---
path: /report/tokenized-deposits-primer/
title: "Tokenized Deposits for Banks: A Primer"
description: A practical primer on tokenized deposit models, accounting flows, and the options banks can use to settle with other institutions.
image: /og/2026-q4/og_2026-q4_report_tokenized-deposits-primer_linework-f5_v02.png
category: Banking
order: 0
heroTitle: "Tokenized deposits for banks: a primer"
eyebrow: Stablecoin Advisory
useCasePlaceholder: Tokenized deposits, intragroup liquidity, interbank settlement...
reportSummary:
  text: "This primer examines two core decisions for banks developing tokenized deposits: which ledger serves as the source of truth for client balances, and how payments settle with other banks. It traces the accounting flows and compares the trade-offs across credit risk, liquidity, operational complexity, and network reach."
  items:
    - Understand tokenized deposits, deposit tokens, and tokenized central bank reserves
    - Follow payments through operating accounts, omnibus accounts, and on-chain deposit accounts
    - Compare bilateral settlement, shared clearing infrastructure, and settlement in central bank money
    - Assess the commercial, legal, liquidity, and reconciliation requirements for launch
reportUrl: /report/tokenized-deposits-primer/
pdfUrl: /reports/tokenized-deposits-for-banks.pdf
readerUrl: /report/tokenized-deposits-primer/print/
locale: en
canonical: https://tempo.xyz/report/tokenized-deposits-primer/
---

# Tokenized Deposits for Banks: A Primer

## Inside the report

This primer examines two core decisions for banks developing tokenized deposits: which ledger serves as the source of truth for client balances, and how payments settle with other banks. It traces the accounting flows and compares the trade-offs across credit risk, liquidity, operational complexity, and network reach.

- Understand tokenized deposits, deposit tokens, and tokenized central bank reserves
- Follow payments through operating accounts, omnibus accounts, and on-chain deposit accounts
- Compare bilateral settlement, shared clearing infrastructure, and settlement in central bank money
- Assess the commercial, legal, liquidity, and reconciliation requirements for launch

> Interactive report gate is available on the HTML page.

[Download the full report (PDF)](/reports/tokenized-deposits-for-banks.pdf)

---

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