For more than a decade, distributed ledger technologies (DLTs) have held the promise of greater efficiency. To realize this potential, we need to rethink the exchange of goods, services, and money. Tokenized bank money is the solution for the monetary side of this equation. In this panel discussion, we will explore how the Commercial Bank Money Token (CBMT) paves the way for a unified ledger and can create a win-win situation for businesses and banks.