Reino Unido acelera para dominar a tokenização global de ativos
Londres dispara na corrida pela transformação digital do mercado financeiro
Estratégia Regulatória Agressiva
A Financial Conduct Authority está desmontando barreiras tradicionais - criando um ecossistema onde títulos digitais e imóveis tokenizados fluem sem atritos. Bancos centrais globais observam enquanto o Reino Unido redefine o que significa possuir ativos no século XXI.Infraestrutura de Ponta
Plataformas de distributed ledger technology estão surgindo em toda a City, oferecendo liquidez instantânea para tudo, desde obras de arte até contratos complexos. A velha guarda financeira está sendo forçada a acompanhar ou ficar para trás.Vantagem Competitiva Global
Enquanto outras nações debatem regulamentação, os britânicos já estão executando - capturando fluxos de capital que antes iam para centros offshore. Claro, os banqueiros tradicionais ainda torcem o nariz, mas quando os lucros chegam, até os céticos mais endurecidos aprendem a amar blockchain. O futuro da propriedade chegou - e surpreendentemente, está vestindo um terno bem cortado em Londres.UK aims to support innovation in the tokenization sector
Tokenisation has the potential to drive fundamental changes in asset management, with benefits for the industry and consumers.
We want to provide asset managers with the clarity and confidence they need to deliver.https://t.co/J4UI4oVfAR#FCAGrowth #FinancialRegulation
— Financial Conduct Authority (@TheFCA) October 14, 2025
The FCA believes that the shift in how people invest in the future, including through tokenization—a digital representation of assets on distributed ledger technology—can help asset managers innovate and stay competitive in the industry. The agency believes the initiative will help consumers access more cost-effective and personalized investments.
“Tokenization has the potential to drive fundamental changes in asset management, with benefits for the industry and consumers. There are many things that firms can do under our existing rules and more that become possible with the changes we propose enacting now.”
–Simon Walls, Executive Director of Markets at the FCA
According to the FCA, tokenization offers new opportunities to improve efficiency and lower fund management costs, particularly by streamlining data sharing and reconciliation among firms involved in operating or distributing funds.
Walls acknowledged that Britain is ready to design the next stage with the industry and that the report already suggests a path for the transition. He added that the UK has the opportunity to be a world-leader, and the agency wants to provide asset managers with the clarity and confidence they need to deliver.
The FCA proposed guidance on operating tokenized fund registers under the agency’s current rules through the UK Blueprint model. It also seeks a streamlined, alternative dealing model for fund managers to process the buying and selling of units in authorized funds, whether traditional or tokenized.
The financial regulator revealed that its proposal outlines a roadmap to advance fund tokenization and address key barriers, including the use of public blockchains and settling transactions entirely on the blockchain. The FCA also plans to discuss how tokenization models could evolve and how regulation may need to adapt.
In a bid to achieve these objectives, the agency joined hands with MAS, the Financial Service Agency of Japan (FSA), and the Swiss Financial Market Supervisory Authority (FINMA)
UK banks launch pilot programs for tokenized deposits
The Bank of England Governor Andrew Bailey stated last week that the UK is placing tokenization at the core of its digital finance strategy and will limit the use of stablecoins. Bailey said tokenization is a more valuable innovation over stablecoins because it keeps money within the regulated banking system.
As Cryptopolitan previously reported, some of the top banks in the UK, including HSBC, NatWest, and Lloyds, have already launched a pilot program using tokenized deposits for online marketplace payments. The financial institutions plan to run the initiative until mid-2026 and explore applications in mortgage refinancing.
Manish Kohli, HSBC’s global head of payments solutions, said that the initiative aims to make tokenized deposits interoperable across banks. William Lee, an analyst at UK Finance, argued that tokenized deposits are likely to be the way that a much wider tranche of financial institutions get involved in the crypto sector.
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