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Author: David Dobrovitsky, compiled by: Shaw bitchain vision
Evolution of bank roles
For more than a century, banks have been the foundation of the financial system—managing deposits, promoting payments, and providing credit.Now, this role is changing.
With the popularity of stablecoins and tokenized assets, financial institutions are no longer isolated from blockchain.Instead, they start toThe efficiency of blockchain is integrated into traditional services, reshaping the actual operation of deposits, credit and payments.
Deposit: From account to token
Deposits have always been the lifeline of the banking industry.Today, they are redefined asTokenized deposits——The digital form of commercial bank funds exists on the blockchain, but is still fully supported and regulated.
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JPM Coin from JPMorganMore than $1 billion in wholesale payments are currently processed every day.
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Project Guardian in SingaporePilot tokenized deposit and asset transactions with global banks.
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Societe Generale and Spanish Foreign BankTokenized bonds and loans have been issued, settled entirely on-chain.
Tokenized deposits keep banks central to the system while opening up new digital tracks for payments and capital markets.
Stablecoins and bank loans
It is crucial to understand the functional differences between stablecoins and bank deposits.
Banks use partial reserves to leverage deposits, using them for mortgages, commercial loans and credit creation.This promotes economic growth, but also brings risks.
In contrast, the design philosophy of stablecoins is entirely supported by reserve assets such as U.S. Treasury bonds or cash equivalents at a 1:1 ratio.They retain value and are liquid, but do not provide loan funds or generate loan income.
This difference raises a key question: What happens to credit creation if more money flows into stablecoins?
Decentralized lending as a supplement
One of the answers isDecentralized lending agreement, such as Aave, Compound and Maple.These platforms support stablecoin lending with digital assets as collateral, enforced through smart contracts, and guaranteed through excess collateral.
For banks, opportunities are twofold:
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Act as a liquidity provider and inject institutional funds into the decentralized credit pool.
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Build a licensed, compliant DeFi lending version suitable for a regulated environment.
In this way, decentralized protocols can reintroduce credit creation, while stablecoins themselves are passive.
Payment: Build faster and smarter infrastructure
Payment business has always been a strength in the banking industry.Today, blockchain provides banks with new ways to enhance their payment systems:
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Use tokenized deposits for cross-border settlement, reduce dependence on agency banks.
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Directly connected to the corporate finance departmentOn-chain network.
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Cooperate with central banks of various countriesCBDCPilot to ensure interoperability between public and private currencies.
These innovations do not replace SWIFT or Visa, but complement them in terms of speed, efficiency and global impact.
Bank’s strategic outlook
Blockchain will not replace banks, but will expand the bank’s toolbox:
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deposit→Tokenization keeps commercial bank funds relevant in the digital age.
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Stable Coin→Preserve value but requires a new lending framework.
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DeFi lending→ Provide complementary pathways for credit creation.
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Pay→Achieve near-instant settlement, while strengthening existing payment channels.
Forward-looking institutions are positioning themselves as active players in digital finance, combining transparency and programmability with their traditional advantages in trust, compliance and risk management.
Conclusion: Rely on innovation
From JPM Coin to Project Guardian, from tokenized bonds to decentralized lending, the integration of blockchain and banking has begun.
This is not a subversive story, but a story of adaptation and opportunity: banks combine the advantages of regulation and trust with the transparency, speed and global influence of blockchain.
Future currencies are likely to be mixed-Banks, stablecoins and decentralized protocols work together to shape the direction of credit and payments in a digital-first economy.
