<div id="readability-page-1"><div>Key insights: HSBC is expanding its tokenized deposit service to the U.S., which was already available in Hong Kong, Singapore, Luxembourg and the UK. What's at stake: Banks have been slow to roll out on-chain products as they wait to see which use cases will be the most in demand. Forward look: The move is the first cog in a wider plan to make tokenized deposits more interoperable across borders, and eventually, among clients.HSBC is making tokenized deposits available in the U.S. The $3.2 trillion-asset U.K.-based bank's tokenized deposit product allows corporations to move money between their domestic and international accounts, instantly and on-chain. The product is also available in Hong Kong, Singapore, Luxembourg and the U.K., and supports multiple currencies, including euros, U.S. dollars, pounds sterling, Singapore dollar, Hong Kong dollar, and onshore and offshore Chinese Yuan. &#34;[Our customers'] businesses operate 365, 24/7. [Payments] need to operate in that same way as well as they become more global,&#34; Tom Halpin, HSBC's North America lead of Global Payments Solutions, told American Banker. &#34;We have a unique proposition that we can do because of our ecosystem effect.&#34; HSBC operates in more than 50 countries. The expansion of the bank's tokenized deposit service comes as many banks play the waiting game as they decide where to make investments in on-chain products such as stablecoins or tokenized deposits. But some early movers have shown a penchant for tokenized deposits, according to American Banker research. HSBC is one of the most active banks in digital-asset product development among banks, according to an American Banker analysis of public statements made by the top 50 publicly traded banks. Citi and JPMorganChase are among the large banks that have deployed tokenized deposits.Tokenized deposits provide multiple benefits to multinational companies, Inderpreet Batra, a senior partner and managing director at BCG, told American Banker. &#34;I can't go outside the bank, but within the bank, I can get a bunch of efficiencies. I can do automation,&#34; Batra said. &#34;The other good thing about tokenized deposits is they are programmable, which means that I can create conditions that say, 'If my balance in a certain country drops below x, then move money, or this certain day I have this much payroll obligation, so move money exactly when I need to make payroll.&#34; While HSBC's tokenized deposit service only allows its clients to move money between their own accounts, Halpin said that the bank is next looking at making the service available for clients to move tokenized deposits to another HSBC client. &#34;Our first ring is always customer to customer,&#34; Halpin said. &#34;The next ring is our customer to a key counterpart on our network.&#34; Beyond that, HSBC wants to connect its network to other private networks, such as faster payments networks in different countries. &#34;We also operate in 65 real-time payment systems around the world, so if we don't have an account with us on our books, in the future, we're going to be more so looking at, how do we take advantage of our presence globally to move to money where it's allowed over those private networks at the same pace,&#34; Halpin said.</div></div>

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汇丰正在将其代币化存款服务扩展到美国，此前该服务已在香港、新加坡、卢森堡和英国提供。该服务允许企业在国内和国际账户之间即时转账，并支持多种货币。汇丰旨在增强代币化存款在跨境和客户之间的互操作性。该银行正在积极开发数字资产产品，力求在这一领域成为领导者。未来的计划包括使客户能够将代币化存款转移到其他汇丰客户，并与全球私人支付网络连接

Exclusive: HSBC extends tokenized deposit service to US

- 汇丰银行在美国扩展其代币化存款服务，已在多个国家推出。  
- 该产品支持多种货币，允许企业即时跨境转账。  
- 汇丰计划未来提升代币化存款的跨界互操作性。

独家消息：汇丰将代币化存款服务推广至美国