Tobias heads the digital think tank at the Association of German Banks. Before that, he worked as a strategy consultants for a Big Four as well as internal consultant for a German private bank. He started his career as a trader at the Berlin Stock Exchange. Tobias Tenner holds a degree in economics and business administration.

Association of German Banks represents more than 200 private commercial banks & fintechs in Germany.

5 years of digital euro, 5 years of emerging CBDC discussion. In addition to functionality, the role model and the question of acceptance, the geopolitical significance of CBDCs play a decisive role.

Panel discussion : CBDC vs Tokenized Assets vs Stablecoins

This panel explores the evolving landscape of digital currencies and their implications for the future of finance.

CBDCs are state-backed digital representations of fiat currencies. Tokenized assets are digital representations of real-world assets like real estate or stocks, providing fractional ownership and increased liquidity. Stablecoins are cryptocurrencies pegged to stable assets like fiat currencies or commodities, were highlighted for their potential to mitigate volatility in the crypto market and facilitate cross-border transactions.

The panelists debated the advantages and challenges of each approach, including regulatory concerns, technological feasibility, and potential impact on monetary policy. Overall, the discussion underscores the need for careful consideration of the diverse implications of CBDCs, tokenized assets, and stablecoins in shaping the future of global finance.