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JPMorgan Chase launched its first tokenized money market fund on the Ethereum blockchain on December 15, 2025, marking a major shift for the banking giant despiteJPMorgan Chase launched its first tokenized money market fund on the Ethereum blockchain on December 15, 2025, marking a major shift for the banking giant despite

JPMorgan Launches First Tokenized Money Market Fund on Ethereum

Yazar: Brave Newcoin
2025/12/16 04:30
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The fund, called My OnChain Net Yield Fund (MONY), represents the largest global systemically important bank to launch such a product on a public blockchain.

The bank seeded MONY with $100 million of its own capital and plans to open the fund to qualified investors on December 16, 2025. This move places JPMorgan in direct competition with BlackRock, Franklin Templeton, and other financial giants racing to bring traditional assets onto blockchain networks.

How the MONY Fund Works

MONY operates through JPMorgan’s Kinexys Digital Assets tokenization platform and is available exclusively via the Morgan Money platform. The fund invests only in U.S. Treasury securities and repurchase agreements fully collateralized by U.S. Treasuries.

Investors receive digital tokens at their blockchain addresses representing their share of the fund. The token can be found on the Ethereum network at address 0x6a7c6aa2b8b8a6A891dE552bDEFFa87c3F53bD46. Like traditional money market funds, MONY pays dividends daily, but tokenization adds features like peer-to-peer transferability and 24/7 trading capabilities.

One key advantage is settlement flexibility. Investors can subscribe and redeem using either cash or Circle’s USDC stablecoin, bridging traditional finance with digital assets. The fund accrues interest daily and automatically reinvests dividends.

Strict Investment Requirements

MONY is not available to retail investors. The fund requires a $1 million minimum investment and restricts access to qualified investors only. Individual investors must have at least $5 million in investable assets, while institutions need a minimum of $25 million.

“There is a massive amount of interest from clients around tokenization,” John Donohue, head of global liquidity at JPMorgan Asset Management, told The Wall Street Journal. “We expect to be a leader in this space and work with clients to make sure that we have a product lineup that allows them to have the choices that we have in traditional money-market funds on blockchain.”

JPMorgan’s $4 trillion asset management division views this launch as a test case for expanding its lineup of blockchain-based financial products.

Jamie Dimon’s Complicated Relationship With Crypto

The MONY launch is particularly notable given CEO Jamie Dimon’s long history of harsh criticism toward cryptocurrencies. In 2017, Dimon called Bitcoin a “fraud” and later compared it to “pet rocks,” saying it was “worthless” and served only criminals and money launderers.

Despite these public statements, JPMorgan has steadily built blockchain infrastructure behind the scenes. The bank has been developing blockchain technology since 2015 and now processes billions in tokenized payments daily through its internal network.

Dimon’s tone has softened recently. In October 2025, he acknowledged that “blockchain is real” and becoming more efficient. However, he maintains personal skepticism about Bitcoin specifically, distinguishing between the underlying technology and cryptocurrencies themselves.

In May 2025, JPMorgan announced it would allow clients to buy Bitcoin, though the bank won’t custody the assets directly. The institution also plans to accept Bitcoin and Ethereum as collateral for loans starting in 2026, showing the gap between Dimon’s public statements and the bank’s strategic moves.

Competing in a Growing Market

JPMorgan enters a rapidly expanding tokenized treasury market. BlackRock’s BUIDL fund currently leads with approximately $1.8 billion in assets under management, making it the largest tokenized money market fund on public blockchains. Franklin Templeton and other major asset managers have also launched similar products.

The total tokenized treasury market reached approximately $7.3 billion in 2025, representing a 256% year-over-year increase. This growth reflects institutional demand for yield-bearing digital assets that combine the safety of U.S. Treasuries with blockchain advantages like instant settlement and 24/7 accessibility.

The broader tokenized real-world asset market hit $38 billion in 2025, with money market funds and Treasury products driving much of the growth. Goldman Sachs and Bank of New York Mellon announced partnerships earlier in 2025 to tokenize fund ownership for institutional clients, while several crypto exchanges launched tokenized stocks and securities.

Regulatory Tailwinds Support Growth

The timing of JPMorgan’s launch benefits from improving regulatory clarity in the United States. The passage of the GENIUS Act earlier in 2025 established a federal framework for dollar-denominated stablecoins, giving traditional financial institutions more confidence to build blockchain-based products.

Recent developments around the Clarity Act have also signaled a more constructive regulatory approach to blockchain-based financial products. Together, these policy changes have encouraged major financial firms to accelerate tokenization initiatives across funds, securities, and other real-world assets.

JPMorgan’s recent blockchain activity extends beyond MONY. Last week, the bank helped arrange a commercial paper offering for a Galaxy Digital subsidiary on the Solana blockchain. The institution also partnered with Alibaba to launch a tokenized payment system using blockchain technology for cross-border transactions.

George Gatch, CEO of J.P. Morgan Asset Management, emphasized the firm’s commitment to innovation. “Active management and innovation are at the heart of how we deliver new solutions for investors navigating today’s financial landscape,” he said in a statement. “By harnessing technology alongside our deep expertise in active management, we’re able to provide clients with advanced, innovative, and cost-effective capabilities.”

The Institutional Blockchain Race Heats Up

As competition intensifies between JPMorgan, BlackRock, Goldman Sachs, and other major financial institutions, Ethereum is rapidly becoming a settlement layer where traditional finance converges with blockchain-based markets. The success or failure of products like MONY will help determine whether tokenization becomes a core component of the global financial system or remains a niche innovation.

With regulatory frameworks maturing and institutional demand growing, the tokenized asset market appears positioned for continued expansion. JPMorgan’s entry as the largest global systemically important bank to launch on a public blockchain adds significant validation to the sector and may encourage other major institutions to follow suit.

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