Digital Assets in European Banking: What Leaders Need to Assess

European banks evaluating digital assets need to distinguish the instrument, settlement model, and governance obligations behind each use case. The talk explains how stablecoins, tokenized deposits, the digital euro, and tokenized securities differ in issuer risk, regulation, and cash-settlement design, including delivery-versus-payment and real-time settlement. It also highlights integration demands around wallets, KYC/AML, custody, fraud controls, offline payments, and interoperability with existing banking infrastructure. For technology leaders, the key decision is not whether blockchain is viable, but whether asset, cash, and governance models can deliver legal finality and operational control.