据彭博新闻11 月 18 日报道，这家全球性银行已经在香港、新加坡、英国和卢森堡提供这项服务，现在计划从明年开始将其扩展到美国和阿拉伯联合酋长国的企业客户。
汇丰银行全球支付解决方案主管 Manish Kohli 在接受彭博社采访时表示，汇丰的代币化存款服务让客户可以在几秒钟内随时随地进行本地和跨境汇款。
Kohli 表示：“代币化、稳定币、数字货币和数字货币等话题显然已经获得了巨大的发展势头。我们正在这个领域投入巨资。”
报告补充道，该银行目前支持欧元、英镑、美元、港元和新加坡元交易，并将于明年拓展中东业务时开通阿联酋迪拉姆交易。该业务计划于2026年上半年正式上线。
正如彭博社指出的那样，汇丰银行此举正值许多其他银行开始探索如何利用数字资产加快和简化支付流程之际。此外，这也与美国《天才法案》（GENIUS Act）的出台密切相关，该法案为稳定币（另一种快速增长的数字货币）制定了新的规则。
代币化存款（又称存款代币）是银行存款的数字化表示，由银行资产负债表上的资金一对一支持，并使用分布式账本技术（DLT）或区块链发行。
PYMNTS 今年早些时候写道：“与非银行实体发行并持有在资产负债表外的稳定币不同，代币化存款仍然受到全面监管，在资产负债表内，并受制于通常的银行流动性、资本和存款保险框架。”
由于资金仍然是银行负债的一部分，因此代币化存款不会像将存款转换为稳定币那样削弱货币乘数或存款基础。
报告称，代币化存款的兴起并非偶然，因为企业财务部门呼吁实时流动性，而跨国公司则寻求全天候结算系统。
PYMNTS 写道： “跨境电商仍然受到长达数天的结算延迟和中介费用的制约。代币化存款有望开辟一条前进的道路，并为银行提供一种在支付体系中重建其重要性的新途径。”
“从货币架构的角度来看，代币化存款可能是实现数字现金最可行的途径，而无需从头开始重写银行系统。”
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