According to an official statement, the Bank for International Settlements (BIS) pointed out in a special chapter of its 2023 economic report that the tokenization of currency and assets has great potential, but so far these initiatives have been carried out in "isolated islands" without access to central bank funds and the trust they provide. A new type of financial market infrastructure, the "unified ledger," can reap all the benefits of tokenization by combining central bank money, tokenized deposits, and tokenized assets on a programmable platform. Multiple ledgers may coexist, interconnected through application programming interfaces to ensure interoperability and promote financial inclusion and a fair competitive environment.