The host of a recent crypto analysis video argues that the market is badly underpricing one of its most bank-focused projects. While HBAR trades like “the market has completely missed it,” the analyst says, major US banks are now openly preparing for tokenized deposits and 24/7 settlement — precisely the rails HBAR has been building for.
Wall Street Preps Tokenized Deposits For 2027
Citing a Wall Street Journal report, 2Bit Crypto highlights that JPMorgan Chase, Bank of America, Citigroup and Wells Fargo are backing a new tokenized deposit network expected to launch in the first half of 2027. The system would be operated by The Clearing House, already embedded in core US banking infrastructure.
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The analyst stresses the distinction between tokenized deposits and traditional stablecoins such as USDT or USDC. Stablecoins are usually issued by crypto firms and backed by reserves.
Tokenized deposits, by contrast, represent commercial bank money itself as digital tokens, enabling funds to move “blockchain style” instead of through legacy payment rails. The pitch from banks: faster, potentially 24/7 settlement, and a way to compete directly with stablecoins before corporate payments fully migrate on-chain.
While the banks have not said this infrastructure will use Hedera, the analyst insists “the choice feels like Hedera is very much top of the list,” given its long-standing focus on tokenization, compliance, and high-throughput settlement.
Hedera’s Institutional Lane: Real-World Tests, Sleeping Price
The YouTube video points to recent UK experiments as evidence that banks are already testing Hedera’s capabilities. At “Hedera Con 2026,” themes included tokenization, interoperability, AI and “the future of trust.”
More concretely, Lloyds Banking Group, abrdn (referred to as Aberdeen Investments) and ARCAX worked on a UK-first digital finance initiative where tokenized real-world assets were used as collateral for FX trades.
According to 2Bit’s summary of the pilot, tokenized units of abrdn’s money market fund and tokenized UK gilts were issued, transferred and held by ARCAX on the Hedera Hashgraph network.
That direct naming of Hedera in a large-bank use case, 2Bit Crypto argues, shows “the bank’s already taking a very obvious look at what’s going on.”
Yet HBAR’s price action remains subdued, despite what the video calls “huge institutional headlines.” The thesis advanced is that markets routinely ignore foundational infrastructure — until they don’t, and then “suddenly reprice when you least expect it.”
Hedera, in this framing, is not a casino token but “infrastructure for trust” in a financial system now moving toward tokenized money, programmable finance and real-world assets on-chain.
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They’re different. Tokenized deposits are described as actual bank deposits represented on-chain, while stablecoins are private tokens backed by reserves.
The analyst notes that banks have not announced Hedera integration; the argument is that Hedera’s design fits the direction banks are heading.
The video cites a UK initiative with Lloyds Banking Group, abrdn and ARCAX, where tokenized money market fund units and UK gilts were issued and held on Hedera.
The host suggests markets often overlook infrastructure projects during the build-out phase, and that any future repricing could be abrupt rather than gradual.
