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Assets Evolved: The integration of tokenization in modern finance
Whitepaper release date: Tuesday, Aug. 11, 2026
Tokenization in modern finance, explained
Tokenization is the process of creating a digital representation of a real-world asset on a blockchain. It lets transactions settle in seconds rather than the one to two business days typical of traditional systems, while lowering costs and widening market access.
This whitepaper explains how tokenization works and what it means for treasury and risk teams. It covers the three main types of tokenized money, stablecoins, tokenized deposits, and CBDCs, and how they differ in risk and regulation. Stablecoin transaction volume exceeded $33 trillion in 2025 (Bloomberg), JPMorgan launched tokenized deposits in December 2025, and a 37-bank European consortium is building a MiCA-compliant euro stablecoin for 2026. This all signals the fast adoption of the technology and the urgency for institutions to understand it and adapt to the inevitable changes it will bring.
Inside you will find a practical foundation for deciding when and how to explore tokenized assets.
What you’ll learn: the difference between a custodial and non-custodial wallet, and why that choice is a core risk decision. How centralized (CEX) and decentralized (DEX) exchanges trade off speed, liquidity, transparency, and privacy. Where decentralized finance (DeFi) and traditional finance (TradFi) differ, and why most regulated institutions will integrate tokenization into existing structures rather than choose one outright.
More on the latest in risk and treasury:
Get the strategic view of Zanders leadership on tokenization and the other critical trends in risk and treasury this year.
