Electronic emails run around the world in milliseconds, but money still moves in a tracking. You can take days to pay, especially cross -border, more time during weekends or holidays. The result? Billions of dollars are trapped where they cannot earn yield.
This inefficiency is more than an inconvenience: it is a systemic drag. For companies and financial institutions, delayed access to liquidity means higher costs, limited working capital and a structural disability in a world that awaits everything in real real time.
Stablecoins as a catalyst
The advent of Stablecoins showed that money could move at the Internet speed. Today, billions of dollars of dollars are established instantly in Blockchain Rieles, with stablcoins providing the liquidity in dollars that drives cryptography markets, payments and remittances. But the stablecoins only solve half of the problem.
SOURCE: https://visaronchainanalytics.com/
They provide speed, not performance. Stablecoin’s balances, together with hundreds of billions of dollars, generally don’t earn anything. It contrasts with that with the tokenized treasure The assets and funds of the money market, which are low risk and performance instruments that pay the rate without risk. The challenge is that subscriptions and reimbursements inside and outside these products are still executed in asynchronous, often t+2 deadlines that block the invertible capital necessary in the immediate term.
Convergence and composition
The industry is now on the cusp of convergence. The world’s main asset administrators now offer tokenized money funds, with Blackrock Buidl, for example, exceeding $ 2 billion assets under administration.
Source: https://app.rwa.xyz/assets/buidl
These tokenized funds can be transferred and established instantaneously, including atomically, against other tokenized instruments such as Stablecoins. As Stablecoin’s activity increases, so do the needs for cash management and treasury for which he tokenized Treasury bonds are the optimal solution.
What is missing is connective tissue. No neutral infrastructure to enable 24/7 atomic exchanges between established tokenized treasure bonds and bonds, We are only digitizing the old limitations. The real advance occurs when institutions can have assets without risks and instantly convert them into cash at any time, without intermediaries, delays or price landslides.
The bets
The bets are huge. Only in the US, the bank deposits not with interest total almost $ 4.0 billion. If even a fraction were swept into tokenized treasure bonds and instantly became convertible into stablecoins, it would unlock hundreds of billions of dollars in yield while preserving total liquidity. That is not a marginal efficiency: it is a structural change in global finances.
Critically, this future requires open, neutral and compliant infrastructure. Patented walled gardens can offer efficiency for an institution, but systemic benefits only arise when incentives are aligned between emitters, assets of assets, custodians and investors. Just as global payment networks required interoperable standards, tokenized markets need shared rails for liquidity.
The way forward
The liquidity gap is not a technical inevitability. The tools exist: assets without tokenized risks, programmable money and intelligent contracts capable of enforcing an instant agreement without confidence. What is needed now is the urgency, by institutions, technologists and policy formulators, to close the gap.
The future of finance is not simply faster payments. It is a world where capital is never inactive, where compensation between liquidity and yield disappears and where the foundations of financial markets are rebuilt for a global economy always active.
That future is closer to what most believe. Those who accept it will define the next era of financial markets; Those who doubt will leave behind.
