Regulation & supervision
Taiwan opens deposit-token pilot applications for banks
APACSource: Financial Supervisory Commission
AI-generated image- Taiwan’s Financial Supervisory Commission opened applications on 22 September 2026 for banks to pilot deposit-token business, citing the tokenisation of real-world assets (RWA) and international deposit-token developments, to give banks room to develop operating models, technology applications and risk-management mechanisms and to inform future supervisory and regulatory adjustments.
- The FSC said a bank-issued deposit token presents a bank deposit through a new form of representation or record such as blockchain, remains legally a bank deposit and is in principle handled under the existing Banking Act and related rules, so banks may apply under the FSC’s guidelines for financial-industry business pilots.
- Applicants must set out in their business plan the pilot scope and use cases; issuance, transfer, redemption and destruction flows; reconciliation between deposit accounts and token ledgers; the technical architecture and security controls; and redemption and customer-protection arrangements when the pilot ends or is stopped.
Why it matters
Taiwanese banks can seek FSC approval to test deposit tokens under existing banking law rather than a new licence, but must document deposit-to-ledger reconciliation, wallet and smart-contract controls and an exit plan for redeeming and destroying tokens, and the FSC says what it learns from the pilots will feed into future changes to supervisory rules.
Read the original: Financial Supervisory Commission ↗
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More detail
Also in the source
- (Source text in Chinese; summary translated.)
Who is affected
Banks in Taiwan that plan to pilot issuing deposit tokens, and their customers during and after a pilot.
Key dates
- FSC opens applications for bank deposit-token pilots
What remains uncertain
- The FSC says it will study amending supervisory rules and regulations as appropriate based on the pilots; no timetable is given.
Key facts
- Event
- Supervisory decision
- Jurisdiction
- APAC
- Source
- Financial Supervisory Commission (Taiwan)
- Source tier
- Tier 1 · Regulator / central bank
- Product
- Tokenized deposits
Institutions
How we verified this
The source says
“為因應現實世界資產（RWA）代幣化之發展，並參酌國際間存款代幣之發展情形，金融監督管理委員會（下稱金管會）於今日（22日）開放銀行申請試辦存款代幣業務，以提供銀行發展存款代幣實際運作模式、技術應用及風險管理機制之空間，並作為未來相關監理制度及法規調適之參考。”
“金管會表示，銀行發行存款代幣，係將銀行存款以區塊鏈等新型態之表彰或記錄方式呈現，其法律性質仍屬銀行存款，相關業務原則上依現行銀行法等相關法規辦理，屬既有商業模式之擴展，爰銀行得依「金融業申請業務試辦作業要點」（下稱本要點）向金管會申請試辦。”
“三、存款帳務與代幣帳本之勾稽、對帳及控管機制。”
“五、試辦期間屆滿或停止試辦時，存款代幣之贖回、銷毀及客戶權益保障機制。”
Verbatim from Financial Supervisory Commission (Taiwan), matched word for word against the live page on 31 October 2026.
Sources
- PrimaryFinancial Supervisory Commission (Taiwan) ↗2026-09-22T1Regulator
Evidence
- Confidence
- High Primary source (regulator / official record); quote string-matched against the live page.
- Quote verified
- 2026-10-31 20:45 UTC
- Archived snapshot
- SHA-256
6b6fe6468839e6e9…· fetched 2026-10-28 · Wayback Machine copy ↗ - Source type
- Primary Financial Supervisory Commission (Taiwan) ↗
Change log (1)
- 2026-10-28 Published
AI-assisted: the summary and analysis were drafted with AI from the primary source and checked by the editors. AI-drafted from the primary source; quote string-matched against the live source page.
Methodology · How we classify sources · Corrections · Report an error
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