- Major US banks and financial intermediaries expect a digital financial transition to start slowly, then accelerate rapidly after a tipping point.
- The tokenized real-world asset market has grown by over 420% since early 2025, reaching $31.6 billion.
- Moody’s Ratings outlined three potential outcomes: steady growth, low-growth stagnation, or a disruptive rapid-adoption scenario.
- Traditional financial institutions are actively preparing, with nearly all large banks establishing dedicated digital asset teams.
- Institutional interest in blockchain is driven partly by tokenization, with predictions it could grow into a $28 trillion market by 2030.
Major US banks and financial market intermediaries foresee an inevitable, slow-then-fast shift to a digitized financial system, according to a recent report from credit rating agency Moody’s Ratings. Consequently, industry leaders believe broad asset tokenization will happen, though the pace and sequence remain uncertain. “In the near term, progress is expected to remain gradual and focused on those simpler segments,” Moody’s stated, but many anticipate a tipping point where broader adoption accelerates rapidly.
However, current tokenization activity is relatively low, primarily seen in crypto trading and cross-border payments. Meanwhile, traditional finance is laying the groundwork, with nearly all large banks establishing dedicated digital asset teams to avoid being caught flat-footed. For example, Morgan Stanley recently tapped a veteran executive to lead its new crypto unit.
The tokenized real-world asset market has surged by more than 420% since the start of 2025, according to analytics platform RWA.xyz, now worth $31.6 billion. Tokenization is a key driver of institutional blockchain interest, with Ark Invest predicting digital assets could grow into a $28 trillion market by 2030.
Moody’s outlined three possible outcomes for the financial system in a separate report. The most likely is a “steady growth” base case where the system largely stays unchanged. Conversely, regulatory friction could lead to a low-growth scenario where adoption is stifled. The most disruptive outcome would involve rapid growth, where assets like stablecoins become widely embraced for onchain settlement, pressuring some incumbent players like payment processors.
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