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Tokenisation & Tokenised Deposits: From Basics to Payments
Tokenisation & Tokenised Deposits: From Basics to Payments
Understand tokens, tokenised deposits, programmable payments, settlement, and the practical impact on modern banking.
Created byPadmanabhan Nair
Last updated 11/2026
English
What you'll learn
- By the end of this course, learners will be able to: Understand tokens, ledgers, blockchain, DLT, wallets, and digital assets in simple language.
- Explain what tokenisation means and why financial institutions are exploring it. Understand what a tokenised deposit is and how it relates to a traditional ban
- Distinguish between tokenised deposits, stablecoins, and Central Bank Digital Currencies (CBDCs). Understand smart contracts and programmability without needin
- Explain the difference between programmable money and programmable payments. Connect tokenisation with payments, messaging, settlement, and reconciliation.
- Understand how shared ledgers and atomic settlement may change payment processing. Explore how tokenised deposits could be used in cross-border payments.
- Understand the importance of interoperability between traditional payment rails and new tokenised infrastructure. Recognise the potential impact of tokenisatio
- Build the confidence and vocabulary needed to continue learning about digital money and the future of payments.
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Course content
9 sections • 39 lectures • 1h 19m total length
Requirements
- No programming or blockchain-development knowledge is required. A basic understanding of banking, payments, finance, or financial technology will be helpful, but it is not essential. The course is designed to explain concepts from the ground up using familiar banking and payment examples. Most importantly, come with curiosity and a willingness to ask one simple question: What problem are we trying to solve?
Description
Tokenisation is becoming one of the most discussed topics in banking and financial services.
But discussions often begin with unfamiliar terminology:
Tokens.
Blockchain.
Distributed ledgers.
Digital wallets.
Stablecoins.
CBDCs.
Smart contracts.
Programmable money.
The terminology can make the subject appear far more complicated than it needs to be.
This course takes a different approach.
We begin with concepts that banking and payments professionals already understand: money, deposits, ledgers, payments, settlement, reconciliation, liquidity, and customer claims.
From there, we gradually introduce the newer concepts.
You will first understand what a token is, what a ledger does, and how blockchain and distributed ledger technology fit into the picture.
We then move to tokenisation itself and ask an important question:
When a bank deposit becomes tokenised, has the money changed — or has the way we represent and move that money changed?
That leads naturally into tokenised deposits, stablecoins, CBDCs, programmability, smart contracts, and digital wallets.
The course then connects these ideas with something much more familiar: payments.
We examine the traditional payment journey from customer instruction through validation, routing, messaging, settlement, and reconciliation.
From there, we explore how tokenised money and shared ledgers could influence payment processing, atomic settlement, liquidity management, and cross-border payments.
Importantly, this course does not assume that new technology automatically solves every problem.
Throughout the course we continue asking:
What problem are we trying to solve?
Tokenisation may offer new possibilities, but banks must still consider interoperability, liquidity, controls, regulation, cybersecurity, accounting, reconciliation, and operational risk.
The final sections therefore look at the practical impact on:
Banks
Customers
Operations
Technology
Treasury
Risk and Compliance
The objective of this course is not to turn you into a blockchain engineer.
It is to give you something more valuable at the beginning of your learning journey:
Understanding and confidence.
Once the language becomes familiar, the subject becomes less intimidating.
And once the subject becomes less intimidating, learning becomes much easier.
Who this course is for:
- This course is suitable for: Banking professionals who want to understand tokenisation and digital money. Payments and transaction-banking professionals. Business analysts working in banking or financial services. Banking operations professionals. Technology professionals working with banks and payment systems. Treasury and liquidity-management professionals. Risk, compliance, fraud, and financial-crime professionals. Consultants working on banking-transformation programmes. Students and professionals interested in FinTech and the future of banking. Anyone who has heard terms such as tokenisation, stablecoins, CBDCs, smart contracts, or programmable payments and wants to understand what they actually mean. This is not a cryptocurrency-trading course and does not teach blockchain programming. The focus is on banking, money, payments, settlement, and practical business applications.