JPMorgan Develops Blockchain-Based Framework for Tokenizing Conventional Financial Assets

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JPMorgan Develops Blockchain-Based Framework for Tokenizing Conventional Financial Assets

Bitget-RWA2025/11/15 01:40

By:Bitget-RWA

- JPMorgan launches JPM Coin Onchain and completes first live Kinexys Fund Flow transaction, tokenizing private fund settlements with real-time data processing. - Partners with Singapore's DBS to build cross-border tokenized deposit interoperability, aiming to enable 24/7 payments and address sector fragmentation. - Expands blockchain strategy through Alibaba collaboration for AI-driven B2B payments and regulatory shifts easing capital requirements for DLT innovation. - Industry experts highlight JPMorgan'

JPMorgan Chase & Co. is ramping up its blockchain efforts by introducing JPM Coin Onchain, aiming to meet the rising need for rapid financial settlements. The bank’s newest project, Kinexys Fund Flow—a blockchain-powered solution for private fund transactions—successfully executed its first live transaction this month,

representing a major milestone

in JPMorgan’s overarching plan to digitize conventional financial assets. This initiative is part of a broader industry movement to use distributed ledger technology (DLT) to simplify international payments, accelerate settlements, and improve transparency.

Industry reports indicate

, the bank’s blockchain projects are picking up

significant traction

Created by JPMorgan’s digital asset division Kinexys, the platform allows private fund flows to settle instantly by converting investor information into tokens. The first transaction included

JPMorgan

Asset Management, its Private

Bank

, and fund administrator Citco,

showcasing the platform’s capability

to reduce manual processing and speed up capital transfers. JPMorgan intends to expand Kinexys Fund Flow’s availability in early 2026,

building on its earlier blockchain achievements

, such as the 2019 debut of JPM Coin and the 2020 establishment of its Onyx unit.

The bank’s blockchain vision is also reaching global markets. Last November, JPMorgan revealed a partnership with Singapore’s DBS Group to create a framework for interoperability within tokenized deposit networks.

This collaboration seeks

to support round-the-clock international payments and immediate tokenized deposit transfers between clients of both banks, helping to resolve fragmentation in the tokenized finance industry. This alliance comes after

comparable initiatives

by Swiss institutions like UBS and PostFinance, which recently completed the first legally binding interbank payment using blockchain.

The bank’s asset tokenization approach is not limited to institutional partners. JPMorgan is teaming up with Alibaba’s global e-commerce division to investigate

AI-powered subscription models and stablecoin-style payments

via its JPMD token, which is tailored for business-to-business transactions. At the same time, JPM Coin continues to play a vital role in the bank’s internal treasury operations,

enabling immediate settlements

between corporate clients.

Regulatory changes are further fueling the momentum behind asset tokenization.

U.S. regulatory authorities report

, capital rules for major banks like JPMorgan are being relaxed, which could free up more resources for innovation in DLT and tokenized assets. Meanwhile, initiatives such as the Regulated Liability Network—a coalition of banks developing a shared ledger for tokenized deposits—

underscore the industry’s move

toward blockchain-based infrastructure.

Analysts in the field observe that JPMorgan’s advancements are part of a larger shift as financial firms adopt blockchain to address changing market needs. "

The capacity to digitize assets and support seamless, real-time transactions

has shifted from being a futuristic idea to a crucial competitive edge," stated Rachel Chew, DBS’s digital currency lead. With JPMorgan leading the charge, the transformation of global finance through blockchain is entering a pivotal stage.

Disclaimer: The content of this article solely reflects the author's opinion and does not represent the platform in any capacity. This article is not intended to serve as a reference for making investment decisions.

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