Grandes bancos dos EUA planejam rede compartilhada de depósitos tokenizados até 2027

JPMorgan Chase, Bank of America, Citigroup e outras grandes instituições financeiras lançarão uma rede de depósitos tokenizados por meio do The Clearing House até o primeiro semestre de 2027.

A iniciativa visa permitir a liquidação em blockchain de depósitos bancários durante 24 horas por dia. O objetivo é combater a ascensão de stablecoins como USDC e USDT, mantendo os fundos dentro do sistema bancário regulamentado. Reid Noch, vice-presidente de estrutura do mercado acionário dos EUA na TD Securities, afirmou que o projeto segue a Lei GENIUS e reflete a crescente competição entre stablecoins, depósitos tokenizados e fundos do mercado monetário tokenizados. Cody Carbone, CEO da Digital Chamber, observou que os maiores bancos dos EUA estão migrando voluntariamente para a blockchain. Um relatório de março da Jefferies estimou que as stablecoins poderiam causar uma evasão de 3% a 5% nos depósitos principais ao longo de cinco anos. Noelle Acheson observou que os bancos utilizam sistemas blockchain privados há muito tempo e agora estão expandindo essa abordagem entre as instituições.

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