Tokenized Money

Tokenized money, including stablecoins and tokenized deposits, could reshape how money moves, how businesses manage liquidity, and how banks serve their customers. ABA’s Tokenized Money Initiative is designed to help banks understand and prepare for this changing landscape while strengthening the banking industry’s voice in how the market develops.

Our strategy focuses on three complementary roles for ABA:

Bank On-Ramp | Enable Bank Participation

ABA will help banks understand, evaluate and prepare to participate in tokenized money as opportunities develop.
Trusted Convener | Connect the Industry

ABA will bring banks and other market participants together, develop intelligence on the evolving ecosystem, and ensure the needs of banks of all sizes are heard as new networks and solutions take shape.
Standards & Governance | Shape Market Standards

ABA will work to advance the interoperability, access, standards and governance principles needed for a strong tokenized money ecosystem that works for banks of all sizes.

Interested in ABA's Tokenized Money Initiative?

Sign up to receive updates on ABA resources, educational opportunities, peer engagement and other developments related to tokenized money.

Keep Me Informed

What You Will See from ABA

Peer Learning
Training & Practical Resources
Market Intelligence
Industry Convening
Standards Influence

News

NewsByte
ABA, associations seek more time to comment on proposed SEC crypto custody rules
November 05, 2026
Press Release
New Survey: U.S. Consumers Are Wary of AI Agents Handling Their Money, Bank Account Information
October 27, 2026
NewsByte
Nichols: ABA to lead on tokenization
October 26, 2026
NewsByte
OCC finalizes stablecoin rule with narrow payment-of-interest prohibition
October 21, 2026

View All News

Recorded Webinar

The Future of Money: Why Digital Assets Matter for Banks

As stablecoins, tokenized deposits and other forms of digital money gain traction, banks are evaluating what these developments mean for their businesses and the broader financial system. This session examines the forces driving the evolution of digital money, emerging use cases across banking, and the potential implications for deposit behavior and competition for bank customers.

Access the Recording