New Foundations of Digital Finance: Dubai’s First Tokenized Money Market Fund!

Jakarta, Pintu News – The Dubai Financial Services Authority (DFSA) recently granted regulatory approval for the QCD Money Market Fund, an initiative that incorporates traditional assets such as US Treasuries into blockchain for institutional use.

This collaboration between Qatar National Bank (QNB) and DMZ Finance, marks the first major step in the tokenization of financial products in the Middle East.

The main focus of the fund is to provide applications that are compliant with institutional standards, including bankable collateral, stablecoin reserves, exchange liquidity, and Web3 payment support.

QNB Bank, Largest in the Middle East and Africa

QNB, as the largest bank in the Middle East and Africa, leads the investment strategy and asset origination for the QCD Money Market Fund (QCDT). With extensive experience in asset management and finance, QNB brings deep expertise in managing and securing investments at scale.

This ensures that the fund is not only stable but also profitable for institutional investors seeking diversification through new technologies. DMZ Finance, on the other hand, provides the technological infrastructure necessary for the digital architecture of the fund.

As a tokenization and stablecoin infrastructure platform, DMZ Finance ensures that all assets in the fund are tokenized securely and efficiently. This enables greater transparency and easier access for investors, which is key in the adoption of blockchain technology in mainstream financial services.

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QCDT becomes a tokenized money market fund

With approval from the DFSA, QCDT became the first tokenized money market fund to be officially established in the Dubai International Financial Centre. This marks a new era in the regulation of digital financial products, providing a model for other institutions to follow.

This success also demonstrates Dubai’s commitment to becoming a global hub of financial innovation, especially in the field of asset tokenization. In addition, the DFSA has launched the Tokenization Regulatory Sandbox in March, which offers a structured pathway for crypto firms to test tokenized investment products under their Innovation Testing License regime.

Nearly 100 companies have indicated their interest in the first cohort, signaling a strong interest in the exploration and adoption of blockchain technology in financial services in the region.

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Tokenization in Dubai

Dubai is not only leading the way in money market fund tokenization but also in real estate tokenization. Tokenized property sales reached nearly $400 million in May 2025, which is more than 17% of the city’s total real estate transactions.

Support from updated regulations by the Virtual Assets Regulatory Authority and the launch of a government-backed platform for fractional ownership of property have strengthened Dubai’s position as a leader in digital asset innovation.

These regulatory measures not only boost investor confidence but also open up new opportunities for economic growth and innovation. With the RWA tokenization market estimated to reach $18.9 trillion by 2033, the potential for further transformation in the financial ecosystem is huge.

Conclusion

The QCD Money Market Fund initiative by QNB and DMZ Finance in Dubai marks a turning point in the integration of blockchain technology with traditional financial assets. With strong regulatory support and continued innovation, Dubai is positioning itself as a global leader in the evolution of digital finance. This is not just progress for Dubai or the Middle East, but also for the future of global finance.

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Reference

• Crypto News. Dubai Approves First Tokenized Money Market Fund Backed by QNB and DMZ Finance. Accessed on July 9, 2025
• Featured Image: Generated by AI