Over 80% of financial companies are using or testing blockchain to process transactions.
DeFi platforms allow lending, borrowing, and trading without traditional banks.
Real-world assets like real estate and gold are being turned into digital tokens for easier investment.
Digital money is no longer limited to card swipes or internet banking. New digital asset platforms are reshaping how money functions. These platforms are being adopted not only for buying cryptocurrencies like Bitcoin or trading digital tokens but also by major banks, corporations, and even governments to make transactions faster, more cost-effective, and more transparent.
Blockchain is the main technology behind most digital asset platforms. It works like an online notebook that records every transaction and keeps it safe. Earlier, people mostly used it for cryptocurrencies like Bitcoin and Ethereum. But now, banks and financial companies are using it to handle their own work.
More than 80 percent of financial companies across the world are either using or testing blockchain. JPMorgan has already used blockchain to carry out a one billion dollar deal between banks. In total, more than 1.7 trillion dollars was moved using blockchain in the last year. This number keeps growing every year.
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Decentralized finance, or DeFi, is a system where people can lend, borrow, save, or trade money without needing a bank. Everything happens using computer programs called smart contracts. These programs operate independently and do not require human management.
By the end of 2025, DeFi platforms had more than 75 billion dollars locked in them. Many people worldwide use DeFi for its freedom over money. Some also use it in online games and NFTs to earn extra money or get rewards.
Tokenization is a process where things like buildings, gold, or shares are turned into digital tokens. These tokens can be bought or sold online. This means people can invest in expensive things by just buying a small part.
The total market for tokenized assets is expected to reach around 2 trillion dollars by 2028. In 2025 alone, tokenized US government funds increased by 80% and reached $ 7.4 billion. Companies like Goldman Sachs and Deutsche Börse have already started testing how to use tokenization for their products.
Also Read: How Blockchain is Transforming Capital Markets and Finance Today?
As digital finance becomes more common, new rules are being made to keep it safe. In Europe, a law called MiCA has been passed. It ensures that crypto companies adhere to similar regulations to those of regular banks. In the United States, a new plan called Project Crypto was launched to support apps that offer services like crypto trading, lending, and digital payments in one place.
Hong Kong has introduced a new rule requiring people who use stablecoins to show their identity. Some experts believe this could reduce the use of these coins or make people shift to unregulated platforms.
Digital asset platforms help people save, send, and invest money without needing a traditional bank. Money moves faster, and transaction costs are lower. Many people are using these platforms to send money to family members in other countries or to earn extra income.
But not everything is perfect. Some platforms have been hacked. Others have technical problems. There are also scams. Since the rules are still changing in many places, some users are unsure which platforms are safe.
The financial system is undergoing a transformation driven by technology. Digital asset platforms are expanding financial options and promoting greater transparency. Banks, businesses, and government institutions are closely monitoring these developments. As security improves and regulatory frameworks become clearer, these platforms could become the standard for handling money in the future.