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R3 Tokenized Deposit
The future of banking starts with tokenized deposits
As digitization reshapes finance, commercial banks face mounting competition for deposits from fintechs, challenger banks, stablecoins, and retail CBDCs.
R3’s Tokenized Deposit solution helps banks stay competitive with a secure, scalable, and compliant way to modernize deposit infrastructure, enhance engagement, and unlock new revenue.
Our Tokenized Deposits also simplifies intrabank treasury management with real-time liquidity optimization, automated cash positioning, and seamless fund transfers—boosting efficiency and capital while maintaining regulatory oversight.
Fast-track your tokenized deposit solution
Secure, scalable and future-proof banking
Retain deposits, enhance customer engagement and stay ahead in the digital economy with R3’s Tokenized Deposit Solution—a trusted, regulatory-compliant platform built for the future of banking.
$0tn
In 2020, cross-border transactions amounted to $23.5tn, costing $120bn in transaction fees and taking 2-3 days to settle.
$0bn
Wholesale payments revenue is set to grow by 6% from 2022-2027 with a predicted revenue of $645bn.
Source: Oliver Wyman and Bain & Co.
Why tokenized deposits?
Protect and grow customer deposits
With competition from fintechs, challenger banks, stablecoins, and retail CBDCs, customers have more options than ever. Tokenized deposits keep funds within your bank while offering a seamless, programmable experience.
Prevent deposit outflows
Stablecoins and CBDCs attract deposits due to liquidity and perceived lower risk. R3’s Tokenized Deposit Solution helps you retain and optimise deposits by providing the same speed, flexibility, and programmability as digital-native money — while ensuring regulatory compliance, security, and seamless integration within the banking system.
Compete with digital-native banks
Challenger banks and digital platforms have set new standards for speed and convenience. With R3’s tokenized deposit solution, commercial banks can offer real-time settlement, enhanced programmability, and frictionless transactions. This allows them to compete with—and even outperform fintech competitors in speed and efficiency while maintaining the security, regulatory compliance, and trust customers expect from traditional banks.
Enable intraday liquidity and efficient settlement
Enhance your bank’s treasury operations, interbank settlements, and access to new liquidity with real-time, programmable, and frictionless transactions. For example, by connecting tokenized deposits with tokenized asset networks, banks can unlock new use cases such as intraday repo, enabling true atomic settlement where cash and collateral are exchanged simultaneously. This reduces counterparty risk, enhances capital efficiency, and allows for real-time liquidity optimization.
Strengthen your role in credit creation
Outflows limit lending power. By keeping deposits within your institution, you protect credit creation, sustain economic growth, and maintain a competitive edge.
Why tokenized deposits?
Protect and grow customer deposits
With competition from fintechs, challenger banks, stablecoins, and retail CBDCs, customers have more options than ever. Tokenized deposits keep funds within your bank while offering a seamless, programmable experience.
Compete with digital-native banks
Challenger banks and digital platforms have set new standards for speed and convenience. With R3’s Tokenized Deposit solution, commercial banks can offer real-time settlement, enhanced programmability, and frictionless transactions. This allows them to compete with—and even outperform fintech competitors in speed and efficiency while maintaining the security, regulatory compliance, and trust customers expect from traditional banks.
Strengthen your role in credit creation
Outflows limit lending power. By keeping deposits within your institution, you protect credit creation, sustain economic growth, and maintain a competitive edge.
Enable intraday liquidity and efficient settlement
Enhance your bank’s treasury operations, interbank settlements, and access to new liquidity with real-time, programmable, and frictionless transactions. For example, by connecting tokenized deposits with tokenized asset networks, banks can unlock new use cases such as intraday repo, enabling true atomic settlement where cash and collateral are exchanged simultaneously. This reduces counterparty risk, enhances capital efficiency, and allows for real-time liquidity optimization.
Join our Digital Lab
Explore, test and refine your tokenized deposit solution
Designed to help you quickly demonstrate value and gain stakeholder buy-in
With limited access to our free lab the journey to production is simpler, faster and the most cost-effective solution on the market. We’re so confident our product is a game-changer we’re letting you try it for free for a limited period!
Stay ahead with R3’s tokenized deposit solution
Secure, scalable and designed for modern banking with regulatory compliance at its core.
- Built for seamless integration with evolving global banking regulations.
- Production ready security with the flexibility to adapt to future banking needs.
- Trusted by leading financial institutions worldwide.
