đŸ”č The main idea

This image explains that banks can officially recognize tokenized assets (such as crypto-assets, tokens representing value, land, stocks, etc.), but only if certain rules are followed.

In short:

âžĄïž A token can legally become a “real financial asset” used by a bank, like a stock or a bond.

đŸ”č For a tokenized asset to be accepted by a bank, it must meet 3 conditions:

Condition Role

ISO 20022 Communication standard used by banks to send messages (e.g., transfer, transaction). The asset must be compatible with this format.

DTI Code (ISO 24165) It’s like an official identity number for the token, somewhat like an ISIN number for stocks.

Regulated custody framework (Smart Custody) The token must be kept and protected by a platform recognized by regulators (not just an unmonitored private wallet).

đŸ”č How does it work?

đŸ”œ Here is the simplified path:

Tokenized Asset (e.g., a token representing land, stock)

↓

Certified, coded, and compliant with standards (ISO + DTI + Custody)

↓

Recognized by a bank (may appear in a bank account or institutional wallet)

↓

Becomes like a traditional financial asset (e.g., a stock or a bond)

đŸ”č Why is it important?

Because it shifts blockchain:

Before After

Crypto perceived as unregulated Crypto accepted by banks

Assets separated from the financial system Integration into the global banking system

Limited use Institutional, legal use, compatible with global finance

đŸ”č In simple summary:

💡 This system allows tokens (based on blockchain) to be treated as official financial assets by banks.

It’s a step towards the global adoption of tokenization, where:

a house

a stock

land

an agricultural product

or even a work of art