2025-12-18 05:44:11

Recently, there has been an interesting phenomenon—traditional financial giants are taking blockchain seriously.

Standard Chartered Bank, in partnership with Ant International, has launched a blockchain-based tokenized deposit scheme. This system has already been deployed and supports near real-time transfers in HKD, offshore RMB, and USD. It may sound a bit complex, but simply put: using blockchain technology to "tokenize" traditional bank deposits, making cross-border fund flows faster and cheaper.

This actually reflects an important trend. Under the Web3 wave, concepts like DEX and cross-chain bridges are no longer unfamiliar, but you'll find that the real breakthrough isn't in virtual assets themselves, but in the upgrade of traditional financial infrastructure. When major banks start using blockchain to optimize cross-border payments, what does this indicate? It shows that this technology has progressed from "experimental" to "practical."

Especially for financial centers like Hong Kong, the tokenized deposit scheme means significantly reducing cross-border transaction costs and shortening settlement cycles, with even more advantages in multi-currency operations. This aligns with the approach of regulatory bodies like the Hong Kong Monetary Authority, which is promoting the Project Ensemble initiative—driving the next-generation financial infrastructure through blockchain.

What’s more worth noting is that this indicates the boundaries between traditional finance and Web3 are becoming blurred. It’s not that DeFi will replace banks, but that banks are actively learning how blockchain can improve efficiency. From stablecoins to tokenized deposits, from DEX to central bank digital currency pilots, the entire ecosystem is moving toward "integration."

Such collaboration cases give us a perspective: the future of financial innovation is not a binary opposition, but an upgrade and iteration enabled by technology.

View Original

This page may contain third-party content, which is provided for information purposes only (not representations/warranties) and should not be considered as an endorsement of its views by Gate, nor as financial or professional advice. See Disclaimer for details.

22 Likes

Reward
22
5
Repost
Share

Comment

0/400

ForeverBuyingDips

· 2025-12-18 21:24

Standard Chartered made a brilliant move this time, finally someone is actually using blockchain in practice Banks are playing with crypto, and this time it's for real I've always said that integration is the way to go; the all-or-nothing rhetoric is damn annoying Tokenized deposits seem way more reliable than those air coins Is Hong Kong about to take off? This is getting interesting Wait, Ant and Standard Chartered? That’s an incredible combo Traditional finance is awakening, it's only a matter of time Cross-border payments are finally speeding up, this is what blockchain should be doing No hype, no hype, this is truly practical—hundreds of times better than those concept coins Integration is really happening, DeFi enthusiasts should reflect on this

View OriginalReply0

RektHunter

· 2025-12-18 06:10

Standard Chartered's recent moves really can't be held back anymore, major institutions are starting to embrace blockchain Banks are also afraid of being left behind by the times Tokenized deposits are quite aggressive, cross-border transfers can finally be faster Integrating with the overall trend, opposition is pointless This is the real breakthrough, not just speculative trading of virtual assets The entry of big institutions is a signal, and regulators have also tacitly approved Hong Kong dollar, US dollar, and RMB all managed within one system, indeed impressive Wait, could this become a new tool for monopoly again?

View OriginalReply0

CryptoWageSlave

· 2025-12-18 06:10

Traditional giants are getting involved, this is getting interesting --- Standard Chartered + Ant Group, this move is aggressive, truly turning blockchain from a concept into productivity --- Basically, it's still driven by interests; banks only act when it becomes cost-effective --- I just want to know if this system is stable, how long it has been online without issues --- Integration is inevitable, but when will the domestic sector catch up? --- Tokenized deposits sound advanced, but it's really just about speeding up cross-border payments --- If this Hong Kong pilot succeeds, I guess many banks will follow suit --- Both Standard Chartered and Ant Group, their collaboration always brings some new tricks --- The key is how much costs can be reduced; otherwise, it's just a different presentation of the same old thing

View OriginalReply0

MetaDreamer

· 2025-12-18 06:07

Finally, a major bank is taking real action, no longer just talking about it The big players are starting to copy our moves, now we're secure Standard Chartered and Ant's collaboration is quite interesting; the era of integration has truly arrived This is what Web3 should look like—not just trading cryptocurrencies but transforming finance We still need to see how Hong Kong's game unfolds; it feels like just the beginning

View OriginalReply0

ShibaMillionairen't

· 2025-12-18 05:53

Standard Chartered's move this time is truly impressive, finally no longer just talk on paper --- Wait, when did Ant International become so tough? --- Honestly, it's still TradFi being afraid of being cut and thus bowing down --- HKD, RMB, and USD all running together, this is really playing for keeps --- Integration? Sounds nice, but actually it's just big banks wanting to make money using our technology --- Finally, someone understands that the true value of tokenization isn't the tokens themselves but the infrastructure behind them --- I just want to know if this system will really be cheap enough for ordinary people to use --- I've never even heard of Project Ensemble, and regulators are coming up with new tricks? --- DeFi's buzz over the past two years isn't as loud as before, it seems we still have to rely on TradFi to break through

View OriginalReply0