Vantage and Rio Bank settle a loan payment with tokenized deposits on Ethereum

Principal and interest reached the receiving bank's wallet in under three minutes, with loan records updated at the same time Two Texas-area names you probably haven’t heard of just did something most big banks are still writing white papers about. Vantage Bank and Rio Bank completed a loan payment between themselves using tokenized deposits on Ethereum . According to Participate, the platform that handled the deal, the principal and interest landed in the receiving bank’s digital wallet in under three minutes . Loan balances and payment notices updated in the same motion as the money moved. The transaction took place on October 19, 2026. It was framed as the world’s first interbank loan participation or syndication principal-and-interest payment made with tokenized deposits.

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