Jun 24, 2026 · 27 min · 10 segments
From tokenised homes to faster, simpler customer journeys, digital assets are beginning to move beyond money - into deeds, contracts and other forms of value. So, what happens as more of what we…
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Jana MackintoshGuest
Ron van KemenadeHost
Jayne OppermanGuest
Max NorthGuest
As said in the introduction, Iona, we, we have discussed in the two previous episodes more, uh, tokenization of money, um, and all the use cases around that.
But digital assets and so- smart contracts have a, a way broader kind of application area.
When you get into the conversation about beyond just the payments, what you're really starting to talk about, um, is where the value sits, and that's with the assets.
It's the things that really matter to us, uh, like your money in your bank account, your pension, your home that you own.
Uh, and I think when you think about digitizing that, effectively what we're doing is we're putting a, a, a digital wrapper around that asset that then kind of allows a, a trusted, regulated digital record, um, that represents your rights in that asset.
Uh, and you can extend that, uh, into anything really, like art, like things that are of value to you, um, kind of in that you would want to be able to, to store and potentially in the future transfer, um, in a safe and secure manner.
Um, because when you think just about payments, really, uh, payments satisfies, um, an economic fundamental truth, which is it's necessary for economic activity, but it's not sufficient in and of itself to kind of create that value.
So you don't wake up in the morning thinking, "I'm really excited about making a CHAPS payment." You think, "I really am excited about owning my home and the value that I'm gonna get from having the rights in that home." So it's about that prize and the way that we release that value and not just the pipes that transfer that.
And, and to, to the point that you're making about value, what, what, what...
If we build on the, uh, the home that you want to own, uh, when you digitize something, you allow that record to be trusted, but you also allow that record to attach rights to it.
Uh, and the rights that you can attach to a, to a record can include, uh, identity information, uh, like KYC, that makes it easier to prove that you own that asset.
You can also attach data to that transaction, um, and that asset in the way that you kind of think about it.
So, for example, um, you can structure data and in- include all the different parties that are involved in that, so you have one record of that transaction.
But it also can include really great f- uh, functionality that we don't have today, like you can instruct the asset to do something.
Like, for example, you can only execute the transaction at a particular time, so it takes the choreography of the home buying journey, uh, and kind of make it simpler-
As said in the introduction, Iona, we, we have discussed in the two previous episodes more, uh, tokenization of money, um, and all the use cases around that.
But digital assets and so- smart contracts have a, a way broader kind of application area.
When you get into the conversation about beyond just the payments, what you're really starting to talk about, um, is where the value sits, and that's with the assets.
It's the things that really matter to us, uh, like your money in your bank account, your pension, your home that you own.
Uh, and I think when you think about digitizing that, effectively what we're doing is we're putting a, a, a digital wrapper around that asset that then kind of allows a, a trusted, regulated digital record, um, that represents your rights in that asset.
Uh, and you can extend that, uh, into anything really, like art, like things that are of value to you, um, kind of in that you would want to be able to, to store and potentially in the future transfer, um, in a safe and secure manner.
Um, because when you think just about payments, really, uh, payments satisfies, um, an economic fundamental truth, which is it's necessary for economic activity, but it's not sufficient in and of itself to kind of create that value.
So you don't wake up in the morning thinking, "I'm really excited about making a CHAPS payment." You think, "I really am excited about owning my home and the value that I'm gonna get from having the rights in that home." So it's about that prize and the way that we release that value and not just the pipes that transfer that.
And, and to, to the point that you're making about value, what, what, what...
If we build on the, uh, the home that you want to own, uh, when you digitize something, you allow that record to be trusted, but you also allow that record to attach rights to it.
Uh, and the rights that you can attach to a, to a record can include, uh, identity information, uh, like KYC, that makes it easier to prove that you own that asset.
You can also attach data to that transaction, um, and that asset in the way that you kind of think about it.
So, for example, um, you can structure data and in- include all the different parties that are involved in that, so you have one record of that transaction.
But it also can include really great f- uh, functionality that we don't have today, like you can instruct the asset to do something.
Like, for example, you can only execute the transaction at a particular time, so it takes the choreography of the home buying journey, uh, and kind of make it simpler-
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