{"id":1779,"date":"2025-12-06T22:06:13","date_gmt":"2025-12-07T03:06:13","guid":{"rendered":"https:\/\/www.decentralnetwork.org\/news\/?p=1779"},"modified":"2025-12-06T22:06:16","modified_gmt":"2025-12-07T03:06:16","slug":"tokenization","status":"publish","type":"post","link":"https:\/\/www.decentralnetwork.org\/news\/tokenization\/","title":{"rendered":"2025 Marked the Breakout Year for Tokenization"},"content":{"rendered":"\n<figure class=\"gb-block-image gb-block-image-6de7374a\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"628\" class=\"gb-image gb-image-6de7374a\" src=\"https:\/\/www.decentralnetwork.org\/news\/wp-content\/uploads\/2025\/12\/Untitled-design-100.webp\" alt=\"2025 Marked the Breakout Year for Tokenization\" title=\"Untitled design (100)\" srcset=\"https:\/\/www.decentralnetwork.org\/news\/wp-content\/uploads\/2025\/12\/Untitled-design-100.webp 1200w, https:\/\/www.decentralnetwork.org\/news\/wp-content\/uploads\/2025\/12\/Untitled-design-100-300x157.webp 300w, https:\/\/www.decentralnetwork.org\/news\/wp-content\/uploads\/2025\/12\/Untitled-design-100-768x402.webp 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">2025 will be remembered as the year tokenization stopped being a future dream and became a defining force across global finance. After years of writing about digital asset regulation, even I didn\u2019t expect to witness this moment \u2014 especially with my longtime editor, Max Yakubowski, still on this journey with me. But here we are: the U.S. financial system, along with major global markets, finally embraced tokenization at scale.<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Stablecoins Go Mainstream After U.S. GENIUS Act<\/strong><\/h2>\n\n\n\n<p>The turning point came when the United States passed the <strong>GENIUS Act<\/strong>, which set strict rules for stablecoins. The law requires issuers to maintain <strong>100% reserves in liquid assets<\/strong> and publish <strong>monthly disclosures<\/strong> \u2014 a level of transparency that quickly boosted trust and adoption.<\/p>\n\n\n\n<p>And it worked. A survey showed that <strong>41% of companies using stablecoins saved over 10% on cross-border payments<\/strong>. (Somewhere, Tether cofounder William Quigley must be raising an eyebrow at how far the industry has come since 2013.)<\/p>\n\n\n\n<p>This framework sparked a wave of corporate stablecoins. <strong>World Liberty Financial<\/strong>, tied to President Trump\u2019s family, launched <strong>USD1<\/strong>, backed by U.S. Treasuries. <strong>PayPal<\/strong>, the first major U.S. company to roll out a stablecoin, continued expanding access to <strong>PYUSD<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><a href=\"https:\/\/globalbanks.com\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/globalbanks.com\/\" rel=\"noreferrer noopener\">Global Banks<\/a> and Nations Join the Race<\/strong><\/h2>\n\n\n\n<p>What happened next was unprecedented. Major U.S. and European banks \u2014 including <strong>Bank of America, Deutsche Bank, Goldman Sachs, Citi, ING, Barclays, and Santander<\/strong> \u2014 began preparing their own stablecoin projects. Japan\u2019s \u201cbig three\u201d banks\u2014<strong>MUFG, SMFG, and Mizuho<\/strong>\u2014announced a joint initiative as well.<\/p>\n\n\n\n<p>Across Asia and the Middle East, tokenization picked up similar momentum.<br>\u2022 <strong>Hong Kong\u2019s<\/strong> Red Date Technology explored stablecoin and CBDC integrations.<br>\u2022 <strong>Russia<\/strong> leaned on a ruble-pegged stablecoin, <strong>A7A5<\/strong>, to navigate sanctions.<br>\u2022 <strong>India<\/strong> is building a regulated sovereign-backed stablecoin, the <strong>Asset Reserve Certificate<\/strong>, targeting early 2026.<br>\u2022 <strong>UAE and Saudi Arabia<\/strong> advanced their joint project, <strong>ABER<\/strong>, while rolling out their own regulated stablecoins.<\/p>\n\n\n\n<p>Even Big Tech wants in: <strong>Walmart, Amazon, Cloudflare<\/strong>, and <strong>Google<\/strong> are exploring corporate stablecoins, and Google Cloud already accepts crypto payments. <strong>Meta<\/strong>, after shelving Libra\/Diem, is studying ways to integrate stablecoins like <strong>USDC<\/strong> and <strong>USDT<\/strong> for creator payouts.<\/p>\n\n\n\n<p>Meanwhile in China, Alibaba\u2019s e-commerce division partnered with <strong>JPMorgan<\/strong> to develop \u201cdeposit tokens,\u201d a compliant alternative to traditional stablecoins.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Europe Moves Ahead With Regulation-Ready Tokens<\/strong><\/h2>\n\n\n\n<p>A Europe-based entity, <strong>AllUnity<\/strong>, backed by Deutsche Bank\u2019s DWS, Flow Traders, and Galaxy Digital, secured approval to issue a euro-denominated stablecoin. <strong>Sony Bank<\/strong> in Japan is also preparing its own stablecoin. Even <strong>Deutsche Telekom<\/strong> deepened its involvement through blockchain-focused investments.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>But Global Rules Still Don\u2019t Match<\/strong><\/h2>\n\n\n\n<p>Despite the rapid progress, regulatory consistency is still a mess. The <strong>Financial Stability Board<\/strong> warns that stablecoin oversight varies wildly across jurisdictions. Tax rules are even more fragmented as countries adopt their own digital service taxes, ignoring OECD recommendations.<\/p>\n\n\n\n<p>The OECD\u2019s <strong>Crypto-Asset Reporting Framework (CARF)<\/strong> \u2014 the world\u2019s attempt at unified tax reporting \u2014 will only begin sharing data between countries in <strong>2027\u201328<\/strong>.<\/p>\n\n\n\n<p>In the U.S., new <strong>broker tax reporting rules<\/strong> for digital assets start in 2025 and 2026. While DeFi reporting rules were overturned in 2025, individuals still must track every taxable transaction, foreign account, and capital gain themselves.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why a Global Tokenized System Is Still Impossible<\/strong><\/h2>\n\n\n\n<p>Three major barriers block a unified worldwide digital payment system:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>AML and Travel Rule compliance:<\/strong> Countries apply FATF rules differently, causing gaps and inconsistencies.<\/li>\n\n\n\n<li><strong>Taxation:<\/strong> No two countries tax digital assets the same way, making global reconciliation nearly impossible.<\/li>\n\n\n\n<li><strong>Monetary sovereignty:<\/strong> Nations simply won\u2019t hand control of their currency or financial infrastructure to a global authority.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tokenization Is Here \u2014 But True Global Unity Isn\u2019t<\/strong><\/h2>\n\n\n\n<p>Despite these challenges, one thing is undeniable: <strong>global finance is being tokenized step-by-step<\/strong>. National systems are modernizing, regulators are catching up, and corporations are moving fast to integrate blockchain-based infrastructure.<\/p>\n\n\n\n<p>A perfectly unified global digital system may never arrive \u2014 but 2025 proved that the world is heading firmly, and irreversibly, in that direction<\/p>\n\n\n\n<p>Also Read:<a href=\"https:\/\/www.decentralnetwork.org\/news\/western-union\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/www.decentralnetwork.org\/news\/western-union\/\" rel=\"noreferrer noopener\">  Western Union Eyes Stablecoin Card for Inflation-Hit Economies<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2025 will be remembered as the year tokenization stopped being a future dream and became a defining force across global &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"2025 Marked the Breakout Year for Tokenization\" class=\"read-more button\" href=\"https:\/\/www.decentralnetwork.org\/news\/tokenization\/#more-1779\" aria-label=\"Read more about 2025 Marked the Breakout Year for Tokenization\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":1780,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[1805,1809,1810,1691,1807,1806,1817,1799,1811,1813,1808,1812,1816,1801,1815,1800,1803,1802,1804,1814],"class_list":["post-1779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cryptocurrency","tag-alibaba-jp-morgan-deposit-token-system","tag-carf-global-crypto-tax-reporting-2027","tag-corporate-stablecoins-by-amazon-and-walmart","tag-cross-border-payments-using-stablecoins","tag-digital-asset-regulation-challenges-worldwide","tag-european-stablecoin-issuer-allunity-update","tag-fatf-travel-rule-digital-asset-compliance","tag-fully-backed-stablecoins-regulation-update","tag-global-banks-launching-stablecoins-2025","tag-google-cloud-crypto-payment-integration","tag-india-asset-reserve-certificate-stablecoin","tag-japan-banks-joint-stablecoin-initiative","tag-oecd-crypto-asset-tax-rules-explained","tag-paypal-pyusd-stablecoin-adoption","tag-russia-a7a5-ruble-pegged-stablecoin","tag-tokenization-in-global-finance-2025","tag-u-s-crypto-broker-tax-disclosure-2025","tag-u-s-genius-act-stablecoin-regulations","tag-uae-saudi-arabia-aber-stablecoin-project","tag-world-liberty-financial-usd1-stablecoin","resize-featured-image"],"jetpack_featured_media_url":"https:\/\/www.decentralnetwork.org\/news\/wp-content\/uploads\/2025\/12\/Untitled-design-100.webp","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/posts\/1779","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/comments?post=1779"}],"version-history":[{"count":1,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/posts\/1779\/revisions"}],"predecessor-version":[{"id":1781,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/posts\/1779\/revisions\/1781"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/media\/1780"}],"wp:attachment":[{"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/media?parent=1779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/categories?post=1779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.decentralnetwork.org\/news\/wp-json\/wp\/v2\/tags?post=1779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}<!-- This website is optimized by Airlift. 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