The interaction between the banking sector and blockchain technology, as well as its involvement in the development of digital assets, has seen a significant increase in recent years. The implementation of regulations that facilitate the provision of services related to cryptoactives has stimulated the participation of banks in these markets. In addition, the presence of non-banking entities, such as fintech and bigtech, in the field of financial services, together with the issuance of digital currencies (CBDC), the tokenization of financial instruments and the growth of decentralised finance (DeFi), add complexity to this dynamic.
Important questions arise: What should be the role of banks in this new environment? What forms of money will prevail in the next few years? Should banking compete, collaborate or give land to DeFi? What should be the response of banks to the imminent tokenization of real assets (RWA)? Does tokenization represent a fundamental change in the banking business model? The relationship between banking and digital assets raises many questions.
