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THE NEW PLAYING FIELD

We are heading towards a cashless economic system where digital Tokens*, representing units of value of any kind, can be traded P2P/M2M in an efficient, commission free and distributed blockchain-based market.

Digital twins enable the creation of tokens backed by real assets, releasing trillions of dollars in locked illiquid assets, such as: physical goods, real estate and works of art.

Where millions of blockchain wallet holders become investors and owners of unlimited divisible percentages of assets.

In this new economic system: what is the future role of the financial institutions?

BUSINESS MODELS

THE CUSTODIAN MODEL

As tokens are perceived to be a new asset class, people will want to entrust their digital wealth to reliable and secure custodians. Banks are the natural trustee to hold their digital assets because they have been doing this for centuries with traditional assets, such as: cash, stock, gold, jewels, etc.

Banks will make money by charging their customers with a fixed and/or variable fee depending on the amount of value under custody.

THE ASSET MANAGEMENT MODEL

The creation of reliable digital twins and the tokenization of their ownership enables banks to issue and manage innovative financial products backed by a basket of real physical assets (such as minor metals, art and jewelry, etc.).

The business models and revenue streams of banks will be based on:

  • ACCOUNT FEE
  • MARGIN ON ASSET TRADING
  • FEE FOR MANAGING THE BASKET OF ASSETS
  • REDEMPTION FEE
*Tokens are digital representations of units of value. According to the Swiss regulatory body “finma”, tokens can have three functions: payment tokens (crypto currencies), utility tokens (products & services) and asset tokens (representing ownership of assets).
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