Tokenization Becomes a Strategic Priority for 84% of Financial Institutions
The tokenization of real-world assets (RWA) is no longer a simple technological experiment: it has become a strategic priority for 84% of global financial institutions, according to a new industry study. BlackRock, Goldman Sachs, JPMorgan Chase, and Franklin Templeton are leading the charge, while Stripe, Swift, and Robinhood are accelerating their investments in tokenization infrastructure.
This historic shift marks a decisive turning point in the adoption of blockchain by traditional finance. With Bitcoin (BTC) trading at $64,592 and Ethereum (ETH) at $1,867, the digital asset ecosystem is entering a new phase of institutional maturation.
84% of Financial Institutions Prioritize Tokenization
The study, conducted among more than 500 financial institutions worldwide, reveals that 84% of them now consider tokenization a strategic priority. This figure represents a dramatic increase from the 35% recorded just two years ago, reflecting an unprecedented acceleration in institutional adoption.
The main motivations identified include improved operational efficiency (72%), reduced transaction costs (68%), and access to new asset classes (61%). Institutions see tokenization as a way to modernize aging financial infrastructure while creating new revenue streams.
“Tokenization is no longer an option, it’s a competitive necessity,” explains an internal report from one of the major investment banks. “Institutions that do not adopt this technology within the next 12 to 18 months risk losing significant market share.”
BlackRock and Franklin Templeton: The Institutional Pioneers
BlackRock, the world’s largest asset manager with over $10 trillion in assets under management, was one of the first to fully embrace tokenization. Its tokenized fund BUIDL (BlackRock USD Institutional Digital Liquidity Fund) has already attracted more than $500 million in assets, becoming the largest tokenized fund on the market.
Franklin Templeton, a pioneer with its FOBXX fund (Franklin OnChain US Government Money Fund), continues to expand its presence in the RWA space. The fund, which uses the Stellar and Polygon blockchains, has demonstrated that tokenization of government money funds can work at scale.
Larry Fink, CEO of BlackRock, has repeatedly stated that tokenization represents “the next evolution of financial markets,” predicting that every stock and bond will eventually be tokenized. This vision is now shared by an overwhelming majority of the sector.
Goldman Sachs and JPMorgan: The Wall Street of Tokenization
Goldman Sachs has significantly stepped up its tokenization efforts with its GS DAP platform (Goldman Sachs Digital Asset Platform). The bank recently tokenized bonds and money market instruments, processing transactions worth several billion dollars through its platform.
JPMorgan Chase, via its Onyx network and JPM Coin, continues to be a leader in interbank tokenization infrastructure. The bank now processes billions of dollars in tokenized transactions daily, and its JPM Coin service has been expanded to new use cases, including cross-border payments and securities transaction settlement.
Onyx Digital Assets, JPMorgan’s blockchain division, has also launched tokenization services for deposits and collateral, allowing institutional clients to use tokenized assets as collateral for complex transactions.
Stripe and Swift: Payment Infrastructure Reinvents Itself
Stripe, the online payments giant, made a dramatic return to cryptocurrencies in 2024 with the launch of its stablecoin payment service. The company has since expanded its offerings to include invoice and receivables tokenization solutions, enabling businesses to tokenize their accounts receivable and access liquidity more quickly.
Swift, the interbank messaging network that connects more than 11,000 financial institutions worldwide, has conducted several successful experiments in tokenization and interoperable settlement. Swift is actively working to integrate tokenization into its standard workflows, allowing banks to issue and transfer tokenized assets via the existing Swift infrastructure.
This evolution is crucial because it allows financial institutions to tokenize assets without having to build entirely new infrastructure, significantly lowering barriers to entry.
Robinhood and Retail Adoption via Tokenization
Robinhood, the trading platform that became a cultural phenomenon, is actively integrating tokenization and DeFi features into its app. With millions of active users, Robinhood represents a crucial bridge between traditional finance and tokenization for the general public.
The platform recently launched tokenized staking services and yields on stablecoin deposits, allowing its users to generate returns on their cryptocurrency holdings without leaving the app. This “embedded” approach to tokenization—where DeFi features are seamlessly integrated into traditional applications—is seen as key to mass adoption.
“Tokenization isn’t just about financial institutions,” explains a CoinDesk analyst. “When Robinhood allows its 23 million...
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