美国银行向代币化金融迈进

代币化金融的下一轮扩张，可能正是通过那些已经掌握客户关系的机构来实现的。

美国银行正越来越接近直接参与稳定币及其他形式的代币化货币。

货币监理署已完成《GENIUS法案》关键条款的最终规则制定，并表示有意向的社区银行可以通过子公司探索发行支付稳定币的路径。

与此同时，美国银行家协会正在打造一个专门的代币化货币倡议，帮助银行了解和评估稳定币、代币化存款及其周边正在发展的基础设施。

对于代币化而言，重要的转变不仅在于银行可能与区块链技术产生交集。

关键在于谁能获得访问权限。

社区银行加入稳定币讨论

2026年10月21日，OCC发布了针对其管辖范围内支付稳定币发行方实施《GENIUS法案》主要条款的最终规则。

该规则围绕稳定币发行、储备金、赎回和风险管理建立了相关要求，预计于2027年1月18日正式生效。

数日后，货币监理署署长Jonathan Gould直接就小型机构的角色发表了讲话。

OCC的立场是，社区银行在未来支付体系中同样应有一席之地。在新框架下，有意向的社区银行可以通过子公司探索发行支付稳定币，相关要求旨在反映发行方的规模和风险状况，而非打造一个只有最大型机构才能进入的模式。

这并不意味着社区银行可以立即开始发行稳定币。

OCC表示，目前尚未接受申请或豁免请求，来自潜在支付稳定币发行方的申请将在相关信息收集获得最终批准后才会启动。

然而，方向正在变得越来越清晰。

稳定币发行正从监管不确定性走向明确的银行业框架。

ABA正在为银行构建入场通道

美国银行家协会正从行业层面朝着同一方向推进。

其新推出的代币化货币倡议聚焦于稳定币和代币化存款，旨在帮助银行评估如何随着市场发展参与其中。

ABA为该倡议描述了三大主要职能：

• 帮助银行了解并为参与代币化货币做好准备

• 汇聚银行及其他市场参与者

• 支持围绕互操作性、访问权限和治理的标准建设

ABA主席兼首席执行官Rob Nichols还将该协会描述为银行探索数字资产的行业

That matters because tokenized finance does not need every bank to build its own blockchain infrastructure from zero.

Banks can enter through shared standards, infrastructure providers and interoperable networks.

Interest is already extending beyond the largest banks

The shift is not limited to policy statements.

A 2026 community banking survey reported by the ABA Banking Journal found that 18% of surveyed community bankers expected to offer tokenized deposits within the next 12 months, while 16% expected to offer stablecoin solutions.

Most community banks still reported no immediate plans to offer either product, so this is not yet universal adoption.

But it shows that tokenized money is entering product planning at institutions well beyond the largest global banks.

That creates a different adoption path from the first generation of crypto finance.

Instead of asking every user to leave the banking system and enter a separate crypto environment, tokenized financial infrastructure can increasingly appear inside relationships customers and businesses already have.

The key shift is access

Banks already have something blockchain networks have spent years trying to acquire at scale:

accounts, businesses and established financial relationships.

A small or midsize business may already use its bank for deposits, payments, treasury operations, credit and settlement.

If tokenized money becomes accessible through that same relationship, the user does not necessarily need to become a crypto-native participant first.

That could make several operations easier to connect:

• funding tokenized assets from existing banking relationships

• purchasing tokenized products

• receiving proceeds from a sale or redemption

• moving value between traditional accounts and blockchain-based infrastructure

• managing settlement through regulated financial intermediaries

The technology may remain blockchain-based while the access layer becomes increasingly familiar.

Tokenized deposits and stablecoins solve different parts of the same problem

Stablecoins are not the only model being explored.

Banks are also evaluating tokenized deposits - blockchain-based representations of commercial bank deposit money.

That creates the possibility of multiple forms of tokenized dollars operating across new financial networks.

Stablecoins may provide one form of programmable digital value.

Tokenized bank deposits may provide another, linked directly to existing deposit relationships.

The ABA's initiative explicitly covers both, indicating that the banking industry's tokenization strategy is broader than stablecoin issuance alone.

For the RWA sector, that distinction may eventually matter less to the end user than the outcome.

The practical question is whether tokenized assets can be funded, settled and redeemed through reliable financial rails.

What this could mean for RWANFTFI

For RWANFTFI, broader banking participation in tokenized money could expand the infrastructure available to future RWA products.

The opportunity is not simply that more institutions use blockchain.

The practical value would come from connecting tokenized assets to payment and settlement systems that users can actually access.

Potentially, that could mean more options for:

• funding future RWA products

• settling purchases and redemptions

• connecting bank liquidity with blockchain-based products

• reducing friction between traditional money and tokenized assets

But this remains dependent on actual integrations.

A regulatory framework by itself does not create a usable product.

Three things still determine whether tokenized banking creates real value

For broader banking involvement to translate into better RWA infrastructure, three elements matter.

Reliable funding

Moving money into a tokenized product must be predictable and accessible. If bank accounts, tokenized deposits or regulated stablecoins can connect directly to RWA infrastructure, the funding experience becomes materially simpler.

Clear asset rights

Blockchain settlement does not replace the need to know what a token represents, what legal rights it carries and how ownership connects to the underlying asset.

Workable redemption

Entering a tokenized asset is only half of the system. Users also need a reliable path back - whether through fiat money, tokenized deposits, stablecoins or another settlement mechanism.

Without these pieces, tokenization remains primarily technical infrastructure.

With them, it can become a financial product people can actually use.

From crypto access to financial access

The OCC framework and the ABA initiative point toward a wider change in how tokenized finance may develop in the United States.

The next stage does not necessarily require millions of new users to become crypto experts.

Instead, banks may increasingly connect existing customer relationships to blockchain-based forms of money.

That could expand the addressable market for stablecoins, tokenized deposits and eventually tokenized real-world assets.

For RWANFTFI, the development is relevant because future RWA infrastructure will depend not only on what can be tokenized, but on how easily users can fund, buy, settle and redeem those assets.

The technology is advancing.

Now the question is how quickly banking access turns that infrastructure into practical financial rails.

🌟 rwanftfi.com