Singapore's largest asset bank, DBS Bank, is expanding its digital asset services by launching tokenized structured notes on the Ethereum blockchain.
The bank is lowering investment thresholds by tokenizing traditional high-barrier financial products, allowing for smaller denominations.
Structured notes are debt securities issued by financial institutions such as banks. DBS Bank points out that these products typically have a minimum investment amount of $100,000 and are customized based on client needs, making them complex and with limited liquidity.
DBS Bank stated that by reducing the denomination to $1,000, these products will become more flexible and easier to trade, facilitating portfolio management for investors.
On September 17, 2024, DBS Bank launched cryptocurrency-related structured notes and cryptocurrency options trading. The bank reported that the total trading volume for clients exceeded $1 billion in the first half of 2025, with a nearly 60% quarter-on-quarter growth from Q1 to Q2, indicating strong market demand.
DBS Bank has pioneered the tokenized distribution of cash-settled cryptocurrency-related participation notes. These notes provide cash returns to investors when cryptocurrency prices rise.
This allows investors to gain exposure to this asset class without directly holding or managing cryptocurrencies. DBS Bank claims that the product structure can also help investors mitigate potential losses when cryptocurrency prices fall.
Additionally, DBS Bank stated that it will also tokenize conventional structured notes, including those linked to stocks and those linked to credit, in addition to cryptocurrency-related notes.
Li Zhen, head of foreign exchange and digital assets at DBS Bank's global financial markets, stated that the bank has been advancing tokenization-related initiatives since 2021. He mentioned that the launch of cryptocurrency-related notes aims to meet the growing demand for digital assets from institutional clients.
The announcement noted that the tokenized structured notes will be exclusively available to qualified and institutional investors. DBS Bank stated that these notes will be distributed through Singapore-licensed digital investment platforms ADDX, DigiFT, and HydraX.
While the bank indicated that the tokenized structured notes will be issued on the Ethereum blockchain, it did not disclose why this network was chosen or the specific method of token issuance.
Cointelegraph inquired about this information from DBS Bank but had not received a response by the time of publication.
Tokenized structured notes are part of DBS Bank's broader blockchain and digital asset strategy.
In October 2024, the bank launched blockchain-based banking services for institutional clients, achieving real-time settlement of blockchain payments based on smart contracts. In November, the bank partnered with Paxos' Singapore branch to launch a USD-backed stablecoin.
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Original article: “DBS Bank Expands Cryptocurrency Services, Launches Tokenized Structured Notes on Ethereum Chain”
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