Franklin Templeton Exec Predicts $100T Crypto Migration w/ Sandy Kaul

Sep 9, 2025

Sandy Kaul, Head of Digital Asset Innovation at Franklin Templeton and former executive at Goldman Sachs and JP Morgan, shares her insights on the future of finance. She boldly predicts a wallet-based economy, where the next five years will see crypto absorb trillions in legacy assets. Sandy discusses the rise of tokenized equities and AI-driven wallets, aiming to simplify crypto for all investors. She emphasizes the importance of financial literacy and explores real-world applications of cryptocurrency, underscoring the integration of traditional finance with innovative technologies.

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INSIGHT

Back To One-Transaction Settlement

Blockchain lets markets return to single-transaction settlement, cutting settlement from ~24 hours to seconds.
This shift removes legacy frictions and enables massive efficiency and volume gains globally.

INSIGHT

Wallet As Personal Financial Hub

Wallets will consolidate cash, investments, IDs, and titles into one personal control point.
That makes individuals the center of their financial life instead of aggregating across many accounts.

ADVICE

Treat Stablecoin Rules As A Build Signal

Use regulatory clarity, like the stablecoin bill, as a signal to prepare wallets and tokenized offerings.
Expect big firms and retailers to issue stablecoins and embed loyalty, accelerating wallet adoption.

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