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JPMorgan and DBS to Develop Cross-Chain Tokenized-Deposit Framework for Real-Time Transfers

The project seeks to connect bank-issued deposit tokens across public and permissioned networks.

Overview

  • The planned framework links JPMorgan’s Kinexys Digital Payments with DBS Token Services to enable cross-bank, cross-chain transfers.
  • The banks say the system aims for 24/7 real-time settlements that reduce reliance on traditional payment rails.
  • A stated use case allows a JPMorgan deposit token on Coinbase’s Base to pay a DBS client for redemption or custody on DBS’s platform.
  • Both firms stress compliance, data privacy, and preserving the singleness of money as tokenized deposits move between networks.
  • No launch timetable or participant scope has been disclosed, with the effort aligning with broader interoperability work as BIS reports about one-third of banks exploring tokenized deposits.