{"id":201120,"date":"2026-09-23T01:31:25","date_gmt":"2026-09-23T05:31:25","guid":{"rendered":"https:\/\/innowise.com\/?page_id=201120"},"modified":"2026-09-23T01:32:35","modified_gmt":"2026-09-23T05:32:35","slug":"osfi-tokenized-deposits","status":"publish","type":"page","link":"https:\/\/innowise.com\/nl\/expert-tips\/osfi-tokenized-deposits\/","title":{"rendered":"De Canadese toezichthouder heeft zojuist bevestigd waarom banken als eerste overgaan op tokenisatie"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"201120\" class=\"elementor elementor-201120\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c5f4f1 e-flex e-con-boxed e-con e-parent\" data-id=\"0c5f4f1\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-47eea2e e-flex e-con-boxed e-con e-child\" data-id=\"47eea2e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-291228a e-con-full e-flex e-con e-child\" data-id=\"291228a\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e12e43d e-con-full e-flex e-con e-child\" data-id=\"e12e43d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6216e9 elementor-widget-tablet__width-inherit hero-title elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b6216e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Canada's regulator just confirmed why banks tokenize first<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f8bad32 e-con-full e-flex e-con e-child\" data-id=\"f8bad32\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b7a0f7d e-con-full e-flex e-con e-child\" data-id=\"b7a0f7d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1b4d96 icon-mob elementor-widget elementor-widget-image\" data-id=\"d1b4d96\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/04\/Icon_mob.svg\" class=\"attachment-large size-large wp-image-196144\" alt=\"Calendar icon.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f975ce elementor-widget elementor-widget-text-editor\" data-id=\"1f975ce\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sep 23, 2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-507767e e-con-full e-flex e-con e-child\" data-id=\"507767e\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cee703b icon-mob elementor-widget elementor-widget-image\" data-id=\"cee703b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/04\/Icon_mob-1.svg\" class=\"attachment-large size-large wp-image-196145\" alt=\"Time icon.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9496535 elementor-widget elementor-widget-text-editor\" data-id=\"9496535\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>6 min read<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1eadb9d e-con-full e-flex e-con e-child\" data-id=\"1eadb9d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa603f8 elementor-widget elementor-widget-image\" data-id=\"fa603f8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"440\" height=\"280\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/09\/osfi-tokenized-despoists.png\" class=\"attachment-large size-large wp-image-201121\" alt=\"Canada&apos;s regulator just confirmed why banks tokenize first\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/09\/osfi-tokenized-despoists.png 440w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/09\/osfi-tokenized-despoists-300x191.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2026\/09\/osfi-tokenized-despoists-18x12.png 18w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3c0099 elementor-widget elementor-widget-shortcode\" data-id=\"e3c0099\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[summarize_button_ai title=\"Summarize with AI\"]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c8ebd1 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0c8ebd1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">On September 10, 2026, Canada&#8217;s Office of the Superintendent of Financial Institutions (OSFI) said that\u00a0<\/span><a href=\"https:\/\/www.osfi-bsif.gc.ca\/en\/news\/statement-tokenized-other-digitally-represented-deposits\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">tokenized deposits are not legally distinct from traditional deposits<\/span><\/a><span style=\"font-weight: 400;\">. The technology used to build or deliver a product doesn\u2019t decide its legal nature. What matters is what the product is.<\/span><\/p><p><span style=\"font-weight: 400;\">Most of the coverage read this as a crypto story. I would read it as a story about technology neutrality, and as the clearest confirmation so far of an argument I made back in March in <\/span><a href=\"https:\/\/andrewnalichaev.com\/articles\/banks-will-tokenize-first\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Banks Will Tokenize First<\/span><\/a><span style=\"font-weight: 400;\">: banks will tokenize financial instruments at scale before startups do, because they don\u2019t need new permission to do it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbe8056 e-con-full e-flex e-con e-child\" data-id=\"cbe8056\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a83755 elementor-widget elementor-widget-shortcode\" data-id=\"8a83755\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n\n    <div class=\"expert_card-container\">\n        <div class=\"expert_card-top\">\n            <div class=\"expert_card-top-img\">\n                                    <img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/03\/Andrew-Nalichaev-1.png\" alt=\"Andrew Nalichaev, Blockchain and DeFi Expert..\">\n                                                <a href=\"https:\/\/www.linkedin.com\/in\/andrei-nalichaev\/\" class=\"expert_card-top-img-link\" target=\"_blank\" rel=\"noopener noreferrer\">\n                    <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\">\n                        <rect width=\"40\" height=\"40\" rx=\"20\" fill=\"#E8E8E8\"\/>\n                        <path d=\"M10.0002 12.8001C10.0002 11.4802 10.0002 10.8202 10.4102 10.4102C10.8203 10.0001 11.4802 10.0001 12.8002 10.0001H27.2002C28.5201 10.0001 29.1801 10.0001 29.5901 10.4102C30.0002 10.8202 30.0002 11.4802 30.0002 12.8001V27.2001C30.0002 28.52 30.0002 29.18 29.5901 29.5901C29.1801 30.0001 28.5201 30.0001 27.2002 30.0001H12.8002C11.4802 30.0001 10.8203 30.0001 10.4102 29.5901C10.0002 29.18 10.0002 28.52 10.0002 27.2001V12.8001Z\" fill=\"white\"\/>\n                        <path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M28.6112 10C29.3782 10 30.0001 10.6218 30.0001 11.3889V28.6111C30.0001 29.3782 29.3782 30 28.6112 30H11.3889C10.6219 30 10.0001 29.3782 10.0001 28.6111V11.3889C10.0001 10.6218 10.6219 10 11.3889 10H28.6112ZM13.0591 26.9444H15.9842V17.5H13.0591V26.9444ZM23.507 17.2114C21.5029 17.2114 20.6595 18.7722 20.6595 18.7722V17.5H17.8543V26.9444H20.6595V21.9868C20.6595 20.6584 21.2709 19.868 22.4412 19.8679C23.5171 19.8679 24.0338 20.6275 24.0338 21.9868V26.9444H26.9445V20.9649C26.9445 18.4349 25.5103 17.2114 23.507 17.2114ZM14.5077 12.7778C13.5522 12.7778 12.7778 13.5583 12.7778 14.5207C12.7779 15.483 13.5522 16.2633 14.5077 16.2633C15.4631 16.2632 16.237 15.483 16.237 14.5207C16.237 13.5583 15.4632 12.7778 14.5077 12.7778Z\" fill=\"#2867B2\"\/>\n                    <\/svg>\n                <\/a>\n                            <\/div>\n            <div class=\"expert_card-top-right\">\n                <div class=\"expert_card-top-name\">\n                    By <a href=\"https:\/\/innowise.com\/nl\/authors\/andrew-nalichaev\/\">Andrew Nalichaev<\/a>\n                <\/div>\n                                <div class=\"expert_card-top-position\">\n                    Blockchain Expert &amp; DeFi Analyst                <\/div>\n                                <div class=\"expert_card-top-right-bottom desc\">\n                    <div class=\"expert_card-top-ver\">\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M17.486 9.00039L15.6037 6.8481L15.866 4.00153L13.0811 3.36896L11.6231 0.900391L9.00024 2.02668L6.37738 0.900391L4.91938 3.36125L2.13453 3.9861L2.39681 6.84039L0.514526 9.00039L2.39681 11.1527L2.13453 14.007L4.91938 14.6395L6.37738 17.1004L9.00024 15.9664L11.6231 17.0927L13.0811 14.6318L15.866 13.9992L15.6037 11.1527L17.486 9.00039Z\" fill=\"#717171\"\/><path d=\"M12.2783 7.55371L8.10059 11.7324L5.72168 9.35352L6.42871 8.64648L8.09961 10.3174L11.5713 6.84668L12.2783 7.55371Z\" fill=\"white\"\/><\/svg>                        Verified expert\n                        <div class=\"expert_card-top-ver-text\">\n                            Every article at Innowise is created by authors with real-world experience. They understand the topic beyond theory and bring insight from real projects.\n                            <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"8\" viewBox=\"0 0 16 8\" fill=\"none\">\n                                <path d=\"M8 8L16 0L6.99382e-07 -1.39876e-06L8 8Z\" fill=\"#717171\"\/>\n                            <\/svg>\n                        <\/div>\n                    <\/div>\n                    \n                                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>                    <div class=\"expert_card-top-year\">\n                        9+ years of experience                    <\/div>\n                                    <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"expert_card-top-right-bottom mob\">\n            <div class=\"expert_card-top-ver\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\"><path d=\"M17.486 9.00039L15.6037 6.8481L15.866 4.00153L13.0811 3.36896L11.6231 0.900391L9.00024 2.02668L6.37738 0.900391L4.91938 3.36125L2.13453 3.9861L2.39681 6.84039L0.514526 9.00039L2.39681 11.1527L2.13453 14.007L4.91938 14.6395L6.37738 17.1004L9.00024 15.9664L11.6231 17.0927L13.0811 14.6318L15.866 13.9992L15.6037 11.1527L17.486 9.00039Z\" fill=\"#717171\"\/><path d=\"M12.2783 7.55371L8.10059 11.7324L5.72168 9.35352L6.42871 8.64648L8.09961 10.3174L11.5713 6.84668L12.2783 7.55371Z\" fill=\"white\"\/><\/svg>                Verified expert\n                \n            <\/div>\n                        <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>            <div class=\"expert_card-top-year\">\n                9+ years of experience            <\/div>\n                    <\/div>\n                <div class=\"expert_card-text\">\n            Andrew translates decentralized concepts into secure, functional financial tools. He navigates the volatile DeFi landscape to build scalable blockchain infrastructures that address real-world utility, moving past the buzzwords to deliver technical value.        <\/div>\n                <div class=\"expert_card-bottom\">\n\t\t\t<div class=\"expert_card-bottom-col\">\n\t\t\t\t\t\t\t\t<div class=\"expert_card-bottom-expertise\">\n\t\t\t\t\t<div class=\"expert_card-bottom-expertise-title\">\n\t\t\t\t\t\tExpertise\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"expert_card-bottom-expertise-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBlockchain\t\t\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>\t\t\t\t\t\t\tDeFi\t\t\t\t\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"3\" height=\"3\" viewBox=\"0 0 3 3\" fill=\"none\"><path d=\"M1.5 0C2.32843 0 3 0.671573 3 1.5C3 2.32843 2.32843 3 1.5 3C0.671573 3 0 2.32843 0 1.5C0 0.671573 0.671573 0 1.5 0Z\" fill=\"#717171\"\/><\/svg>\t\t\t\t\t\t\tTokenomics\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"expert_card-bottom-featured\">\n\t\t\t\t\t<div class=\"expert_card-bottom-expertise-title\">\n\t\t\t\t\t\tFeatured in\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"expert_card-bottom-featured-imgs\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/09\/CryptoNews.svg\" alt=\" CryptoNews logo.\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2026\/09\/Hackernoon.svg\" alt=\"Hackernoon logo.\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\n            <a href=\"#contact-form\" class=\"expert_card-bottom-a\">\n                Let's talk\n            <\/a>\n        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margin-bottom:4px;\n            }\n            .expert_card-bottom-expertise-list{\n                font-size:14px;\n                gap:8px;\n            }\n            .expert_card-bottom-featured{\n                width:100%;\n            }\n            .expert_card-bottom-featured-imgs{\n                gap:20px;\n            }\n            .expert_card-bottom-featured-imgs img{\n                height:20px;\n                width:auto;\n            }\n            .expert_card-bottom-a{\n                font-size:14px;\n            }\n\t\t\t.expert_card-top-ver svg{\n\t\t\t\twidth:14px;\n\t\t\t\theight:14px;\n\t\t\t}\n\n        }\n\n\n\n\n\n    <\/style>\n\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-781a442 e-con-full e-flex e-con e-child\" data-id=\"781a442\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e0224c2 e-con-full e-flex e-con e-child\" data-id=\"e0224c2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f81386e elementor-widget elementor-widget-heading\" data-id=\"f81386e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What OSFI actually said, and what it did not<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a2dce9 e-con-full e-flex e-con e-child\" data-id=\"5a2dce9\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0d2123 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d0d2123\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The substance is narrow and worth reading carefully.<\/span><\/p><p><span style=\"font-weight: 400;\">A tokenized deposit stays a deposit offered by the institution. The bank keeps responsibility for the underlying obligation. Distributed ledger technology changes how the claim is represented and transferred, not what it is under the existing framework. That is the whole ruling.<\/span><\/p><p><span style=\"font-weight: 400;\">Now the part that got much less attention. Institutions remain responsible for the existing legal, technology, cyber and third-party risk requirements, and OSFI expects banks to consult their lead supervisors before launching a novel product. So the legal question is settled, and the operational one is wide open. Those are two different problems, and the second one is the expensive one.<\/span><\/p><p><span style=\"font-weight: 400;\">I would frame it this way for any bank reading it: you no longer have to argue that your product is legal. You still have to prove that you can run it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e96de85 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e96de85\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A tokenized deposit remains a deposit under the existing banking framework, even when the underlying technology changes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6aa7d46 e-con-full e-flex e-con e-child\" data-id=\"6aa7d46\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a24afa0 elementor-widget elementor-widget-heading\" data-id=\"a24afa0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why this was predictable<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-eef5224 e-con-full e-flex e-con e-child\" data-id=\"eef5224\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-04791c9 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"04791c9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The argument I made in March was about structure. Whether regulators would turn friendly never entered into it.<\/span><\/p><p><span style=\"font-weight: 400;\">Tokenization at scale needs a set of preconditions: a license, compliance infrastructure, custody capability, institutional relationships. A startup builds those from zero, spending years and millions before the first token moves. For a bank, they are existing overhead. The advantage that creates is permission, and no amount of engineering substitutes for it.<\/span><\/p><p><span style=\"font-weight: 400;\">Permission also works asymmetrically. When a bank tokenizes a deposit, it exercises a right it already holds. When a startup tries to issue a tokenized investment product, it asks a regulator for a new right, inside a framework that may simply refuse to grant it. I have worked through more than a hundred tokenization concepts, and the failure pattern is consistent: roughly 90% die at the regulatory stage, long before engineering or the business model ever gets tested. I broke that failure taxonomy down in <\/span><a href=\"https:\/\/andrewnalichaev.com\/articles\/what-kills-tokenization-projects\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">What Kills Most Tokenization Projects<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">OSFI just wrote that asymmetry into supervisory language. A deposit is a deposit regardless of the rail. That sentence is worth more to a Canadian bank than any amount of crypto legislation, because it removes the only question that was genuinely open.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d9eb171 e-con-full e-flex e-con e-child\" data-id=\"d9eb171\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d6abf87 elementor-widget elementor-widget-heading\" data-id=\"d6abf87\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Canada is not an exception, but part of a broader trend<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e40503d e-con-full e-flex e-con e-child\" data-id=\"e40503d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e35357 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"8e35357\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">This is the part I would stress with clients, because one regulator can look like a local event.<\/span><\/p><p><span style=\"font-weight: 400;\">Look at what banks were already doing while waiting for nobody&#8217;s permission. JPMorgan runs roughly <\/span><a href=\"https:\/\/www.jpmorgan.com\/payments\/newsroom\/kb-kookmin-bank-kinexys-bda\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">$7B daily in tokenized deposits<\/span><\/a><span style=\"font-weight: 400;\"> through Kinexys, between its own clients. BNY launched Digital Cash in January 2026 with <\/span><a href=\"https:\/\/www.bny.com\/corporate\/global\/en\/about-us\/newsroom\/company-news\/bny-extends-digital-cash-capabilities-for-institutional-clients\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">six institutional participants<\/span><\/a><span style=\"font-weight: 400;\"> including ICE, Citadel Securities and Circle. The <\/span><a href=\"https:\/\/www.ukfinance.org.uk\/tokenised-sterling-deposits\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">UK Regulated Liability Network <\/span><\/a><span style=\"font-weight: 400;\">moved from experimentation with 11 entities to a live pilot with 7 banks running through mid-2026. In almost none of these cases did anyone acquire a new license. A tokenized deposit is a deposit under banking law, a tokenized fund is a fund under securities law, and the entire compliance apparatus carries over unchanged.<\/span><\/p><p><span style=\"font-weight: 400;\">The US drew the same line from the opposite direction. <\/span><a href=\"https:\/\/www.govinfo.gov\/content\/pkg\/COMPS-18221\/uslm\/COMPS-18221.xml\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">The GENIUS Act <\/span><\/a><span style=\"font-weight: 400;\">of July 2025 created a federal stablecoin framework with one decisive provision: stablecoins cannot pay interest, because they are payment instruments. Tokenized deposits sit in the other box. They earn yield; they live under banking law. Different jurisdiction, different mechanism, identical logic: the regulator classifies by economic and legal substance, and the rail is irrelevant.<\/span><\/p><p><span style=\"font-weight: 400;\">So OSFI stated plainly what was already implicit in how every serious supervisor has been treating this.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5e7478b e-con-full e-flex e-con e-child\" data-id=\"5e7478b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0ea3ea elementor-widget elementor-widget-heading\" data-id=\"c0ea3ea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What changes, and what does not<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f65037a e-con-full e-flex e-con e-child\" data-id=\"f65037a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60f462a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"60f462a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Here is where I would push back on the optimism a bit.<\/span><\/p><p><span style=\"font-weight: 400;\">Legal clarity removes an argument. Building the product is a separate job, and it is the one OSFI actually described: cyber risk, third-party risk, technology risk, and a supervisory conversation before launch. In practice, that means key management and custody design, the reconciliation layer between the on-chain representation and the core banking ledger, incident response for a system where settlement is final, and a vendor chain that a supervisor will accept. All of that is exactly as hard on September 11 as it was on September 9.<\/span><\/p><p><span style=\"font-weight: 400;\">The bigger structural limit is untouched. Legal equivalence inside one institution does nothing for fungibility between institutions. A JPMorgan tokenized deposit and a BNY tokenized deposit are both US dollar demand deposits at regulated banks, and they remain non-interchangeable. Each bank mints its own on-chain money inside its own walls. I call this the cash island problem, and a ruling like OSFI&#8217;s makes islands easier to build while leaving the bridges exactly where they were. Canadian banks can now issue with confidence, and they will issue into separate pools.<\/span><\/p><p><span style=\"font-weight: 400;\">That gap is the real opportunity, and I wrote about where it gets solved in <\/span><a href=\"https:\/\/andrewnalichaev.com\/articles\/defi-liquidity-layer-tokenized-assets\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">DeFi Is the Missing Liquidity Layer for Tokenized Assets<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d02ec6d elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"d02ec6d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tokenized deposits may be easier to issue, but interoperability is still unresolved. Each bank can build its own cash island, while the bridges between them remain missing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d04ba83 e-con-full e-flex e-con e-child\" data-id=\"d04ba83\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eba0dfb elementor-widget elementor-widget-heading\" data-id=\"eba0dfb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What I would do with this<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c2954df e-con-full e-flex e-con e-child\" data-id=\"c2954df\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d50208 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"6d50208\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you are a bank.<\/b><span style=\"font-weight: 400;\"> The legal precondition is handled, so the question moves to whether you can operate the thing. I would start from the supervisory conversation before the contract, because OSFI told you to, and because the answers you give there will constrain your architecture anyway. Then the honest scoping: custody model, reconciliation between chain and core, revocation and freeze capability, third-party risk across the vendor chain, and an audit trail a supervisor can reconstruct without your engineers explaining it. That list is unglamorous, and it is where the budget goes. The <\/span><a href=\"https:\/\/andrewnalichaev.com\/articles\/hidden-infrastructure-stack-rwa\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400; text-decoration: underline;\">infrastructure underneath any RWA project<\/span><\/a><span style=\"font-weight: 400;\"> is almost always something other than the token contract.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you are a startup.<\/b><span style=\"font-weight: 400;\"> Competing on issuance against a bank that just got told its product is already legal is a fight worth skipping. The terrain belongs to them. Where the demand is real is infrastructure that banks deploy under their own brand: custody, compliance automation, issuance tooling, reconciliation, secondary market execution. And longer term, the connective layer between institutional cash islands and open liquidity, which remains unbuilt and which banks are structurally unable to build themselves.<\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>If you are neither.<\/b><span style=\"font-weight: 400;\"> The useful signal is that the regulatory conversation has moved on. For a while the question was whether tokenized money is allowed. That question is closing. The open questions now are operational and architectural, which is a much better place to be, and a much less forgiving one.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9bd1219 e-con-full e-flex e-con e-child\" data-id=\"9bd1219\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-17a0e1b e-con-full e-flex e-con e-child\" data-id=\"17a0e1b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-86c1b21 elementor-widget elementor-widget-heading\" data-id=\"86c1b21\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Planning a tokenized deposit or a tokenization platform?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2040a6 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"a2040a6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We scope these from the legal structure up, not from the contract down<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d53405 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn assess-btn elementor-widget elementor-widget-button\" data-id=\"0d53405\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to experts<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d525623 e-con-full e-flex e-con e-child\" data-id=\"d525623\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a4f814 elementor-widget elementor-widget-html\" data-id=\"2a4f814\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n        #share-block.share-block * {\n            margin: 0;\n            padding: 0;\n        }\n\n        #share-block.share-block {\n            color: #2E2E2E;\n            \n            width: fit-content;\n            max-width: 100%;\n            \n            display: flex;\n            align-items: center;\n            gap: min(10.675vw, 40px);\n        }\n        \n        #share-block.share-block .share-btn {\n            padding: 0;\n            border: 0;\n            \n            min-width: 0;\n            \n            display: flex;\n            \n            outline: none;\n        }\n        \n        #share-block.share-block .share-btn-container {\n            display: grid;\n            grid-template-columns: repeat(4, 1fr);\n                \n            flex-shrink: 1;\n            min-width: 0;\n            \n            gap: min(10.675vw, 40px);\n            \n            align-items: center;\n        }\n        \n        #share-block.share-block .share-btn svg {\n            \/*color: #999999;*\/\n            flex-shrink: 0;\n            \n            width: 30px;\n            height: auto;\n            \n            aspect-ratio: 1\/1;\n\n            \/*opacity: 0.5;*\/\n        }\n        \n        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<\/defs>\n                <\/svg>\n\n            <\/button>\n        \n            <button class=\"share-btn\" data-service=\"x-twitter\" aria-label=\"Share on X\">\n                <svg width=\"40\" height=\"40\" viewBox=\"0 0 40 40\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <path d=\"M23.3529 17.2435L36.4665 2H33.359L21.9724 15.2358L12.878 2H2.38867L16.1412 22.0148L2.38867 38H5.49636L17.5209 24.0226L27.1252 38H37.6146L23.3521 17.2435H23.3529ZM19.0965 22.1911L17.703 20.1981L6.6161 4.33942H11.3893L20.3366 17.1379L21.73 19.1309L33.3605 35.767H28.5872L19.0965 22.1919V22.1911Z\" fill=\"#999999\" class=\"main\"\/>\n                <\/svg>\n            <\/button>\n            \n        <\/div>\n    <\/div>\n\n    <script>\n        document.addEventListener('DOMContentLoaded', function() {\n            const shareButtons = document.querySelectorAll('#share-block .share-btn');\n            \n            if (shareButtons.length) {\n                const urlToShare = encodeURIComponent(window.location.href);\n\n                shareButtons.forEach(button => {\n                    button.addEventListener('click', function(e) {\n                        const service = button.dataset.service;\n                        \n                        let shareUrl;\n                        \n                        switch (service) {\n                            case 'facebook':\n                                shareUrl = `https:\/\/www.facebook.com\/sharer\/sharer.php?u=${urlToShare}`;\n                                break;\n                            case 'linkedin':\n                                shareUrl = `https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=${urlToShare}`;\n                                break;\n                            case 'x-twitter':\n                                shareUrl = `https:\/\/twitter.com\/intent\/tweet?url=${urlToShare}`;\n                                break;\n                            case 'telegram':\n                                shareUrl = `https:\/\/t.me\/share\/url?url=${urlToShare}`;\n                                break;\n                        }\n\n                        if (shareUrl) {\n                            window.open(shareUrl, '_blank');\n                        }\n                    });\n                });\n            }\n        });\n    <\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-69bfeb8 e-flex e-con-boxed e-con e-parent\" data-id=\"69bfeb8\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce0226b elementor-widget elementor-widget-heading\" data-id=\"ce0226b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">More on this topic<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b954401 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-html\" data-id=\"b954401\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n\n.c-intro-section__container,\n.c-section__container {\n    display: block;\n    width: 100%;\n}\n\n.c-intro-section__body {\n    display: -webkit-box;\n    display: -ms-flexbox;\n    display: flex;\n    -webkit-column-gap: 20px;\n    -moz-column-gap: 20px;\n    column-gap: 20px;\n}\n\n.c-section__body {\n    display: -webkit-box;\n    display: -ms-flexbox;\n    display: flex;\n    -webkit-box-orient: vertical;\n    -webkit-box-direction: normal;\n    -ms-flex-direction: column;\n    flex-direction: column;\n    row-gap: 80px;\n}\n\n.p-mad-more__swiper .swiper {\n    overflow: visible;\n}\n\n\n.c-section__container .p-mad-more {\n    display: -webkit-box;\n    display: -ms-flexbox;\n    display: flex;\n    flex-direction: column;\n    row-gap: 16px;\n    width: 440px;\n    height: auto;\n    \/*min-height: 306px;*\/\n\n    flex-grow: 1;\n    padding: 30px 70px 40px 30px;\n    position: relative;\n    border: 1px solid #2E2E2E;\n}\n\n.p-mad-more__swiper .swiper-wrapper {\n    flex-direction: row;\n    overflow-x: visible;\n    \/*max-width: 1000px;*\/\n}\n\n.p-mad-more__swiper .swiper-pagination-lock{\n    display: none !important;\n}\n\n\n\n@media (max-width: 1279px) {\n\n    .p-mad-more .swiper-pagination-bullet {\n        width: min(100px, 22%);\n    }\n}\n\n\n@media (max-width: 767px) {\n\n    .p-mad-more__swiper .swiper-wrapper {\n        max-width: 100%;\n        width: 100%;\n    }\n\n    .swiper-pagination {\n        display: none !important;\n        margin-top: 40px;\n        position: static !important;\n    }\n}\n\n.p-mad-more__swiper .swiper-pagination {\n    --swiper-pagination-bullet-horizontal-gap: 5px;\n    line-height: 0;\n    bottom: -1px;\n    padding-top: 80px;\n    position: relative !important;\n    display: block;\n}\n\n.p-mad-more__swiper .swiper-pagination-bullet {\n    width: 100px;\n    height: 4px !important;\n    border-radius: 0;\n    background-color: #dbd8d8;\n    opacity: 1;\n}\n\n.p-mad-more__swiper .swiper-pagination-bullet-active {\n    background-color: #2e2e2e;\n}\n\n\/* inner MORE*\/\n\n.more__blog{\n    font-family: Karla;\n    font-size: 18px;\n    line-height: 150%;\n    color: #C63031;\n}\n\n.more__title{\n    font-family: Sora;\n    font-weight: 600;\n    font-size: 20px;\n    line-height: 150%;\n    margin-bottom: 0 !important;\n}\n\n.more__arrow{\n    position: absolute;\n    bottom: 27px;\n    right: 28px;\n}\n\n.more__arrow svg{\n    height: 17px;\n    width: 16px;\n}\n\n.more__item{\n    transition: all 300ms;\n    cursor: pointer;\n    justify-content: space-between;\n}\n\n.more__item:hover{\n    background-color: #2E2E2E;\n}\n\n.more__item:hover .more__title{\n    color: #FFFFFF;\n}\n\n.more__item:hover .more__arrow svg path{\n    stroke: #C63031;\n}\n\n.p-mad-more__swiper .more__item:not(:last-child){\n    margin-right: 40px;\n}\n\n@media (max-width: 1279px) {\n    .p-mad-more__swiper .swiper-pagination {\n        --swiper-pagination-bullet-horizontal-gap: 5px;\n        padding-top: 60px;\n    }\n    \n    .c-section__container .p-mad-more{\n        width: 350px;\n    }\n    \n    .p-mad-more__swiper .more__item:not(:last-child){\n        margin-right: 20px;\n    }\n\n}\n\n@media (max-width: 767px){\n    .c-section__container .p-mad-more{\n        width: 300px;\n    }\n    \n    .more__blog{\n        font-size: 14px;\n    }\n    \n    .more__title{\n        font-size: 16px;\n    }\n    \n    .c-section__container .p-mad-more{\n        row-gap: 12px;\n        padding: 20px 56px 24px 20px;\n    }\n    \n    .more__arrow{\n        bottom: 20px;\n        right: 20px;\n    }\n    \n}\n\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dccfcf9 testimonials-block elementor-widget elementor-widget-html\" data-id=\"dccfcf9\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"fix-p-pag c-section__container p-mad-more__section-container\">\r\n    <div class=\"c-section__body\">\r\n\r\n        <div class=\"p-mad-more__swiper\">\r\n            <div class=\"swiper\">\r\n                <div class=\"swiper-wrapper\">\r\n\r\n                    <a class=\"swiper-slide p-mad-more more__item\" href=\"\/services\/blockchain\/asset-tokenization-platform-development\/\">\r\n                      <span class=\"more__blog\">Services<\/span>\r\n                      <p class=\"more__title\">Asset tokenization platform development<\/p>\r\n                      <div class=\"more__arrow\">\r\n                        <svg width=\"19\" height=\"18\" viewBox=\"0 0 19 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                            <path d=\"M9 0.707031L17 8.70702L9 16.707\" stroke=\"#2E2E2E\" stroke-width=\"2\"\/>\r\n                            <path d=\"M0 8.70703L17 8.70703\" stroke=\"#2E2E2E\" stroke-width=\"2\"\/>\r\n                        <\/svg>\r\n                      <\/div>\r\n                    <\/a>\r\n                    \r\n                    <a class=\"swiper-slide p-mad-more more__item\" href=\"\/blog\/ready-made-vs-custom-asset-tokenization-solutions\/\">\r\n                      <span class=\"more__blog\">Blog<\/span>\r\n                      <p class=\"more__title\">Comparing ready-made asset tokenization platforms and custom solutions<\/p>\r\n                      <div class=\"more__arrow\">\r\n                        <svg width=\"19\" height=\"18\" viewBox=\"0 0 19 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                            <path d=\"M9 0.707031L17 8.70702L9 16.707\" stroke=\"#2E2E2E\" stroke-width=\"2\"\/>\r\n                            <path d=\"M0 8.70703L17 8.70703\" stroke=\"#2E2E2E\" stroke-width=\"2\"\/>\r\n                        <\/svg>\r\n                      <\/div>\r\n                    <\/a>\r\n                    \r\n                    <a class=\"swiper-slide p-mad-more more__item\" href=\"\/expert-tips\/tokenized-asset-liquidity\/\">\r\n                      <span class=\"more__blog\">Expert tips<\/span>\r\n                      <p class=\"more__title\">Token liquidity is won or lost before launch<\/p>\r\n                      <div class=\"more__arrow\">\r\n                          <svg width=\"19\" height=\"18\" viewBox=\"0 0 19 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\r\n                            <path d=\"M9 0.707031L17 8.70702L9 16.707\" stroke=\"#2E2E2E\" stroke-width=\"2\"\/>\r\n                            <path d=\"M0 8.70703L17 8.70703\" stroke=\"#2E2E2E\" stroke-width=\"2\"\/>\r\n                        <\/svg>\r\n                      <\/div>\r\n                    <\/a>\r\n                    \r\n                    \r\n\r\n                <\/div>\r\n                <div class=\"swiper-pagination\"><\/div>\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\r\n\r\n\r\n<style>\r\n    .fix-p-pag .swiper-pagination {\r\n        margin-top: 0 !important;\r\n    }\r\n<\/style>\r\n\r\n<script>\r\n    document.addEventListener(\"DOMContentLoaded\", ()=> {\r\n        const options = {\r\n        grabCursor: true,\r\n        slidesPerView: \"auto\",\r\n        \/\/ spaceBetween: 40,\r\n        watchOverflow: true,\r\n        freeMode: {\r\n            enabled:true, sticky:true\r\n        },\r\n        pagination: {\r\n            el: '.swiper-pagination',\r\n            clickable:true\r\n        }};\r\n\r\n        let swiper;\r\n\r\n        const initSwiper = (options) => {\r\n            swiper = new Swiper('.p-mad-more__swiper .swiper', options);\r\n            swiper.autoplay.stop();\r\n        };\r\n        \r\n        initSwiper(options);\r\n    })\r\n<\/script>\r\n\r\n<style>\r\n  \r\n<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c7b07f9 e-flex e-con-boxed e-con e-parent\" data-id=\"c7b07f9\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-61bc258 elementor-widget elementor-widget-shortcode\" data-id=\"61bc258\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/nl\/wp-json\/wp\/v2\/pages\/201120#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n.mailToContact br:nth-child(2){\ndisplay:none;\n}\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container #form-templates .form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container #form-templates .form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px !important;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n    .contact-us__wrapper .pp {\nfont-size: 12px !important;\nline-height: 140%;\nmargin-bottom: 0 !important;\n\n}\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select  class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\" aria-label=\"Project budget\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our <a href=\"\/privacy-notice\/\">Privacy Policy<\/a> to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Canada&#8217;s regulator just confirmed why banks tokenize first Sep 23, 2026 6 min read [summarize_button_ai title=&#8221;Summarize with AI&#8221;] On September 10, 2026, Canada&#8217;s Office of the Superintendent of Financial Institutions (OSFI) said that\u00a0tokenized deposits are not legally distinct from traditional deposits. The technology used to build or deliver a product doesn\u2019t decide its legal nature. [&hellip;]<\/p>\n","protected":false},"author":177,"featured_media":201121,"parent":196572,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-201120","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/pages\/201120","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/users\/177"}],"replies":[{"embeddable":true,"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/comments?post=201120"}],"version-history":[{"count":0,"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/pages\/201120\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/pages\/196572"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/media\/201121"}],"wp:attachment":[{"href":"https:\/\/innowise.com\/nl\/wp-json\/wp\/v2\/media?parent=201120"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}