Banks Move Toward 24/7 On-Chain Finance as Franklin Templeton and SWIFT Outline Blockchain Future

TOKEN-3,17%
  • Finance is moving to 24/7 on-chain money
  • Clear rules and security will decide how fast it happens.

Speaking at the Consensus Hong Kong 2026, top executives from the traditional finance and crypto firms said that the future of banking will run 24/7 with assets issued directly on blockchain. Their message was clear that the financial system could soon be working continuously without shutting down

Franklin Templeton said that it will be focusing on the money market funds in the blockchain infrastructure. By putting funds on the blockchain, they can allow the investors to buy or sell anytime, which also reduces the paperwork and admin costs. An executive explained that taking the existing financial products and making them cheaper and easier using blockchain

From the Swift side, it is working on ways banks can turn normal account balances into the digital token. Their goal is to expedite the settlements and have no cutoff times. Executives say that payments in Swift are quick, but they want instant availability at any time.

Traditional Finance Moves Toward 24/7 On-Chain

Despite the rapid growth in tokenized finance, it is relatively small when compared to the traditional markets. While there are a billion dollars in the stablecoin and a billion in the tokenized securities, this is very much minor compared with the trillions managed across the global banking system. So executives called it an early infrastructure

Two barriers, such as regulations and security, are repeatedly coming up in the discussions. Banks and institutions need clear rules about accounting and compliance. Crypto requires managing the private keys. For institutions, managing the private keys and ensuring access control should meet the enterprise standards for broader adoption

Speakers believe that the future will be hybrid, with some of the services becoming decentralized and some remaining intermediate. The tone of the conversation shows a clear sign that big finance wants blockchain to run 24/7 with more security

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