Sandy Kaul: Tokenization, AI & Wallets Will Redefine Global Finance in 5 Years

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Oct 6, 2025

Sandy Kaul, Head of Innovation at Franklin Templeton, unpacks the future of global finance centered around tokenization and blockchain technology. She highlights how these advancements will enable assets to be traded 24/7 with instantaneous settlements. Kaul also delves into the benefits of innovative strategies like looping for yield enhancement and the integration of AI in portfolio management, suggesting a radical transformation in how investors interact with their assets and technology.

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INSIGHT

Institutional Tokenization At Scale

Franklin Templeton built proprietary wallet tech and runs tokenized funds across multiple blockchains since 2021.
They operate nodes, staking, and support tokenized mutual funds globally on native tokens.

INSIGHT

Wallets Will Become The Primary Interface

Sandy expects public blockchains to become global utility ledgers replacing individual record books.
She predicts wallets become the primary interface and assets will be digitally native and interoperable.

ADVICE

Don’t Wait — Accelerate Wallet Adoption

Move quickly to wallet-based systems because parallel slow and fast rails create operational risk.
Expect regulatory and market pressure to accelerate migration in the next five years.

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Franklin Templeton’s Head of Innovation, Sandy Kaul, joins CoinFund President Chris Perkins to explain why the next five years will bring more change to global finance than the last fifty. She reveals how tokenization, AI, and wallet-based systems are creating a fully digital investing world, where every asset settles instantly, trades 24/7, and lives securely on blockchain. Kaul discusses Franklin Templeton’s pioneering tokenized money market fund, its patented crypto wallet technology, and cutting-edge strategies like looping. She also explores how AI will manage portfolios, safeguard smart contracts, and transform the relationship between investors and technology.

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