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The European Banking Authority (EBA) has published a report to facilitate awareness of tokenised deposits, as well as assess their potential benefits and challenges. The report also aims to promote convergence in the classification of tokenised deposits in contrast with electronic money tokens (EMTs) issued by credit institutions under the Markets in Crypto-Assets Regulation (MiCAR). As part of the EBA’s 2024-25 priorities on innovative applications, the EBA has analysed appro