Growing momentum in digital finance is accelerating the shift toward blockchain-based systems in global transactions. Banking giant Standard Chartered (LSE: STAN) CEO Bill Winters said on Nov. 3 that blockchain technology will “eventually” underpin nearly all global transactions, reflecting increasing confidence among major financial institutions in digital transformation. Speaking during Hong Kong FinTech Week, Winters discussed how innovation and regulatory support are converging to redefine the structure of international finance.

Winters stated:

Our belief, which I think is shared by the leadership of Hong Kong, is that pretty much all transactions will settle on blockchains eventually, and that all money will be digital.

He added: “Think about what that means: a complete rewiring of the financial system.” He credited Hong Kong for its leadership in digital asset regulation and experimentation, calling it a key driver of progress in the space.

Standard Chartered has deepened its involvement with blockchain initiatives, expanding into digital asset custody, tokenized products, and trading services. It is also collaborating with Animoca Brands and HKT to launch a Hong Kong dollar-backed stablecoin under the city’s new regulatory framework. Winters said such stablecoins could evolve into a “new medium of exchange for international trade on digital terms.”

The conviction that tokenization will dominate finance is strong across the financial ecosystem, driven by high-profile endorsements and institutional action. Larry Fink, chairman and CEO of Blackrock, the world’s largest asset manager, is a leading proponent, explicitly stating that tokenizing financial assets, including every stock and bond, onto a single general ledger represents the essential next step for the industry. This prediction is being validated by the proactive engagement of major banks and asset managers, such as JPMorgan Chase and UBS, which are all launching tokenized products and conducting real-world pilots that signal a belief in this technology as the future of market infrastructure.

Further underscoring this certainty are the bullish forecasts from major global consulting firms like McKinsey and Deloitte, which project the market for tokenized real-world assets (RWAs) will reach trillions of dollars by the end of the decade. This transformative potential is strongly echoed by Web3 and fintech leaders, who anticipate explosive, multi-trillion-dollar growth, seeing stablecoins as the initial catalyst. Collectively, these influential voices and institutions are positioning tokenization as the inevitable, efficient successor to legacy financial systems.

• What is driving the global shift toward blockchain in finance?
  Increasing institutional confidence, regulatory support, and real-world blockchain pilots are accelerating the adoption of blockchain-based financial systems.
• How are major banks participating in blockchain innovation?
  Leading banks like Standard Chartered, JPMorgan, and UBS are developing tokenized products, custody services, and stablecoin initiatives to embrace digital finance.
• What role do stablecoins play in the future of global trade?
  Stablecoins are emerging as a digital medium of exchange that could power international trade and settlement under new regulatory frameworks.
• How big is the tokenization market expected to become?
  Consulting firms project tokenized real-world assets could reach trillions of dollars in market value by the end of the decade, revolutionizing global finance.

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