Monument Bank recently announced plans to tokenize £250m in retail deposits on Midnight.
@MidnightNtwrk's mainnet has been live since March 2026, and a major regulated bank has already committed to migrating customer savings to it.
This may be bigger for privacy adoption than you think ↓
1️⃣ The privacy problem
Privacy in crypto has existed for years, but it was always built around total anonymity.
That's fine for some use cases, but it's not what institutions need.
What they need is selective privacy.
A bank needs to keep customer transactions private from the public, but it also has to show regulators a clean audit trail.
A business needs to protect commercial data but still prove compliance when required.
Most privacy chains leave compliance to individual apps. That makes institutional adoption harder.
2️⃣ The selective privacy model
@MidnightNtwrk is approaching this differently.
Instead of hiding everything by default, Midnight lets you choose what stays private and what can be disclosed, all at the contract level.
The token-resource model is built around that same separation:
→ $NIGHT is public by design, so your holdings are visible and verifiable
→ Holding $NIGHT generates DUST, a private resource that pays for transaction execution without exposing activity
Compliance and privacy aren't competing. They're baked in together.
3️⃣ The institutional signal
Monument, a major UK-regulated bank, just committed £250m of customer deposits to Midnight.
These aren't institutional pilots or closed tests. These are retail customer savings, fully backed and covered by the same deposit protections as any other UK bank account.
Monument isn't a small player either. They have around $9.5B in deposits, with more than 100,000 customers.
For me, it's a clear signal that institutions need the selective privacy model.
4️⃣ The retail side
The institutional side is only half of the story.
Midnight's bigger bet is that privacy should be invisible. Users shouldn't have to think about keys, wallets, or what's exposed onchain. They should be able to tap, authenticate, and have their sensitive data protected automatically.
That's a long way from where crypto sits today, as wallets are too complex, and transactions are usually fully transparent.
Midnight tackles all of these at the protocol level.
The same mechanism that works for regulated banks also lets everyday users prove who they are without handing over personal data or pay for something without exposing their balance.
Conclusion
I'd almost given up on the idea of regulated banks showing up on a privacy chain.
I guess there's a first for everything.
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