Finance

The Future of Digital Assets: Swift’s Partnership Driving Innovation in Tokenisation

Published

3 years ago

March 16, 2023

Harry Williams

Digital assets have been around for quite some time, but they’ve never truly taken off until recently. With the rise of blockchain technology and the popularity of cryptocurrencies like Bitcoin and Ethereum, digital assets are quickly becoming one of the hottest topics in finance. And now, thanks to Swift’s partnership with various companies, innovation in the world of tokenisation has become a reality. In this blog post, we’ll explore how Swift is driving innovation in tokenisation and what it could mean for the future of digital assets. So buckle up as we take you on a journey into the exciting world of digital asset tokenisation!

What are digital assets?

Digital assets are any type of online file that can be used to generate value for a business or individual. This includes everything from website content and social media accounts to digital marketing campaigns and online courses.

In the past, many businesses saw digital assets as expendable items with no long-term value. However, the rise of the internet and social media has changed this perception. Today, digital assets are seen as valuable resources that can be leveraged to drive growth and create tangible value for businesses and individuals alike.

There are numerous ways to utilise digital assets to generate value. For example, businesses can use website content and social media accounts to attract new customers and build relationships with existing ones. Digital marketing campaigns can be used to drive sales and increase brand awareness. And online courses can be used to generate leads or provide valuable education for customers.

The future of digital assets is exciting, especially given the recent partnership between Swift and tokenisation platform Tokeny. This partnership is driving innovation in the field of digital asset management and is helping businesses unlock the full potential of their digital assets.

What is tokenisation?

Tokenisation, in the context of digital assets, is the process of converting a physical asset into a digital token. This can be done on a blockchain or other distributed ledger, and allows for the fractional ownership of assets and easier trading on secondary markets.

Swift’s partnership with Digital Asset is driving innovation in tokenisation, as they aim to make it easier for banks and other financial institutions to issue and trade digital assets. Their goal is to create a standardised platform that can be used by anyone, making it more accessible and user-friendly.

Tokenisation has the potential to revolutionise the way we trade and invest in assets, as it opens up new possibilities for fractional ownership and secondary markets. It also has the advantage of being more efficient and secure than traditional methods.

Swift’s partnership with Tokeny Solutions

In recent years, there has been a growing interest in the use of digital assets and blockchain technology for securities settlement. However, the lack of interoperability between different blockchain platforms has been a major barrier to widespread adoption.

Swift, the global payments network, has partnered with Tokeny Solutions, a leading provider of tokenisation services, to develop a new way to settle securities using digital assets. The partnership will utilise Tokeny’s T-REX platform to issue and manage security tokens on Swift’s global messaging network.

The partnership is part of Swift’s ongoing efforts to explore new ways to modernise and improve the efficiency of securities settlement. By utilising blockchain technology, Swift and Tokeny aim to create a more efficient and interoperable system that can settle trades faster and reduce settlement risk.

This is an exciting development for the digital asset industry and will help to drive innovation in tokenisation.

The benefits of tokenisation

Tokenisation is the process of converting a physical asset into a digital asset that can be traded on a blockchain. This process has a number of benefits for both businesses and investors.

Firstly, tokenisation enables fractional ownership of assets. This means that an investor can own a small percentage of a very valuable asset, such as a piece of art or real estate, which would otherwise be out of their price range. This opens up investment opportunities to a much wider pool of people.

Secondly, tokenisation makes it possible to trade assets 24/7. on decentralized exchanges. This increased liquidity can lead to higher prices and greater efficiency in the market.

Thirdly, tokenisation can help to reduce fraud and scams. When an asset is tokenised, it is registered on the blockchain with a unique ID. This makes it much harder for criminals to counterfeit or steal the asset.

Fourthly, tokenisation can make it easier to track the provenance of an asset. When an asset is tokenised, all of its previous owners are recorded on the blockchain. This gives buyers greater peace of mind that they are buying a genuine product from a reputable source.

Finally, tokenisation can help businesses to raise capital more easily by selling digital shares in their company (security tokens). This offers investors a new way to invest in early-stage companies and supports innovation in the digital economy.

The future of digital assets

The digital asset landscape is constantly evolving, with new technologies and platforms emerging all the time. Swift’s partnership with Digital Asset is driving innovation in the tokenisation of assets, which could have a big impact on the future of finance.

Digital assets are becoming more popular as an investment option, as they offer a lot of potential for growth. Tokenisation is a big part of this, as it allows for fractional ownership of assets and makes them more accessible to investors. Swift’s partnership with Digital Asset is helping to drive this innovation, and there are already a number of projects underway that are using the technology.

One example is DarcMatter Coin (DMC), which is being used to tokenise private equity investments. This will make it easier for investors to get involved in private equity deals, and will also help to reduce fees and speed up the process. Another project is Setl, which is using blockchain technology to streamline the settlement of trades. This could have a big impact on the efficiency of the financial system, and could potentially save billions of dollars each year.

These are just two examples of the many exciting projects that are being developed with Digital Asset’s technology. The possibilities are endless, and it’s clear that tokenisation is going to have a big impact on the future of finance.

Conclusion

The partnership between Swift and Tokeny has created a solid foundation for innovation in digital assets. With the potential to create more efficient payment systems, tokenisation provides an opportunity to increase liquidity, reduce costs and open new markets. This is just the beginning of what promises to be an exciting journey into the future of digital assets where we can expect even greater advances in technology in order to meet our needs as consumers.

Author

Harry Williams

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Business

RBI Gold Loan Guidelines 2025: What Borrowers Must Know

Published

4 days ago

November 21, 2025

ishasingh1699

Reviewed
By Elena Avery

Introduction

Gold Loans continue to be one of the most accessible credit options in India. With their quick processing and security-backed nature, they’ve helped millions manage short-term financial needs. In 2025, the Reserve Bank of India (RBI) introduced a revised set of Gold Loan guidelines to improve transparency, borrower protection, and uniformity in lending practices. These updates are particularly relevant for anyone considering a Gold Loan, whether for personal emergencies, minor business requirements, or planned expenses.

Understanding RBI’s Tiered LTV Policy

RBI now follows a tiered loan-to-value (LTV) ratio based on the total loan amount. The LTV ratio indicates the percentage of the gold’s value that can be sanctioned as a loan. As per the latest framework:

Loans up to ₹2.5 Lakh: Maximum LTV capped at 85%
Loans between ₹2.5–₹5 Lakh: Maximum LTV capped at 80%
Loans above ₹5 Lakh: LTV restricted to 75%

This change encourages responsible lending and ensures that smaller borrowers can access slightly higher loan amounts relative to the value of gold pledged.

Assessment of Borrower Creditworthiness

While smaller loans up to ₹2.5 Lakh may be offered without detailed credit appraisals, any loan amount exceeding this threshold requires a thorough credit assessment of the borrower’s repayment capacity. This step protects financial institutions and borrowers alike by aligning loan disbursements with the borrower’s ability to repay. Loan renewals or top-up loans can only be sanctioned following such credit assessments and must remain within permissible LTV limits. Bullet repayment loans may only be renewed after accrued interest has been paid.

Valuation and Purity Checks

RBI mandates a standardised process for assaying the gold pledged as collateral. The valuation of the pledged metal must be based solely on its intrinsic value without including stones, gems, or other embellishments. The price used to assess the value of the collateral should reflect its actual purity (caratage). This value must be based on the lower of either the average closing price over the past 30 days or the closing price from the previous day. These prices should be sourced from either the India Bullion and Jewellers Association Ltd. (IBJA) or a commodity exchange regulated by the Securities and Exchange Board of India (SEBI).

If prices for a specific purity are unavailable, valuation should be adjusted proportionately based on the nearest available purity. The assaying procedure and valuation methodology must be consistent across all branches of a lender, and borrowers must be present during assaying. Deductions related to non-metallic components, such as stones or lac, should be explained and documented in a certificate issued to the borrower. The lender is required to issue this certificate in duplicate, one for its records and one for the borrower’s acknowledgement.

Ownership Documentation and Anti-Money Laundering Measures

Lenders are required to ascertain that the ownership of the pledged collateral is not doubtful. Where ownership documents such as purchase bills are unavailable, lenders should obtain a declaration from the borrower affirming rightful ownership. Further, multiple or frequent loans granted to a single borrower aggregating beyond a certain threshold must be closely monitored under anti-money laundering (AML) regulations to prevent misuse or fraud.

Restrictions on Collateral Use and Loan Tenure

The RBI prohibits lending against primary gold, such as financial assets backed by gold ETFs or mutual funds. Collateral that has been pledged to a lender must not be repledged or used to secure loans from other institutions. Additionally, the tenure of consumption loans structured as bullet repayments is capped at 12 months, though renewals are permissible by appropriate regulations.

Collateral Limits for Ornaments and Coins

To mitigate risks linked to collateral management, the maximum aggregate weight of gold ornaments pledged by a borrower should not exceed 1 kilogram. Similarly, limits apply to coins: 50 grams for gold coins.

Settlement, Auction Procedures, and Borrower Protection

Upon full repayment or settlement, lenders must release the pledged collateral within seven working days immediate release on the same day is encouraged wherever possible. Before auctioning pledged items due to non-repayment, lenders are required to notify borrowers or legal heirs, allowing a reasonable time for settlement. Auctions must be conducted transparently with adequate public notice, including advertisements in a regional language newspaper and a national daily. The collateral’s reserve price at auction must not fall below 90% of its current value, except after two failed auctions, where it may be reduced to 85%.

In instances of collateral loss, damage, or discrepancies observed during audits or returns, lenders are mandated to compensate borrowers or their legal heirs promptly. Moreover, if collateral release is delayed due to the lender’s reasons, compensation at the rate of ₹5,000 per day of delay must be made.

Lender Obligations and Disclosure

Loan agreements must comprehensively describe collateral, auction procedures, borrower rights for settlement, timelines for releasing collateral, and applicable charges related to assaying or auctioning. Communication must be provided in the borrower’s regional or preferred language. Lenders must also maintain proper infrastructure and security protocols to store collateral safely and restrict handling to authorised personnel. Periodic internal audits, surprise verification of pledged items, and regular reporting to supervisory boards on unclaimed collateral are essential components of compliance.

Ensuring Borrowers Benefit from Competitive Gold Loan Rates

For borrowers, obtaining the lowest Gold Loan rate requires careful attention to lender policies, transparency in valuation, and adherence to prescribed limits. A practical approach includes using an interest calculator for a Gold Loan to estimate monthly repayments and total interest payable based on the loan amount, LTV ratio, and tenure. This tool helps borrowers compare offers across lenders and choose the most economical option while ensuring loan terms comply with RBI regulations.

Conclusion

The RBI’s updated gold loan guidelines for 2025 contribute to a regulated, transparent, and secure credit system for pledged gold collateral. By setting clear limits on LTV ratios, collateral valuation, borrower assessment, equitable auction processes, and borrower protection measures. The Reserve Bank promotes trust and stability in gold-backed lending. Borrowers are advised to understand these provisions fully and utilise tools such as the interest calculator for a Gold Loan to make prudent borrowing decisions. Adhering to the RBI’s framework will help borrowers secure the lowest Gold Loan rate while protecting their interests throughout the loan lifecycle.

Author

ishasingh1699

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Finance

FAQs List of Coinbase Support SERVICE (24/7 Talk)

Published

4 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Lucy Coll

Coinbase-Customer-Service-Support-by-Phone-1858-765-8486

Introduction

In the event that one encounters difficulties with their Coinbase account be it transactional anomalies, access impediments, or concerns regarding digital security it becomes imperative to ascertain the proper channels through which support may be expeditiously solicited. Coinbase affords users a multiplicity of remedial avenues, encompassing a continuous, 24-hour telephonic assistance service.

A recurrent query among users pertains to the operational mechanics of this support, the optimal junctures for engagement, and the anticipated procedural outcomes. This compendium of frequently asked questions endeavors to furnish lucid elucidations to the most prevalent inquiries surrounding Coinbase’s customer service apparatus. Regardless of whether one is a neophyte to the cryptographic domain or a seasoned practitioner, this guide is designed to facilitate the acquisition of assistance with both alacrity and security.

Frequently Asked Questions (FAQs) About Coinbase Support Service (24/7 Talk)

Q1. What Is Coinbase’s 24/7 Talk Support?

Coinbase’s 24/7 talk support allows users to call a support agent at any time, day or night. This means if you have trouble with your account, a payment, or need help with security, you can reach a live person who can guide you through the issue. This service is useful for urgent matters that cannot wait for email or chat replies.

Q2. How Do I Reach Coinbase Support by Phone?

To call Coinbase support, you usually go through the Help Center on the Cryptocurrency exchange

website. There, you may find an option to “Request a Call” if phone support is available for your account and region. Once you click that, Coinbase arranges a support agent to call you back. This method ensures you are reaching the real support team and not giving your number to a random person.

Q3. Is the Coinbase 24/7 Number the Same for Everyone?

No, it may not be the same for every user. The number or call-back method you get depends on:

Your geographic location
Your account type (regular user, Coinbase Pro, Coinbase One)
The type of issue you raise
Because of this, Cryptocurrency exchange often uses dynamic call‑back options rather than listing a single global number for all users.

Q4. Is There a Direct Public Phone Number Listed for Coinbase 24/7 Support?

Coinbase no longer widely publishes a fixed public phone number for all customer service calls. Instead, it prefers users to go through its Help Center to request a call. This helps reduce fraud risk and ensures users connect with genuine support agents. Be careful of unofficial numbers circulating online, as they may be scams.

Q5. How Do I Request a Support Call Back From Coinbase?

To request a call back:

Go to Coinbase Help Center while logged into your account.
Find the category that matches your problem (for example, account issues, security, transactions).
Click on “Contact Us” or “Get Help.”
Select “Request a Call” if available for your issue.
Provide your phone number and submit the request.

Coinbase support will then call you back, usually within a short time.

Q6. Do I Need to Pay for Coinbase 24/7 Support Calls?

No, Coinbase does not charge users for support calls. The call-back service is part of its customer support, and legitimate calls from Coinbase support agents are free. But you should always make sure you are calling or receiving calls from the correct source to avoid fraudulent calls that may try to scam you.

Q7. What Kind of Issues Can Be Handled Over a 24/7 Call?

You can get help for many different issues:

Account access or login problems
Identity verification or KYC issues
Payment or deposit problems
Withdrawal delays or errors
Security concerns, like 2FA or phishing
Transaction status checks
Any urgent or complicated issue that needs live assistance

Some very technical questions might be escalated, but a 24/7 agent can help guide you or pass the case on as needed.

Q8. Is 24/7 Support Available for All Coinbase Users?

Not necessarily. While Coinbase does offer 24/7 support in many places, it depends on:

Your country or region
Your user level (some features may be limited for free or new accounts)
The type of support plan you have (for example, Coinbase One or premium users may get faster service)

Always check in the Help Center to confirm whether 24/7 call-back is offered for your account.

Q9. How Can I Prepare Before the Support Call?

Preparing well can make the call faster and more effective. Here are some tips:

Write down your issue clearly (what happened, when, and how)
Have your Coinbase-registered email or phone ready
Note any transaction IDs, transaction dates, or screenshots if you can
Keep your device nearby in case you need to log in or share information
Never share your password, private keys, or one-time codes

Being ready helps you get a helpful response faster.

Q10. How Long Does It Usually Take for the Support Agent to Call Back?

The wait time for a callback can vary based on how many users are asking for help, where you are, and what kind of problem you have. In many cases, you may get a return call within minutes or up to a few hours. For urgent or high-severity cases, the response tends to be faster.

Q11. What Should I Do If the Agent Asks for My Password or Private Key?

You should never share sensitive data like your password, private keys, or wallet seed phrase. Real Coinbase support agents will never ask for this kind of personal or security information. If anyone asks for these details, it is a red flag for fraud. Politely end the call and report the number or incident to Coinbase directly via their official help portal.

Q12. Can I Use 24/7 Support for Fraud or Scam Reports?

Yes. If you believe you are being targeted by a scam or if your account has been compromised, contacting Coinbase support via the call-back option is one of the best steps to take. A support agent can help you secure your account, pause transactions, or escalate the matter to Coinbase’s security team.

Conclusion

Coinbase’s 24/7 talk support is a vital lifeline for users who need help with urgent account issues, security concerns, or transaction problems. By understanding how the call-back system works, preparing in advance, and recognizing genuine agents, you can get the help you need quickly and safely. Remember never to share passwords or private keys, and always use Coinbase’s official Help Center to start the support process. With the right approach, you can navigate issues with confidence and make full use of Coinbase’s round‑the‑clock service.

Author

coinbasetollfree

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Finance

Full List of Coinbase Help Desk Number USA Numbers

Published

4 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Mila Parker

Introduction

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