Executive summary The competitive battle in payments has moved from the checkout to the money itself. Canada’s six largest banks (RBC,TD,BMO,Scotiabank,CIBC and National Bank) have announced a joint project to build shared Canadian-dollar tokenised deposit infrastructure. The initial phase will focus on transfers between participating banks rather than consumer wallets. There is no launch date yet,but the project may later include other deposit-taking institutions. For merch

The ECB launched Pontes on 21 September 2026 to let wholesale transactions in tokenised assets settle in central bank money. In plain English, Pontes connects blockchain-style market infrastructure to the Eurosystem’s existing payment systems. It is not a retail CBDC. It is not an ECB cryptocurrency. It is public settlement infrastructure for banks, market infrastructures and institutional tokenised markets. The strategic importance is larger than the launch itself. Europe is

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The next payments infrastructure race is not simply crypto versus banks. It is a contest between fragmented private rails and interoperable, regulated money movement. On 26 August 2026, 39 US state banking associations announced the formation of the BankChain Alliance, an industry-owned initiative targeting a 2027 blockchain network for tokenised deposits, regulated digital money, smart payments and automated settlement. Separately, major US banks are backing a tokenised-depo

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