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Strategic Shift Toward Blockchain Tokens Transforms International Financial Landscape

Strategic Shift Toward Blockchain Tokens Transforms International Financial Landscape

Bitget-RWA2025/11/13 06:54
By:Bitget-RWA

- Major firms like Circle , JPMorgan , and ConsumerFi are driving blockchain adoption through native tokens to modernize financial systems and boost institutional engagement. - Circle's Arc blockchain introduces a native token to replace USDC gas fees, attracting 100+ institutional partners including Goldman Sachs and Visa during its testnet phase. - JPMorgan expands JPM Coin to euros via Coinbase's Base network, enabling instant cross-chain settlements while partnering with Mastercard and B2C2 to tokenize

The blockchain industry is experiencing rapid growth in the use of native tokens, as leading organizations aim to modernize financial operations and boost institutional involvement. Companies such as

, , and ConsumerFi are utilizing tokenized frameworks to transform international payments, stablecoin management, and decentralized finance (DeFi), marking a significant movement toward blockchain-based financial systems.

Circle, which issues the

stablecoin, is leading this evolution. The company has revealed intentions to launch a native token for its Arc blockchain, a business-oriented Virtual Machine (EVM) network tailored for stablecoin operations and real-world asset integration, according to a article. This announcement comes after a robust third quarter, with USDC’s circulation climbing to $73.7 billion—a 108% increase from the previous year, as highlighted by .
Strategic Shift Toward Blockchain Tokens Transforms International Financial Landscape image 0
Arc, which is currently undergoing public testnet trials, has drawn participation from over 100 institutions, including Goldman Sachs, BlackRock, and Visa, according to Live News. The native token is designed to align the interests of developers, validators, and partners, and may eventually replace USDC as the method for paying gas fees, creating a more stable and predictable transaction environment, as reported by .

JPMorgan is also making significant progress with its blockchain-powered deposit token, JPM Coin (JPMD), which is now accessible on Coinbase's Base network. This token allows institutional clients to make nearly instant payments around the clock, eliminating the need for traditional multi-day settlement processes, according to an

article. In a notable development, JPMorgan’s Kinexys unit is preparing to launch a euro-based version of JPM Coin (JPME), pending regulatory approval, as detailed by . This initiative, which involves collaborations with Mastercard and B2C2, highlights the bank’s commitment to tokenizing commercial banking systems, enabling efficient cross-chain settlements and collateral management, as stated by JPMorgan. B2C2’s CEO, Thomas Restout, pointed out that integrating JPM Coin into trading platforms improves both liquidity and confidence in digital asset markets, according to the same JPMorgan report.

At the same time, ConsumerFi is combining blockchain and artificial intelligence to revolutionize consumer finance. The protocol introduced its CFI token on the Calyx platform through a multichain sale, allowing users to earn from their digital activities while safeguarding their privacy, as reported by

. Built on the NEAR blockchain, ConsumerFi employs encrypted data processing to deliver customized financial insights without compromising user data. With 900,000 active users each month, the project seeks to connect DeFi with real-world data, providing a privacy-first alternative to conventional financial systems, as noted by Coinotag.

The

behind native tokens demonstrates a deliberate shift by financial and technology companies to harness blockchain’s advantages. Jeremy Allaire, CEO of Circle, stated that Arc’s testnet has sparked “remarkable excitement” among collaborators, positioning the network as a strong contender in the modular blockchain space, according to CryptoTimes. Likewise, JPMorgan’s Naveen Mallela remarked that tokenized deposits merge the reliability of regulated banking with blockchain’s speed, enhancing liquidity and lowering transaction expenses, as reported by JPMorgan.

Regulatory developments and market trends are further fueling this adoption. Analysts at Bernstein predict that Circle’s USDC could become the leading stablecoin due to its regulatory transparency and banking alliances, as mentioned in The Coin Rise. Meanwhile, JPMorgan’s Kinexys network already handles over $3 billion in daily transactions, with the potential for rapid expansion as more businesses transition to on-chain settlements, according to CryptoNinjas.

As these projects advance, the boundaries between traditional finance and blockchain are increasingly

. From Circle’s Arc and JPMorgan’s JPM Coin to ConsumerFi’s AI-powered DeFi platform, native tokens are becoming essential for reshaping the global financial landscape—emphasizing speed, openness, and institutional reliability.

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Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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