Blockchain Technology Use Cases

This is big news. Tokenization is fast becoming the next battleground for financial infrastructure. Goldman Sachs and BNY Mellon just made one of the boldest moves yet. Tokenization transforms real-world assets into digital tokens - unique, programmable representations of value that can be transferred, tracked, and embedded into automated financial workflows. Goldman Sachs and BNY Mellon are turning traditional money-market funds (MMF) into digital tokens. These funds - a $7.1 trillion global market managed by firms like BlackRock, Fidelity, and Federated Hermes - are commonly used by companies and asset managers to hold short-term cash in safe, interest-earning instruments like Treasury bills and commercial paper. But behind the scenes, they still run on decades-old infrastructure, full of manual steps, cut-off times, and delayed settlements. Tokenization changes that. 𝗛𝗼𝘄? By bringing the same speed, transparency, and automation we expect from modern payments and applying it to financial instruments that haven’t evolved in decades. ·      Instant settlement: Instead of waiting hours (or days) for trades to clear, tokenized assets can settle almost instantly - 24/7, without cut-off times. ·      Programmability: Rules and logic (e.g., eligibility checks, compliance constraints) can be embedded directly into the token - reducing manual oversight. ·      Fractional ownership: Investors can hold smaller, more flexible portions of a fund, which is hard to do in traditional structures. ·      Real-time tracking: Every transfer or ownership change is recorded transparently on a blockchain, improving auditability and risk management. ·      Easier collateralization: Tokenized fund shares can be pledged as collateral or moved between counterparties far more efficiently - a big advantage in treasury and liquidity management. 𝗛𝗼𝘄 𝘁𝗵𝗲 𝗽𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽 𝘄𝗶𝗹𝗹 𝘄𝗼𝗿𝗸: ·      BNY Mellon will distribute tokenized money-market funds to institutional clients via LiquidityDirect - its cash management platform that helps treasurers and asset managers invest short-term liquidity. ·      Goldman Sachs will record and track ownership of the fund tokens on its private blockchain, providing speed, traceability, and operational efficiency. ·      The offering will support tokenized versions of funds managed by major players like BlackRock, Fidelity, and Federated Hermes. 𝗪𝗵𝘆 𝗻𝗼𝘄? The new U.S. Genius Act gives legal clarity for stablecoins and tokenized assets -removing regulatory uncertainty and unlocking tokenization across mainstream finance. 𝗪𝗵𝗮𝘁’𝘀 𝗻𝗲𝘅𝘁? This could reshape expectations around liquidity, treasury operations, and how financial assets are managed and settled. Custodians and asset managers will need to adapt. Tokenized Treasuries, equities, and real estate are already being tested. Opinions: my own, Graphic source: CNBC 𝐒𝐮𝐛𝐬𝐜𝐫𝐢𝐛𝐞 𝐭𝐨 𝐦𝐲 𝐧𝐞𝐰𝐬𝐥𝐞𝐭𝐭𝐞𝐫: https://lnkd.in/dkqhnxdg

📚🔥New report!! Blockchain - a potential game changer in education Blockchain is a shared, #decentralized and secure ledger #technology to record and store digital transactions of almost any digital assets including digital identities, medical and educational records, birth and marriage certificates, skill #credentials and digital contracts. Promising initiatives with blockchain demonstrate that it is already possible to deploy the technology to cover credentialing and certification in both formal and non-formal learning settings. This report demonstrates and assesses the emerging practices of applying blockchain technologies in education. Primarily targeting policy-makers, the publication is divided into four parts: • Part 1 engages with a set of essential #knowledge on blockchain technologies presented as questions and answers. • Part 2 focuses on issues related to the emerging practices associated with the use of blockchain within an education context, highlighting the use of blockchain for digital certificates, credentials, intellectual data #management, smart contracts and performance-based payments. • Part 3 explores the applicability of the technology in a set of use case scenarios, including the notarization of #intellectualproperty rights and educational funding. • Part 4 iterates the humanistic principles to steer the use of blockchain in education to safeguard #humanrights, inclusion, equality, gender equality and the #sustainability of the environment and ecosystems. This publication also sheds light on the implications of blockchain technologies for gender equality while drawing attention to the negative impact of the use of blockchain, especially on the #environment and ecosystems. Alfredo Muñoz García Joaquim Matinero Tor Javier Molina Jordà José Luis Casal Francisca Alcaide Soler IE Business School Escuela de Práctica Jurídica de la UCM IEB CEU Educational Group

The future of blockchain lies in scalability, where smart contracts can become the backbone of major industries like finance, insurance, logistics, gaming, and more. This article discusses how zk-rollups could be the key to unlocking the full potential of blockchain technology, making it scalable, efficient, and accessible to all. Zk-rollups, or zero-knowledge roll-ups, can enable the execution of smart contracts off-chain while providing a cryptographic proof (zero-knowledge proof) on-chain to validate the correctness of the computations. This solution enhances scalability and reduces the computational load of the blockchain. While zk-rollups might be the key to blockchain's mass adoption, it's crucial to address the accompanying legal challenges. We need a solution that scales the technology but also considers regulatory compliance, particularly in finance and insurance, and navigates cross-border data privacy issues. The enforceability of smart contracts, AML/KYC compliance, dispute resolution, intellectual property, data sovereignty, and liability concerns must all be factored into the equation. What do you think, what legal considerations are most critical for the future of zk-rollups? #blockchain #smartcontracts #techlaw #innovation https://lnkd.in/duax5Evi

𝐓𝐡𝐞 𝐒𝐭𝐚𝐭𝐞 𝐨𝐟 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧𝐬 𝐢𝐧 𝐂𝐫𝐨𝐬𝐬-𝐁𝐨𝐫𝐝𝐞𝐫 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 — the infrastructure 👇 For decades, cross-border payments ran on correspondent banking: slow settlement, layered intermediaries, opaque pricing. "Stablecoins are changing the rails, not the money." — FXC Intelligence, stablecoins still represent <1% of global cross-border volume, yet already unlock a $16.5T–$23.7T TAM. — 𝐓𝐡𝐞 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 𝐓𝐞𝐜𝐡 𝐒𝐭𝐚𝐜𝐤: Stablecoin payments are not “just tokens” — they rely on a full stack: → 𝐀𝐩𝐩𝐥𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐥𝐚𝐲𝐞𝐫 Payment apps, payout tools, treasury dashboards → 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲, 𝐦𝐨𝐧𝐢𝐭𝐨𝐫𝐢𝐧𝐠 & 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞 KYC, AML, sanctions — increasingly identical to TradFi → 𝐅𝐗, 𝐨𝐧-𝐫𝐚𝐦𝐩 & 𝐨𝐟𝐟-𝐫𝐚𝐦𝐩 𝐥𝐚𝐲𝐞𝐫 Liquidity providers converting local fiat ↔ stablecoins → 𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 & 𝐜𝐮𝐬𝐭𝐨𝐝𝐲 𝐥𝐚𝐲𝐞𝐫 This is becoming critical infrastructure. Platforms like Dfns enable enterprises to securely manage programmable wallets, policy controls, and large transaction volumes. → 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧 𝐥𝐚𝐲𝐞𝐫 The settlement rails — Ethereum, Solana, Base, Tron — where value actually moves. — 𝐓𝐡𝐞 “𝐒𝐭𝐚𝐛𝐥𝐞𝐜𝐨𝐢𝐧 𝐒𝐚𝐧𝐝𝐰𝐢𝐜𝐡” 𝐢𝐧 𝐏𝐫𝐚𝐜𝐭𝐢𝐜𝐞 Instead of routing through chains of correspondent banks: → Sender pays in fiat → On-ramp converts fiat to USDC/USDT → Stablecoin settles globally in minutes → Off-ramp converts to local currency → Recipient receives funds faster, cheaper, and with full traceability In many cases, the last step disappears entirely. Recipients keep and use the stablecoin directly — the “open sandwich” model now powering payroll, merchant settlement, treasury ops, and crypto-native commerce. — 𝐓𝐡𝐞 𝐒𝐜𝐚𝐥𝐞 𝐢𝐬 𝐀𝐥𝐫𝐞𝐚𝐝𝐲 𝐑𝐞𝐚𝐥 → $5.7T stablecoin transaction volume in 2024 → $4.6T already processed in H1 2025 → Over 80% of supply concentrated in USDT & USDC → B2B dominates the opportunity (up to $18.8T TAM) This isn’t hype — it’s live volume. — 𝐊𝐞𝐲 𝐏𝐥𝐚𝐲𝐞𝐫𝐬 𝐭𝐨 𝐅𝐨𝐥𝐥𝐨𝐰: → 𝐂𝐮𝐬𝐭𝐨𝐝𝐲 & 𝐖𝐚𝐥𝐥𝐞𝐭 𝐈𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞: Dfns, BitGo, Fireblocks → 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 & 𝐓𝐫𝐞𝐚𝐬𝐮𝐫𝐲 𝐏𝐥𝐚𝐭𝐟𝐨𝐫𝐦𝐬: BVNK, Conduit, Orbital, Mural Pay → 𝐍𝐞𝐰 𝐌𝐨𝐝𝐞𝐥𝐬: Breeze, redefining the Merchant-of-Record with programmable, blockchain-native settlement → 𝐈𝐬𝐬𝐮𝐞𝐫𝐬 & 𝐋𝐢𝐪𝐮𝐢𝐝𝐢𝐭𝐲: Circle (USDC), Tether.io (USDT) → 𝐍𝐞𝐱𝐭-𝐠𝐞𝐧 𝐑𝐚𝐢𝐥𝐬: Plasma, purpose-built for stablecoin payments and high-throughput settlement Each layer matters. No single player replaces the system — together, they upgrade it. ↳ 🚨 Banks are becoming wallet providers. 🚨 Settlement is moving from days to minutes. 🚨 Money is becoming programmable. Stablecoins are emerging as a new global liquidity layer, embedded inside the financial system. — Source: FXC Intelligence ► 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 : https://lnkd.in/g5cDhnjC ► Connecting the dots in Payments... | Marcel van Oost

During my recent visit to the Bank for International Settlements – BIS Innovation Hub Tour in Zurich, I had the chance to meet David Chaum, the grandfather of cryptocurrencies, and an advisor to my friend’s Melanie Mohr startup, PWR Labs. The insightful interaction occurred amidst a deep dive into the transformative projects aimed at reshaping the financial landscape. Project Nexus aims to streamline global commerce by creating a multi-national real-time payment network which the Reserve Bank of India (RBI) also joined recently. Project mBridge utilizes CBDCs to tackle inefficiencies in cross-border foreign exchange payments. By developing a robust multi-jurisdictional ledger, it ensures faster, secure, and cost-effective transactions, highlighting the practical applications of digital currencies in enhancing financial connectivity. Project Aurora leverages blockchain technology alongside artificial intelligence and machine learning to strengthen anti-money laundering initiatives. This integration enhances data privacy and cross-institutional collaboration, improving detection capabilities across borders. Project Agora involves working with central banks and private sector financial institutions to innovate settlement processes through wholesale tokenized assets and smart contracts. A month ago, I critiqued the concept of the 'Finternet' (https://lnkd.in/g4eVKqYw). At the time, I pondered whether this was a genuine breakthrough or a rehashing of ideas already explored by Ethereum, which has been a pioneer in programmable blockchain technology. Ethereum's framework has paved the way for tokenized assets, smart contracts, unified ledgers, and decentralized finance (DeFi), all of which are elements of the Finternet vision. Engaging with the BIS Innovation Hub has reshaped my view: their projects skillfully integrate cutting-edge blockchain technologies into traditional financial frameworks, not merely repackaging old ideas but weaving them into the global finance fabric. The focus now shifts towards enhancing interoperability across systems, with open blockchains and foundations like Ethereum increasingly playing a crucial role. This synergy promises a future where financial systems are not just connected but are universally innovative and efficient. Stay tuned for more insights from the The Proof Of Work Podcast Europe IRL Tour in the coming days. Thanks to Maha Al-Saadi for the snapshot setting the stage for our next tour in Qatar. 😁 🤝

Blockchain in business proves effective when it is used to solve real problems, guided by the strength of widely adopted networks, leveraging public chains, enabling smart contracts for value creation, and fostering collaboration across firms. When I look at how blockchain is being adopted, I see that success depends less on the technology itself and more on the way it is applied. The companies that benefit most are those that focus on solving clear challenges rather than migrating existing processes that already work. Data shows that public blockchains create a more open playing field, where participation is encouraged and value is generated through shared trust. Smart contracts and tokenization are not abstract concepts but mechanisms that simplify complex operations and ensure consistency across transactions. Their integration marks a real shift in how business logic can be automated and made reliable. Equally important is the capacity to connect multiple external parties through a common infrastructure, as value grows when collaboration extends beyond the borders of a single organization. Reflecting on these dynamics, the question is how leaders will balance innovation with practicality, ensuring that blockchain is adopted with clarity of purpose rather than as a mere trend. #Blockchain #BusinessTransformation #SmartContracts

𝟯 𝗮𝗽𝗽𝗿𝗼𝗮𝗰𝗵𝗲𝘀 𝘁𝗼 𝗯𝗹𝗼𝗰𝗸𝗰𝗵𝗮𝗶𝗻 𝗰𝗼𝗻𝗻𝗲𝗰𝘁𝗶𝘃𝗶𝘁𝘆 𝗮𝗻𝗱 𝗶𝗻𝘁𝗲𝗿𝗼𝗽𝗲𝗿𝗮𝗯𝗶𝗹𝗶𝘁𝘆 Interoperability was a big topic years back - I always personally felt interoperability was nice to 𝙩𝙖𝙡𝙠 about, but we were too early to 𝙙𝙤 anything meaningful beyond talk. Now seems to be a better time considering relative tech maturity (natural convergence of design approaches and less major changes) and actual live usage. Interoperability is the topic for a few different roundtables I’ll be on next week, and here’s a preview of the notes I prepared: If we split a typical blockchain dApp down to the 3 components of Blockchain, Smart Contracts and Gateway, we also end up with 3 general approaches to connectivity: 1️⃣ APIs / Gateway to Gateway (aka App to App) - This is similar to how we typically link up applications with APIs. It’s simple and it’s familiar, but it doesn’t actually maximize the benefits of the underlying blockchain technology. Since many enterprise usage still has 1 app or 1 set of smart contracts on 1 blockchain, there isn’t much additional value to maximize anyway. Because it’s good enough and it works, much of our connectivity with other platforms are built as such today. 📈 With a trend towards multiple applications on 1 blockchain (which is the sensible thing to do), the other 2 models become a lot more important. Imagine 100 apps / smart contracts each on 2 blockchains. You can now have those 100 apps on the same blockchain interacting seamlessly and directly with each other, and you can also have more efficient means of connecting those 100 apps with the other 100. 2️⃣ Bridges / Platform to Platform - 100 apps interconnecting with 100 apps on an app-to-app level means 4,950 pairs of connections. Platform-to-platform level connectivity simplifies that to just 1 bridge. Bridges on public blockchains don’t have a good reputation for security and governance reasons. But they might work well for enterprise blockchains where the parameters are different. We never explored that much for the reasons above, but I think a good time now to advance that further. 3️⃣ Composability / Smart contracts to Smart contracts on a common platform is where I find most interesting. Sure, we might not have the scalability for 10,000 apps and all the banks in the world today. But this represents a truly different and better solution to the siloed systems we have today - applications that can interact seamlessly with each other. A single point of connectivity for users that open up to a whole universe of apps. It's an ideal, it's a vision - we might never get there, but even a few steps in that direction will be a win. And wins tend to snowball with a virtuous cycle of investments and improvements. (This is one perspective where we explore only 1:1 connectivity. There’s also the perspective of using some forms of hubs for N:1:N for platform-level connectivity, giving a network of networks.)

How Blockchain is Redefining Trust in Digital Transactions When I founded Devsinc over a decade ago, I could hardly imagine the transformative impact blockchain would have on our digital landscape. Today, as we navigate 2025, blockchain has evolved from a buzzword to the backbone of trust in our increasingly digital economy. I remember meeting a young developer in Lahore back in 2018 who insisted blockchain would change everything. I was skeptical then—but he was right. By Q1 2025, blockchain-powered solutions have achieved 67% market penetration across financial services, up from just 23% in 2022. The technology that once powered only cryptocurrency now secures everything from medical records to voting systems. What makes this revolution profound isn't just the technology—it's the paradigm shift in how we conceptualize trust. Traditional digital transactions rely on centralized authorities: banks, governments, major corporations. We trust these intermediaries with our data, our money, our identity. But as data breaches continued surging—reaching an alarming 32% increase in early 2025 compared to 2024—this model proved increasingly vulnerable. Blockchain offers something radically different: mathematical certainty over institutional authority. At Devsinc, we've witnessed this transformation firsthand while developing decentralized solutions for clients across four continents. One project particularly moves me—a blockchain-based property registry in a Southeast Asian country where land disputes had paralyzed development for generations. Within 18 months of implementation, property disputes decreased by 41%, and foreign investment increased by 28%. The distributed ledger isn't merely a database—it's a trust mechanism that eliminates single points of failure while creating immutable records. For graduating IT professionals entering this field, understand this: blockchain development isn't just coding—it's reshaping fundamental social contracts. The World Economic Forum projects 25% of global GDP will be blockchain-based by 2027, creating over 40 million new specialized technology roles. For my fellow executives, the message is clear: blockchain adoption is no longer optional. Companies leveraging blockchain solutions reported 22% higher customer retention rates in recent studies—trust has become quantifiable. The future belongs to those who can reimagine trust in digital form. Are you ready to build it?

Blockchain is changing industries in ways we didn’t expect. We often hear about blockchain when it comes to finance, but its impact goes much further. Here's a look at how it's shaking things up in different areas: Supply Chain Management: Blockchain is improving transparency and tracking. Take IBM's Food Trust network, for example—it lets consumers see where their food comes from, all the way from the farm to their plate. Healthcare: Blockchain helps keep patient records safe and makes it easy for healthcare providers to share info. MedRec Technologies, for instance, uses it to manage electronic medical records, ensuring privacy and accuracy. Voting Systems: With blockchain, we can build voting systems that are harder to tamper with. Voatz, for example, tested blockchain-based voting in U.S. elections, letting military members vote securely via their phones. Music Industry: Artists can keep control and get paid fairly. Platforms like Ujo Music let musicians publish and sell their music directly, without middlemen. Real Estate: Blockchain is making property transactions smoother and more transparent. Propy Inc., for example, helps with international real estate deals, simplifying buying and selling. Gaming: Players can truly own their in-game items. Decentraland, a virtual world, lets users buy and sell virtual property through blockchain. Intellectual Property: Blockchain securely records patents, trademarks, and copyrights, making it harder for anyone to steal them. Insurance: Blockchain is speeding up claims and policy management. Etherisc is working on decentralized insurance systems that help with quicker payouts. Education: Blockchain makes it easier to verify diplomas and certifications, cutting down on fraud. MIT Media Lab is looking at how blockchain could verify academic credentials. Charity and Philanthropy: Blockchain brings transparency to donations. The BitGive® (acquired by Heifer) Foundation, for instance, shows exactly how donations are used. Blockchain isn't just changing finance—it’s transforming industries, making systems more efficient, transparent, and trustworthy across the board.

🔵 The Real World Asset Tokenization Boom: $35.8B and Accelerating 🚀 While Stablecoin surging c. 50% YoY to ~$300B continues to dominate 2025 headlines, Real World Assets (which include tokenized money market funds) more than doubled to $35.8B (↑125% YoY). Together, they represent over $335B in tokenized `assets`—and the how and where reveals the real story about institutional blockchain adoption. 📍𝐂𝐚𝐭𝐞𝐠𝐨𝐫𝐲 𝐆𝐫𝐨𝐰𝐭𝐡 𝐓𝐞𝐥𝐥𝐬 𝐚 𝐌𝐚𝐭𝐮𝐫𝐚𝐭𝐢𝐨𝐧 𝐒𝐭𝐨𝐫𝐲: • Private Credit: +91% to $18.8B (still 52.5% of market)  • US Treasury Debt: +126% to $9.2B (MMFs proving product-market fit)  • Commodities: +194% to $3.1B (tokenization beyond financial instruments)  • Institutional Alternative Funds: +672% to $2.7B (sophisticated capital entering the tokenization space) What's changed in 2025? The top 3 categories dropped from 93.9% to 86.7% of total RWA market share. This is diversification into a maturing asset class infrastructure. 📍 𝐓𝐡𝐞 𝐓𝐚𝐥𝐞 𝐨𝐟 𝐓𝐰𝐨 𝐀𝐫𝐜𝐡𝐢𝐭𝐞𝐜𝐭𝐮𝐫𝐞𝐬: The network data from RWA.xyz reveals a critical distinction in how institutions are approaching tokenization: 𝐑𝐞𝐩𝐫𝐞𝐬𝐞𝐧𝐭𝐞𝐝 𝐑𝐖𝐀𝐬 (𝐮𝐬𝐢𝐧𝐠 𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧𝐬 𝐨𝐧𝐥𝐲 𝐟𝐨𝐫 𝐑𝐞𝐜𝐨𝐫𝐝-𝐊𝐞𝐞𝐩𝐢𝐧𝐠):  • Canton Network: $372.7B across 8,460 assets (95.2% market share)  • Provenance: $13.9B (the Figure Technologies Blockchain – 3.56% market share) • Purpose: Immutable records, legacy custody systems 𝐃𝐢𝐬𝐭𝐫𝐢𝐛𝐮𝐭𝐞𝐝 𝐑𝐖𝐀𝐬 (𝐁𝐥𝐨𝐜𝐤𝐜𝐡𝐚𝐢𝐧𝐬 𝐟𝐨𝐫 𝐅𝐮𝐥𝐥 𝐎𝐧-𝐂𝐡𝐚𝐢𝐧 𝐌𝐚𝐧𝐚𝐠𝐞𝐦𝐞𝐧𝐭):  • Ethereum: $11.8B across 303 assets (64.2% market share)  • BNB Chain: $1.6B (↑99.56% in 30 days! – 8.53% market share)  • Solana: $757M across 88 assets (4.14% market share) Purpose: Transfer, custody, programmability, composability 📌 𝐖𝐡𝐲 𝐓𝐡𝐢𝐬 𝐌𝐚𝐭𝐭𝐞𝐫𝐬: Stablecoins proved crypto-native payment rails work at scale. Now RWAs are proving the same for yield-bearing assets, lending, and complex financial instruments. Canton's dominance shows institutions are comfortable with blockchain as a "source of truth" layer. But Ethereum's leadership in distributed RWAs—where assets are actually transferable and composable on-chain—signals where the real transformation is happening. We're watching two parallel infrastructures emerge: one for institutional record-keeping at scale, another for genuinely programmable, liquid, interoperable assets. The 672% growth in Institutional Alternative Funds and BNB Chain's near-doubling in 30 days suggests the distributed model is reaching an inflection point. If stablecoins were 2025's proof of concept, RWAs are 2026's infrastructure play. Together, they're rewriting the rails of global finance especially at the institutional level. What's your take? Is blockchain adoption settling into incremental record-keeping upgrades, or are we witnessing the early stages of a deep capital markets transformation that will take off in 2026? #RWA #Tokenization #Blockchain