conversation has moved from exploration to execution. Stablecoins are now considered practical tools to upgrade payment rails and efficiency. And the Tokenized deposits discussion is heating up accordingly.

This aligns with LedgerLink’s mission: to bridge legacy cores with the digital-asset ecosystems. Our purpose is to enable seamless integration between these 2 worlds by having our platform handling the intrinsic complexity, so banks can innovate with full control with a risk balanced approach.

We help institutions Integrate stablecoins into their existing core systems and therefore enable near-real-time for domestic and cross-border settlement with regulated stablecoins while at the same time, strengthening resilience with SOC 2–aligned controls and ISO 20022 messaging support.

We’re building the foundation for compliant innovation in next-generation banking.