4.7 Banking BNY Mellon等大型银行推出代币化存款服务，将传统资产上链，实现更快、更高效的结算，Ripple和ICE等机构为首批用户。
全球主要银行正在加速资产代币化的采用，从试点项目迈向实际金融基础设施。机构目前正在将存款、证券和私有资产进行代币化，以实现更快的结算、可编程所有权和更高的资本效率。BNY Mellon推出了基于区块链的代币化存款服务，使客户能够将存款作为数字资产进行抵押、保证金交易和快速支付。该服务运行在许可链上，由现金储备全额支持，目标实现全天候运营，客户包括洲际交易所（ICE）、Citadel Securities、DRW Holdings、Ripple Prime、Baillie Gifford和Circle。代币化存款与稳定币不同，它们是发行银行的直接、计息负债，并始终处于传统银行体系内。此举被视为金融资产更广泛代币化的重要一步，可编程特性实现自动结算，推动传统金融与区块链技术的融合。
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