For many years, banking and blockchain were often XEM as two separate ecosystems : traditional finance on one side and crypto and DeFi on the other. However, this trend is rapidly changing as more financial institutions begin to become more deeply involved in the digital asset market.

A notable example in Vietnam is Nam A Bank , which has publicly announced plans to build infrastructure and services related to digital assets.

Banks are no longer just places to deposit money.

Chia to Mr. Vo Hoang Hai , Deputy General Director of Nam A Bank, the bank is developing a 24/7 payment system to directly connect fiat currency and digital assets .

The goals of this model are: to bridge the gap between traditional finance and crypto, to ensure transparent transaction reconciliation, and to reduce risks for investors entering this new market. This reflects the general trend in the global financial industry: blockchain is no longer outside the banking system .

Services that were once only available on crypto exchanges.

Nam A Bank is also researching and implementing services that were previously commonly seen on international crypto platforms.

1. Digital asset custody

Banks can act as Custodian – entities that hold crypto assets according to financial standards.

This benefits investors by: eliminating the need to manage private keys themselves, providing an additional layer of security and oversight, and increasing market confidence. Globally, many large banks have entered this field, such as BNY Mellon and Standard Chartered .

2. Crypto-backed mortgage loans

Another service under investigation is lending secured by digital assets .

This model allows investors to: Use crypto as collateral, borrow Capital without selling assets, and leverage financial resources. This is a common mechanism in DeFi , but if implemented by banks, it would operate within a clearer legal framework .

Tokenize real assets: the most notable step.

The most ambitious part of Nam A Bank's plan is the Tokenize of real-world assets (RWA) .

Assets such as stocks, bonds, and real estate can be converted into Token on the blockchain , making trading and distribution more flexible. Tokenize offers several benefits: increased accessibility for small investors, improved liquidation, and reduced intermediary costs. According to many research organizations, the blockchain-based RWA market is growing rapidly , as more and more traditional assets are being moved onto digital infrastructure.

Signals for the future of digital finance in Vietnam

Chia at the talk show "Ho Chi Minh City International Finance Center: What impetus will there be for Vietnam's digital asset market?" , Mr. Vo Hoang Hai stated that financial institutions will not be left out of this trend .

Instead, banks will become more deeply involved in the market, from technological infrastructure and financial services to the legal framework. If this trend continues, the lines between traditional banking and blockchain finance could become increasingly blurred . Instead of competing, these two ecosystems are likely to converge to form a new financial model .