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Tokenisation and digital money: two roads to a smarter payments future

January 07, 2026

As the payments industry races toward a digital future, two technologies are often mentioned in the same breath: tokenisation and digital currencies. Yet, despite their shared spotlight, understanding the distinction is essential for anyone navigating the evolving financial landscape, writes Azimkhon Askarov, Co-CEO and Partner of payments company CONCRYT.

Particularly concerning stablecoins and central bank digital currencies (CBDCs), these innovations serve fundamentally different purposes. Tokenisation: securing the rails

Tokenisation is a behind-the-scenes technology that replaces sensitive payment data, like card numbers or bank account details, with unique, non-sensitive tokens.

These tokens are meaningless if intercepted, making them a powerful tool for reducing fraud and enhancing privacy. Today, around half of Visa’s global ecommerce transactions are tokenised, a clear signal that this isn’t a niche solution, but a foundational layer of modern payments infrastructure.

Tokenisation doesn’t change the money itself, but it does change how payment data is stored, transmitted, and protected, so at its core is a security and compliance tool

BAHRAIN FINTECH BAT AND TETHER SIGN MOU TO PROMOTE BLOCKCHAIN ADOPTION

Bahrain FinTech Bay, the Kingdom’s leading fintech hub, and Tether, the largest company in the digital asset industry, signed a Memorandum of Understanding (MoU) to advance blockchain adoption, enhance digital asset education, and position Bahrain as a regional leader in blockchain innovation.

The collaboration is supported by the Kingdom’s new, forward-thinking stablecoin regulatory framework. This framework, recently introduced by the Central Bank of Bahrain, is aimed at ensuring the safe and sound integration of stablecoins into the financial system. It establishes clear legal classifications for different types of stablecoins and sets out detailed requirements for licensing, reserve management, asset segregation, and real-time attestation obligations.

Accelerating education and innovation

Through this collaboration, Bahrain FinTech Bay and Tether will work to accelerate the use of blockchain technologies by promoting education, supporting community engagement, and encouraging greater cooperation between public and private sector stakeholders.

Disney is embedding generative AI into its operating model

For a company built on intellectual property, scale creates a familiar tension. Disney needs to produce and distribute content across many formats and audiences, while keeping tight control over rights, safety, and brand consistency. Generative AI promises speed and flexibility, but unmanaged use risks creating legal, creative, and operational drag. Disney’s agreement with OpenAI shows how a large, IP-heavy organisation is attempting to resolve that tension by putting AI inside its operating system rather than treating it as a side experiment.

Under the deal, Disney becomes both a licensing partner and a major enterprise customer. OpenAI’s video model Sora will be able to generate short, user-prompted videos using a defined set of Disney-owned characters and environments. Separately, Disney will use OpenAI’s APIs to build internal tools and new consumer experiences, including integrations tied to Disney+. The company will also deploy ChatGPT internally for employees.

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THE LAW SOCIETY: CURRENT LAWS ARE FIT FOR THE AI ERA

As ministers push to loosen rules to speed up AI adoption, The Law Society argues that lawyers just need to know how current laws apply. The Department for Science, Innovation & Technology (DSIT) recently launched a call for evidence on a proposed ‘AI Growth Lab’. This crosseconomy sandbox is designed to accelerate the deployment of autonomous technologies by granting “time-limited regulatory exemptions” to firms. The government’s position is that many regulations are outdated, having been designed before autonomous software existed, often assuming that decisions are made by people rather than machines. Ministers believe that if the UK can move faster than its global competitors, it can secure a defining economic advantage, with a potential £140 billion boost to national output by 2030. Their preliminary analysis specifically flags legal services as a sector where removing “unnecessary legal barriers” could generate billions in value over the next decade.