The Bank for International Settlements (BIS) pointed out in a special chapter of the 2023 annual economic report that the tokenization of currencies and assets has huge potential, but so far, these initiatives have been carried out in "islands" without access to central banks. Funding and the trust base it provides. A new type of financial market infrastructure "unified ledger" could reap the full benefits of tokenization by combining central bank money, tokenized deposits, and tokenized assets on one programmable platform. Multiple ledgers may co-exist, interconnected via application programming interfaces to ensure interoperability and promote financial inclusion and a level playing field.