{"id":526197,"date":"2026-03-24T14:30:00","date_gmt":"2026-03-24T18:30:00","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=526197"},"modified":"2026-03-24T13:17:33","modified_gmt":"2026-03-24T17:17:33","slug":"bmo-brings-tokenized-cash-to-googles-blockchain","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/bmo-brings-tokenized-cash-to-googles-blockchain\/","title":{"rendered":"BMO Brings Tokenized Cash to Google\u2019s Blockchain"},"content":{"rendered":"\n<p>Amid a flood of stablecoin launches, many of the world\u2019s leading financial services firms continue to champion tokenization.<\/p>\n\n\n\n<p>Robinhood\u2019s CEO highlighted the technology\u2019s industry-transforming potential last year, and now Blackrock CEO Larry Fink has <a href=\"https:\/\/www.theblock.co\/post\/394746\/blackrock-larry-fink-tokenization-making-investing-with-phone-easy-as-payments\" target=\"_blank\" rel=\"noreferrer noopener\">echoed that enthusiasm<\/a> with similarly strong remarks. Fink noted that the global proliferation of digital wallets has created the ideal conditions for tokenization, which can enable near-real-time settlement, lower transaction costs, and always-on operations.<\/p>\n\n\n\n<p>While Fink was mainly referring to the tokenization of traditional assets like stocks and bonds, these same advantages extend to tokenized cash and bank deposits. This is one reason the Bank of Montreal (BMO) is moving ahead with plans to <a href=\"https:\/\/www.reuters.com\/business\/bmo-launch-tokenized-cash-platform-with-cme-google-cloud-2026-03-24\/\" target=\"_blank\" rel=\"noreferrer noopener\">roll out tokenized cash<\/a>, enabled by Google Cloud Universal Ledger (GCUL) and CME Group.<\/p>\n\n\n\n<p>\u201cIt&#8217;s less about crypto payments and more about rebuilding the plumbing between banking, collateral, and financial market infrastructures,\u201d said <a href=\"https:\/\/javelinstrategy.com\/our-team\/joel-hugentobler-0\">Joel Hugentobler<\/a>, Cryptocurrency Analyst at Javelin Strategy &amp; Research. \u201cBMO is basically saying that if markets are heading toward longer operating hours and continuous trading, then the money layer has to become continuous.\u201d<\/p>\n\n\n\n<p>\u201cWhat is important here is that with the use of tokenized cash, CME clearing will allow firms to meet margin calls and settlement obligations in real time,\u201d he said. \u201cThis should reduce idle capital and liquidity, and the need to post excess cash just to survive mismatches within banking hours.\u201d<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-an-agnostic-blockchain\">An Agnostic Blockchain<\/h2>\n\n\n\n<p>The initiative is also notable as one of the largest deployments of GCUL to date. Google designed the platform as a <a href=\"https:\/\/www.paymentsjournal.com\/google-is-building-a-universal-blockchain-for-financial-institutions\/\">neutral, global infrastructure<\/a> for the financial services industry.<\/p>\n\n\n\n<p>Unlike many blockchain networks built around a specific cryptocurrency or corporate ecosystem, GCUL is designed to be blockchain-agnostic and capable of integrating with Google\u2019s broader technology stack.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tokenizing-security\">Tokenizing Security<\/h2>\n\n\n\n<p>BMO&#8217;s tokenized cash capabilities are expected to go live by the end of the year, alongside the launch of tokenized deposits.<\/p>\n\n\n\n<p>Tokenized deposits are often compared to stablecoins because both can be pegged to fiat currencies. However, the key distinction is that while stablecoins are backed by an issuer\u2019s reserves, tokenized deposits represent direct claims on funds held within the banking system.<\/p>\n\n\n\n<p>This difference is important, as it gives banks a way <a href=\"https:\/\/www.paymentsjournal.com\/bny-mellon-explores-tokenized-deposits-for-internal-transactions\/\">to differentiate their offerings<\/a> in a crowded digital landscape.<\/p>\n\n\n\n<p>\u201cThis is aimed at institutions who want the benefits of tokenization without jumping into an open and permissionless rail from day one,\u201d Hugentobler said. \u201cIf tokenized cash wins in financial markets, such as derivatives, collateral, and settlement, then adoption may come from capital operations before merchant checkout or consumer wallets.\u201d<\/p>\n\n\n\n<p>\u201cIf this were to be the case, it could make commercial bank deposits more competitive and kill the argument of \u2018stablecoins will disintermediate banks,\u2019\u201d he said. \u201cOther effects down the line like capital efficiency, banking hour risks, and more will change for the better.\u201d<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amid a flood of stablecoin launches, many of the world\u2019s leading financial services firms continue to champion tokenization. Robinhood\u2019s CEO highlighted the technology\u2019s industry-transforming potential last year, and now Blackrock CEO Larry Fink has echoed that enthusiasm with similarly strong remarks. Fink noted that the global proliferation of digital wallets has created the ideal conditions [&hellip;]<\/p>\n","protected":false},"author":8464,"featured_media":526198,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"64516"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[137,64516,1283],"tags":[65938,358,62679,219,65937,65381],"class_list":["post-526197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analysts-coverage","category-digital-assets-crypto","category-tokenization","tag-bmo","tag-google","tag-stablecoin","tag-tokenization","tag-tokenized-cash","tag-tokenized-deposits"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BMO Brings Tokenized Cash to Google\u2019s Blockchain - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"The Bank of Montreal is moving ahead with plans to roll out tokenized cash, enabled by Google 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