80–90% of circulating U.S. money is commercial bank money, not physical cash. Cosmos Lab's CEO Barry Plunkett, @BPIV400 speaks about why tokenized deposits are the path to putting that $100T to work with 24/7 settlement, instant cross-border transfers, and programmable logic. https://www.linkedin.com/pulse/theres-100-trillion-sitting-banks-tokenizing-changes-barry-plunkett-7tgke/(Cosmos - The Interchain ⚛️)