From Experiment to Infrastructure: Why 2026 Is the Year Financial Giants Are Going All-In on Tokenization
от LCX Team · · Updated May 20, 2026
For years, tokenization was the idea that everyone in finance admired but few truly committed to. It lived in innovation labs, pilot programs, and conference keynotes — a promising concept perpetually described as “the future.” That future has arrived.
In 2026, the financial industry is no longer asking whether to tokenize. It’s asking how fast.
The GenAI Blueprint Is Being Copied
To understand why tokenization is having its breakout moment, you need to look at what happened with generative AI first. According to Broadridge’s sixth annual Digital Transformation & Next-Gen Technology Study which surveyed more than 900 financial services technology and operations leaders across wealth management, capital markets, and asset management — firms that moved early on GenAI are now reaping measurable productivity gains. Agentic AI tools are automating workflows, accelerating decision-making, and cutting operational overhead in ways that were theoretical just two years ago.
That success has become a template. Financial institutions have seen the playbook work once, and now they’re applying the same logic to tokenization, moving from experimentation to scaled execution, building the infrastructure, and capturing the advantage before competitors do.
The Investment Signals Are Unmistakable
The numbers from the Broadridge study are striking. More than half of surveyed firms 54% report making moderate to large investments in tokenization and digital asset infrastructure. This isn’t speculative budget allocation. These are deliberate capital commitments toward rebuilding how assets are issued, traded, and settled.
Perhaps more revealing is the shift in perception. A majority of firms now view tokenization not as a near-term replacement for existing systems, but as a structural evolution of market infrastructure. That framing matters enormously. It means institutions are no longer evaluating tokenization on a project-by-project basis. They’re redesigning their long-term architecture around it.
What Tokenization Actually Promises
So what’s driving this conviction? The benefits firms are betting on are tangible: enhanced liquidity for traditionally illiquid assets, faster settlement cycles that reduce counterparty risk, improved operational efficiency, and a level of transparency that legacy infrastructure simply cannot offer.
The real-world asset (RWA) tokenization market grew from $85 million in 2020 to over $25 billion by mid-2025 and 2026 is expected to push that number significantly higher. Tokenization is expanding beyond government securities into private markets, tokenized funds, and eventually consumer-grade financial products. For institutional investors, that means access to asset classes that were previously locked behind high minimums or illiquid structures.
The Moment Has a Name Now
What makes 2026 different from 2023 or 2024 isn’t the technology, much of it has existed for years. What’s different is institutional conviction backed by capital. The speculative phase is over. The firms that once ran tokenization pilots in isolation are now integrating blockchain and distributed ledger technology into their core operating models.
As Broadridge’s study concluded, AI is delivering measurable impact today, and tokenization represents the next structural shift in how financial markets function. The firms that will lead aren’t simply the ones with the best technology, they’re the ones that pair ambition with disciplined execution.
The infrastructure era of tokenization has begun. The question for every financial institution now isn’t whether to participate. It’s whether they can afford to wait any longer.
