Definition ∞ Commercial bank deposits are funds held by individuals and businesses in accounts at traditional financial institutions. These deposits represent a bank’s liability to its customers. They serve as a primary mechanism for transactions, savings, and credit within the conventional financial system.
Context ∞ In the digital asset discourse, commercial bank deposits are frequently referenced in relation to stablecoin reserves and the broader integration of digital assets with established financial systems. Regulators are examining how tokenized deposits might alter banking operations and consumer protection. A key future development involves the potential for central bank digital currencies to influence the nature of these deposits.
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