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Major U.S. Bank BNY Enters On-chain Cash Race With Tokenized Deposit Pilot
The service supports faster, 24/7 settlement and programmable transactions.
BNY has rolled out a tokenized deposit service that allows clients to move funds using blockchain infrastructure, marking another step by a major global bank into digital assets.
Key Takeaways:
BNY launched tokenized deposits to allow on-chain transfers while keeping funds within the regulated banking system.The service supports faster, 24/7 settlement and programmable transactions for collateral and margin use cases.The move reflects growing institutional adoption of tokenization by major global banks.
In an announcement published Friday, BNY said it has facilitated an on-chain mirrored representation of client deposit balances on its Digital Assets platform.
The initiative marks the first phase of the bank’s strategy to tokenize deposits, starting with collateral and margin workflow use cases.
BNY Says Tokenized Deposits Mirror Bank Balances On-chain
The tokenized deposits operate as digital book entries that reflect clients’ existing demand deposit claims against the bank.
While balances are mirrored on-chain, they continue to be recorded on BNY’s traditional systems, ensuring regulatory, accounting, and reporting consistency.
The capability runs on BNY’s private, permissioned blockchain and is governed by the bank’s existing risk and compliance frameworks.
BNY said the launch is designed to support programmable, near-real-time cash movement as financial markets shift toward always-on operating models.
Tokenized deposits could help reduce settlement friction, improve liquidity efficiency, and allow rules-based payments across institutional workflows.
Early participants include Intercontinental Exchange, Citadel Securities, DRW Holdings, Baillie Gifford, Circle, Ripple Prime, and several other financial and digital asset firms.
BREAKING: #BNY expands digital cash capabilities by enabling the on‑chain mirrored representation of client deposit balances on its #DigitalAssets platform via #tokenized deposits.
This launch helps advance BNY’s ambitions to support programmable, on‑chain cash for institutional… pic.twitter.com/gQRiZuS0va— BNY (@BNYglobal) January 9, 2026
ICE said it plans to support tokenized deposits across its clearinghouses as it prepares for 24/7 trading and settlement.
In September, BNY announced it is making strides towards offering custody services for Bitcoin and Ether, specifically for its exchange-traded product (ETP) clients.
Earlier this year, the SEC’s Office of the Chief Accountant reportedly reviewed BNY Mellon’s approach to crypto custody.
The SEC didn’t object to BNY Mellon’s decision not to include these crypto assets as liabilities on its balance sheet.
The review was key because of the SEC’s SAB 121 rule, which requires banks to account for crypto assets they safeguard as both a liability and an asset on their balance sheets.
BNY Mellon’s unique case with ETPs, however, which bypasses this requirement.
RWA Tokenization Gains Momentum
Last month, Libeara, the blockchain infrastructure platform backed by Standard Chartered’s venture arm SC Ventures, rolled out a new tokenized gold investment fund in Singapore, bringing one of the world’s oldest safe-haven assets onto digital rails.
The fund, launched in partnership with FundBridge Capital, allows professional investors to gain exposure to gold through blockchain-based tokens issued on Libeara’s ledger.
In a recent research, Web3 digital property firm Animoca Brands said that tokenization of RWAs could unlock a $400 trillion traditional finance market.
Animoca researchers Andrew Ho and Ming Ruan said the global market for private credit, treasury debt, commodities, stocks, alternative funds, and bonds represents a vast runway for growth.
“The estimated $400 trillion addressable TradFi market underscores the potential growth runway for RWA tokenization,” they wrote.
Meanwhile, according to the 2025 Skynet RWA Security Report, the market for tokenized RWAs could grow to $16 trillion by 2030.
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Highlights
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Disclaimer: Nu este un sfat financiar. Piețele cripto sunt extrem de volatile; DYOR și riscă doar ceea ce îți poți permite să pierzi.
### Pepe (PEPE) Tendințe la 6 ianuarie 2026
Preț și Performanță Curentă
- Preț: ~$0.0000068–$0.0000070 USD
- Schimbare 24h: +2–11% (rapoartele variază; unele arată scăderi minore, altele continuă pump-uri)
- Schimbare 7 Zile: +62–65% (rebound exploziv)
- Din decembrie târziu: +80–84% creștere
- Capitalizare de Piață: ~$2.9–$3.0B
- Clasament Capitalizare de Piață: Top 30–40 meme coin (în spatele DOGE și SHIB)
- Volum de Tranzacționare 24h: ~$980M–$1.5B (foarte mare, indicând un interes intens)

Disclaimer: Not financial advice. Crypto markets are extremely volatile; DYOR and only risk what you can afford to lose.
### Dogecoin (DOGE) vs. Shiba Inu (SHIB) Trends as of January 6, 2026
Both meme coins are riding the early-2026 market rebound, with strong gains in the past week amid a broader meme sector rally. Here's a head-to-head comparison:
| Metric | Dogecoin (DOGE) | Shiba Inu (SHIB) |
|-------------------------|----------------------------------|----------------------------------|
| Current Price | ~$0.1503 USD | ~$0.00000928 USD |
| 24h Change | +1.7% | +7.1–7.2% |
| 7-Day Change | +16–18% (strong rebound) | +17–29% (more explosive) |
| Market Cap | ~$25.3B | ~$5.47B |
| Market Cap Rank | #9 | #23 |
| 24h Trading Volume | ~$1.95B (very high liquidity) | ~$407–460M |
| Community Sentiment | Bullish (consistent holder posts) | Very bullish (91% on CoinGecko) |
Key Trend Insights
- Performance Edge: SHIB is outperforming DOGE right now with sharper short-term gains (higher 24h and 7-day % increases). It recently broke a multi-month bearish trendline, formed a golden cross on charts, and briefly hit $0.00001 before pulling back—signaling stronger momentum in the current pump.
- Momentum Drivers:
- DOGE: Steady rebound (~30% from early Jan lows), high volume, whale accumulation, and ongoing Elon Musk narrative (though no fresh tweets today). It's more stable with massive liquidity.
- SHIB: Parabolic surges reported (up to 18% in recent sessions), token burns, growing holders, and ecosystem hype (ShibaSwap, etc.). Part of the dog-themed token lead in the meme rally.
- Trending Heat: Both are buzzing in the meme resurgence, but SHIB appears hotter short-term (higher % gains, more "mooning" headlines). DOGE has broader adoption and higher absolute volume/market cap.
- On X (Twitter): Consistent chatter for both—DOGE with community memes and charts, SHIB mentioned in pumps and comparisons. No massive viral spikes today, but meme coin sector overall active.
- Risk/Volatility: SHIB's smaller market cap makes it more volatile (bigger % swings possible, both up and down). DOGE feels more "established" but still hype-driven.
Overall, SHIB is the hotter trending play right now with bigger percentage pumps and technical breakouts, while DOGE offers more stability and liquidity. Both benefit from the bullish 2026 start—watch for corrections, as meme coins can reverse quickly.
Check live data on CoinMarketCap or CoinGecko for the latest. 🚀🐕 vs. 🐶