--- path: /solutions/tokenized-deposits/ title: Tokenized deposits — Tempo Solutions description: Keep deposits private and settle 24/7, with access to stablecoins and deposits from other institutions. template: solutions image: /og/2026-q4/og_2026-q4_solution_tokenized-deposits_title-image_v03.jpg integrations: - snitcher seoTitle: Tokenized deposits for banks — Tempo seoDescription: Issue private, interoperable tokenized deposits on Tempo. Settle 24/7, set transfer policies, and link payments to ISO 20022 data. eyebrow: Tokenized deposits faq: - question: What is a tokenized deposit, and how does it differ from a stablecoin? answer: A tokenized deposit is a bank deposit represented as a digital token on a blockchain. It remains a claim on the issuing bank. A stablecoin has its own issuer, backing, and redemption terms. Tempo provides infrastructure for banks exploring tokenized deposits alongside stablecoins and other onchain assets. - question: How do banks reconcile tokenized deposit activity with core banking systems? answer: Tempo’s payment references can link onchain transfers to corresponding ISO 20022 payment messages and internal transaction records. Virtual addresses help identify customer deposits while routing funds to a central account. The bank’s integration uses these records to verify payments, post entries, and reconcile activity with its core banking systems. - question: What are tokenized deposits used for? answer: Banks can design tokenized deposit products for corporate treasury, intragroup funding, business payments, and securities settlement. Their value comes from connecting bank deposits to programmable payment workflows while preserving the bank’s customer relationships and controls. Tempo Zones provide a private environment for supported activity, with deployment capabilities determining which workflows are available. - question: Who can see deposit activity? answer: Tempo Zones limit visibility to your bank, approved participants, and the Zone operator, who can read the Zone’s ledger. Balances and activity inside the Zone stay private from the public, while deposits into and withdrawals from the Zone remain visible on Tempo. See the Zone privacy model for details. locale: en canonical: https://tempo.xyz/solutions/tokenized-deposits/ --- # Tokenized deposits Issue private, interoperable tokenized deposits Keep deposits private and settle 24/7, with access to stablecoins and deposits from other institutions. [Get in touch](/contact/) ## Bring your deposit services onchain ### Keep deposit activity private Give customers the privacy they expect, with visibility limited to your bank, approved participants, and the trusted operator. ### Set the rules for your deposits Define who can hold and transfer deposits, which assets accounts accept, and when to pause or restrict activity. ### Simplify reconciliation Attribute flows by customer, account, desk, or transaction reference to connect payment activity with your core systems. ## Bring bank-issued money to regulated workflows ### Represent approved client balances as tokenized deposits ### Move funds between your entities with shared records ### Settle counterparty flows around the clock ### Set rules for who can hold and move your deposits ## Issue and manage deposits on Tempo ### Protect deposit activity with Tempo Zones Hold and transfer deposits inside a private environment, with visibility for your bank, approved participants, and the trusted operator. ### Configure your deposit policies Set receive policies, roles, allowlists, and blocklists, with controls to pause transfers, freeze balances, and burn tokens. ### Connect payments to core systems Use virtual addresses to identify each customer’s deposits, and structured memos to link payments to ISO 20022 transaction data. ## FAQ ### What is a tokenized deposit, and how does it differ from a stablecoin? A tokenized deposit is a bank deposit represented as a digital token on a blockchain. It remains a claim on the issuing bank. A stablecoin has its own issuer, backing, and redemption terms. Tempo provides infrastructure for banks exploring tokenized deposits alongside stablecoins and other onchain assets. ### How do banks reconcile tokenized deposit activity with core banking systems? Tempo’s payment references can link onchain transfers to corresponding ISO 20022 payment messages and internal transaction records. Virtual addresses help identify customer deposits while routing funds to a central account. The bank’s integration uses these records to verify payments, post entries, and reconcile activity with its core banking systems. ### What are tokenized deposits used for? Banks can design tokenized deposit products for corporate treasury, intragroup funding, business payments, and securities settlement. Their value comes from connecting bank deposits to programmable payment workflows while preserving the bank’s customer relationships and controls. Tempo Zones provide a private environment for supported activity, with deployment capabilities determining which workflows are available. ### Who can see deposit activity? Tempo Zones limit visibility to your bank, approved participants, and the Zone operator, who can read the Zone’s ledger. Balances and activity inside the Zone stay private from the public, while deposits into and withdrawals from the Zone remain visible on Tempo. See the Zone privacy model for details. ## Launch your tokenized deposit product Work with Tempo to design your deposit product, connect the right partners, and integrate with your bank’s systems. 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