Free guide
Digital Assets: A Complete Guide for Banks
$300 billion in stablecoins. $1.9 trillion in bank-issued tokens by 2030. Everything your institution needs — from regulation and strategy to implementation playbooks.
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Trusted by the best
$300B+
Stablecoins in circulation
$1.9T
Bank-issued tokens by 2030
49%
of FIs already using stablecoins
Inside the guide
What you'll learn
16 pages of regulatory context, technical architecture, and strategic decision frameworks for banking executives and technology decision-makers.
The Strategic Case
Why banks are going onchain, the two paths forward, and the market size driving adoption.
Deposit Token Playbook
How JPMorgan, Citi, and HSBC are deploying tokenized deposits — architecture, lifecycle, and frameworks.
Stablecoin Primer
GENIUS Act, MiCA, stabilization models, and a decision matrix for issuance vs. integration.
Implementation Guide
Build vs. buy vs. partner — provider evaluation and a decision flowchart for your institution.
From the guide
Which path fits your institution?
Stablecoin rails
Global reach & cost reduction
- ✓Cross-border at 0.1-0.5% vs 6.6%
- ✓No correspondent banking needed
- ✓Capture $40-50M yield per $1B supply
- ✕Cannot pay interest to holders
- ✕No FDIC insurance
Best for: Remittances, merchant settlement, closed-loop ecosystems, emerging markets
Deposit tokens
FDIC-insured efficiency
- ✓Full FDIC coverage up to $250K
- ✓Can pay interest to holders
- ✓Native core banking integration
- ✕Requires banking relationship
- ✕Limited global reach
Best for: Intra-bank liquidity, corporate treasury, wholesale banking, programmable credit
Most tier-1 banks choose both.
Integrate stablecoins for liquidity now, build deposit tokens for strategic control.
Based on real deployments
Drawing on implementations at JPMorgan, Citi, HSBC, Visa, and Stripe — plus the GENIUS Act, MiCA, and emerging APAC regulatory frameworks.
16
pages
5+
institutions
3
frameworks
Get the full guide
$300 billion in stablecoins. $1.9 trillion in bank-issued tokens by 2030. Everything your institution needs — from regulation and strategy to implementation playbooks.
Download the free guide
We'll send it straight to your inbox.
By entering your email address, you agree to receive our marketing communications and product updates. You acknowledge that Alchemy processes the information we receive in accordance with our Privacy Notice. You can unsubscribe anytime.