Tokenized Deposits May Be Banks’ Best Defense Against Digital Money Disintermediation

forbes.com Jun 17, 2026

Tokenized Deposits May Be Banks’ Best Defense Against Digital Money Disintermediation

Curated by Shubham · TechCapsules · Jun 17, 2026

AI-summarised brief · reviewed before publication

Ravi Chamria, CEO of Zeeve Inc., suggests that tokenized deposits may be banks' best defense against digital money disintermediation. Stablecoins, which have a market capitalization of over $300 billion, pose a risk to banks as they can become the preferred gateway for digital money, pushing banks out of customer relationships and payment flows. Banks are at risk of losing their deposit base as customers move funds into stablecoins, which are backed 100% by cash or high-quality liquid assets. This shift could disrupt the traditional banking system.

💡 Why It Matters

· Banks' ability to maintain their deposit base is at stake as customers increasingly turn to stablecoins for digital money.
· If nonbank issuers become the preferred gateway for digital money, banks may lose their role as intermediaries, forcing them to adapt to a changing financial landscape.

Blockchain Capsules

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