Meaning and Use of Tokenization

Tokenized structured notes are financial instruments whose value depends on the performance of an underlying asset or index. DBS will make these products accessible to accredited and institutional investors.

Each tokenized note represents a tradable $1,000 portion of the original security, allowing investors to manage their portfolios with greater flexibility.

Partnerships and Platforms

DBS will distribute the tokenized notes through ADDX, DigiFT, and HydraX platforms. These collaborations enable investors to securely and transparently access the products via the Ethereum blockchain.

The first tokenized product will be crypto-linked structured notes designed to provide cash payouts when cryptocurrency prices rise. Additionally, they are structured to mitigate potential losses in case of price declines. DBS plans to tokenize equity-linked and credit-linked notes in the future as well.

Singapore’s Financial Position and Impact

Li Zhen, Head of FX and Digital Markets at DBS, commented:

“Asset tokenization is the next frontier for financial market infrastructure. Our first tokenized product addresses the growing institutional appetite for digital assets.”

Singapore has become an attractive hub for asset management, hosting over 2,000 single-family offices. DBS reported that in the first half of 2025, it executed over $1 billion in transactions through crypto-linked structured notes.

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DBS Bank partnered with Enterprise Singapore (ESG), a government agency under the Ministry of Trade and Industry in Singapore, and the Singapore Fintech Alliance (SFA), which promotes financial technology in the country, on the pilot.

DBS Bank Aims to Distribution of Government Grants Using Smart Contracts

During the pilot, SFA distributed government grants to 27 members. DBS said blockchain-based programmable grants could increase efficiency, improve governance and enable businesses to access government grants faster.

With DBS’s permissioned blockchain, intermediaries such as ESG and SFA can set the terms of programs and manage the distribution of grants. According to DBS, this process involves grants being given to approved recipients if certain business conditions are met.

Once the conditions are met, smart contracts verify that these conditions have been met. After this process, the grants are automatically distributed to the beneficiaries.

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This solution increases management control while reducing the need for manual cash transactions by intermediaries. This allows businesses to receive cash payments from the government much faster.

In addition, the bank’s permissioned blockchain provides full visibility into the process, providing greater transparency to the organizations involved.

Learnings from MAS’ Project Orchid Initiative

DBS Bank said that the programmable grants pilot applies the bank’s learnings from MAS-led Project Orchid. The digital currency initiative is testing the benefits of tokenization with local stakeholders.

DBS has also collaborated with digital payment provider Ant International on a blockchain-based treasury and liquidity management solution. On August 13, DBS launched treasury tokens, which Ant will use for liquidity and treasury management. These tokens are hosted on the bank’s Ethereum Virtual Machine (EVM) permissioned blockchain.

This solution was built using systems developed by the bank at Project Guardian, another digital currency initiative led by MAS.

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