新闻稿
JETCO and AIFT Join-Forces to Support Real-Value Tokenisation Transactions
Hong Kong, 17 November 2025 –
As an international financial centre, quick and wide adoption of new financial instrument is one of the key success factors. With the strong policy support by the Hong Kong government on Web3 finance, Hong Kong is at the front rim as a Web3 finance hub. Tokenised deposit and real-world asset (RWA) are all prospering. Joint Electronic Teller Services Limited (“JETCO”) and Laboratory for AI-Powered Financial Technologies Limited (“AIFT”) collaborate on a shared tokenised deposit platform to enable the tokenised deposit service by commercial banks.
As a technology company which supporting various Fintech projects in banking industry, JETCO brings its technical expertise and banking experience. Together with AIFT’s strong research capability, this collaboration kicked off with a study on the quick enablement of tokenised deposit in banking and financial institutions by riding on advanced distributed ledger technology (DLT) in order to achieve 24×7 real time settlement. With 24×7 real time settlement, the turnaround time of payment transaction can largely be shortened. That is not just reducing the settlement risk but also provide better liquidity management to banking customers. Throughout the participation in The Hong Kong Monetary Authority’s EnsembleTX, certain results on tokenised deposit settlement have been testified with positive result. As project Ensemble progresses to EnsembleTX, the pilot phase, we are proud to be playing our part in bringing tokenised deposits to real-world use cases.
This collaboration will not stop at here. JETCO and AIFT will continue to work closely on other study, including the interoperability between banking and tokenised asset participants on tokenised deposit payment settlement for banking customers to fulfil their daily banking transaction needs etc.
As a participant in the HKMA’s Project Ensemble, JETCO will continue to collaborate within the EnsembleTX framework to transition tokenisation from proof-of-concept to real-world application.
Joint Electronic Teller Services Limited
Joint Electronic Teller Services Limited (“JETCO”) was incorporated in Hong Kong on 30 April 1982. As a bank consortium, JETCO currently has more than 30 member banks and connects around 3,000 ATMs in Hong Kong and Macau to provide convenient and reliable ATM services across both locations. JETCO also offers a series of value-added services to member banks, such as payment gateway for e-Commerce, open API exchange platform etc. to enable member banks to provide customers with innovative and high-quality services. In August 2018, The Hong Kong Monetary Authority designated the relevant payment systems operated by JETCO for the processing of Hong Kong retail payment transactions as a designated retail payment system (“designated RPS”) pursuant to the Payment Systems and Stored Value Facilities Ordinance (“PSSVFO”).
Laboratory for AI-Powered Financial Technologies Limited
The Laboratory for AI-Powered Financial Technologies Limited (“AIFT”) is a technology innovation center cofounded by City University of Hong Kong and Columbia University with the commitments to pioneering research, fostering talents, and commercializing technological applications. AIFT is the only FinTech research lab recognized by InnoHK, the HKSAR government’s flagship innovation and technology initiative.
AIFT aims to integrate modern financial theory, artificial intelligence technology, and traditional risk control methods to address three key issues in the supply chain finance: data and price discovery mechanisms, risk control mechanisms, and settlement guarantee mechanisms.
Project Ensemble
The Project Ensemble is the HKMA’s key initiative to foster the development of Hong Kong’s tokeniszation ecosystem. Starting with the Ensemble Sandbox for industry-wide experimentation, the project has now entered its next chapter with EnsembleTX, bringing tested concepts into a real-value environment and paving the way for scalable and efficient digital asset transactions.