奥纬咨询&摩根大通：2023年存款代币：稳定数字货币的基石报告（英文版）

“[The increasingly important use of DLT] requires a new form of money — tokenised commercial bank money — which will enable efficient, fully digital handling of payment transactions.” “The goal [of tokenizing deposits] is the additional creation of programmable money that could be used within the framework of smart contracts, which in turn permits for more efficient transactions and refined payment controls.