Quant said July 15 that banks exploring tokenised deposits and DLT-based funds transfer must first decide where the fiat backing tokens sits and which ledger is authoritative for customer positions. The firm frames that choice as foundational, making architecture selection the real starting point for tokenised-payment programmes.
Quant said its work operating infrastructure behind Great British Tokenised Deposits has tested two live account models with participating UK banks. The mirror model keeps core banking as the source of truth with a synchronised 1:1 token, while the omnibus model uses a pooled reserve and makes the token ledger authoritative, meaning use case determines whether reconciliation familiarity or retail-scale efficiency matters more.
The next issue is integration. Quant argues that banks working across multiple ledgers need a layer connecting core banking, DLT networks, regulatory services and enterprise platforms. The practical follow-up is whether institutions can turn account-model design into auditable production systems, because legacy-to-DLT orchestration now carries the burden of execution.
Source: Quant.
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