Blockchain Finance Breakthrough: Banks and Fintechs Adopt Crypto Payments and Tokenized Deposits

The global financial system is undergoing a quiet revolution. Major institutions are now integrating blockchain technology for everyday services. This shift promises faster, cheaper, and more accessible financial tools for millions.

According to reports from PYMNTS and FinTech Weekly, 2025 has become a pivotal year. Both agile fintechs and established banks are deploying blockchain solutions that directly impact consumer and corporate banking.

Revolut’s Polygon Integration: Cheaper, Faster, Smarter Payments

Digital bank Revolut has integrated the Polygon network. This move enables users to send international remittances with zero fees. The feature is now live for many of its users across Europe.

Users can also stake Polygon’s native POL token directly within the Revolut app. A partnership with Mastercard allows customers to pay with their crypto balances using a card. This bridges the gap between digital assets and point-of-sale transactions.

HSBC’s Tokenized Deposits: Banking in Real Time

Meanwhile, global banking giant HSBC is expanding its tokenized deposit service. The service is already operational in Hong Kong, Singapore, the UK, and Luxembourg. It allows for instant, 24/7 cross-border payments.

Tokenized deposits are different from stablecoins. They are digital representations of real money held in regulated bank accounts. This provides the speed of blockchain with the security of traditional banking.

HSBC plans to bring this service to corporate clients in the U.S. and UAE by 2026. The bank’s global head of payment solutions highlighted the demand for real-time liquidity from corporate treasuries. This system processes payments in multiple major currencies.

Investment Opportunities in Blockchain Stocks

This institutional adoption is fueling interest in blockchain-related stocks. Market analysts are watching several key companies. These firms provide the crucial infrastructure behind these new services.

Publicly traded companies like Core Scientific and Bitdeer Technologies Group are involved in digital asset mining. Others, such as Figure Technology Solutions and Globant, develop blockchain software and consulting services. These stocks offer investors exposure to the sector’s growth.

Analyst ratings for these companies vary, reflecting the market’s assessment of their potential. Trading volumes have been significant as the technology gains mainstream traction. This indicates strong investor interest in the foundational layer of blockchain finance.

Thought you’d like to know-

What are tokenized deposits?

Tokenized deposits are digital tokens issued by a regulated bank. Each token represents a real currency deposit held securely by the institution. They are designed for instant settlement on a blockchain network.

How does Revolut’s zero-fee remittance work?

It uses the Polygon blockchain to process cross-border payments. This bypasses many traditional intermediary banks and their associated fees. The result is a faster and much cheaper transfer for the user.

Which blockchain stocks are analysts watching?

Firms like Core Scientific, Figure Technology Solutions, and Globant are frequently highlighted. These companies represent different parts of the blockchain ecosystem. Their performance is often seen as a barometer for the industry’s health.

Are these new services regulated?

Yes, services like HSBC’s tokenized deposits operate within existing banking regulations. Revolut’s offerings must also comply with financial laws in each country it operates. Regulatory oversight is a key component of their rollout.

Why are banks adopting blockchain now?

Banks are responding to client demand for faster, 24/7 payment systems. The technology has matured to a point where it is secure and scalable enough for large institutions. It also helps them compete with agile fintech companies.