Experts Believe That 2026 Will Be the Year of Tokenization: What Will Happen? - Crypto Economy

TL;DR

• Tokenization is moving beyond the pilot phase and into traditional finance. 2026 is shaping up as a turning point driven by the convergence of regulation, infrastructure, and real volume.
• In the U.S., the SEC will launch a sandbox for token issuance in 2026, while the CFTC has already enabled the use of tokenized collateral, and the OCC has allowed banks to intermediate crypto transactions.
• Infrastructure is already cutting settlement times from days to seconds, the market has surpassed $2.3 billion, and major banks and asset managers are moving forward with funds, stablecoins, and RWAs.

Tokenization is no longer an experiment and is starting to take on an operational role within traditional finance. After years of controlled testing, 2026 is emerging as a turning point, not because of abstract promises, but due to the convergence of regulation, infrastructure, and real transaction volume.

Clear New Regulations for Tokenization

The most significant shift on tokenization is taking place on the regulatory front in the United States. In January 2026, the SEC will launch an innovation exemption regime that will allow eligible companies to issue tokens within a supervised sandbox, with clear limits and reporting requirements**.**

The CFTC, meanwhile, has already approved pilot programs for the use of BTC, ETH, and USDC as tokenized collateral in derivatives markets. This is reinforced by confirmation from the OCC that banks are allowed to intermediate crypto transactions, an operational unlock that until recently seemed distant. The message is consistent: regulation has stopped blocking and started organizing.

Infrastructure Development and New Tools

Infrastructure has also matured significantly. In 2025, coordinated tests executed transfers of tokenized money market funds across multiple blockchains and institutional cash networks, completing full repo cycles in under one minute. The difference versus the traditional system is concrete: settlement moves from one to three days down to seconds. This frees up capital, reduces counterparty risk, and reshapes treasury management.

The tokenized asset market grew from $860 million in 2023 to more than $2.3 billion by mid-2025. Stablecoins already exceed $256 billion in market capitalization, and issuers hold more U.S. Treasuries than several developed countries. BlackRock, Robinhood, Citi, and Bank of America are already running pilots or launches tied to tokenized assets, ranging from money market funds to stablecoins.

From a technical standpoint, tokenization converts ownership rights into blockchain-based tokens, enabling fractionalization, greater liquidity, near-instant settlement, and automation through smart contracts. Equities, bonds, real estate, commodities, and private credit operate within a single framework, with traceability and programmable rules.

Future Challenges

There are still challenges to overcome. Regulatory fragmentation across jurisdictions and interoperability between networks remain sensitive points. Even so, successful pilots show these are execution issues, not questions of viability.

The difference compared to previous cycles is tangible. Today there are rules, systems in production, and verifiable institutional demand. The question is no longer whether tokenization will reach global finance, but which players will scale it first and how fast