Franklin Templeton and SWIFT say the future of banking is 24/7 and natively on-chain
Franklin Templeton and SWIFT executives believe the future of finance involves 24/7, on-chain tokenized assets and deposits.Summary
Executives from Franklin Templeton, SWIFT, and Ledger stated at Consensus Hong Kong 2026 that tokenized money market funds and digital bank deposits are moving toward mainstream financial infrastructure. Franklin Templeton is tokenizing money market funds to offer 24/7 liquidity and lower operational costs. SWIFT is developing an orchestration layer to connect central bank digital currencies (CBDCs) and tokenized deposits, aiming for round-the-clock availability by eliminating cut-off times. Despite this progress, adoption remains small compared to global markets, and key hurdles include achieving regulatory clarity on accounting and balance sheet treatment, as well as solving security and governance issues related to key management. Panelists anticipate a hybrid future where decentralized access coexists with traditional intermediaries.
(Source：CoinDesk)