Get to know G-Token, a digital bond, the government opens up opportunities for Thai people to invest

Cabinet approved the issuance of G-Token, a digital bond worth 5 billion baht, to make it easier for Thais to invest through the digital system. So what is G-Token? How to buy and sell it? What are its advantages and disadvantages? And why did the Cabinet choose to use it? Let’s take a deep dive into the world’s first large-scale fundraising.

On May 13, 2025, the Cabinet, led by Prime Minister Paetongtarn Shinawatra, resolved to approve the draft announcement of the Ministry of Finance on the determination of criteria, methods, and conditions for the issuance of digital tokens in 2025. The goal is for the Ministry of Finance to issue government digital tokens, or G-Tokens (Government Tokens), with an initial budget of 5 billion baht to be used as a new tool to raise money to offset the budget deficit in 2025.

Mr. Patchara Anantasilpa, Director of the Public Debt Management Office (PDMO), explained that G-Token will help the government find money more easily and give all Thai people an opportunity to invest in something safe and with good returns, while also using modern technology that makes everything transparent and fast.

What is G-Token?

Think of the “savings bonds” we’ve seen banks sell, but G-Token is a digital version that can be traded through an app or website, using a technology called “blockchain,” which is like a digital ledger that anyone can check where their money goes.

G-Token is not a digital currency or cryptocurrency that can be used in stores and has nothing to do with the digital wallet project that the government has been talking about.

But it is like an investment that the government has issued for the public to buy, promising a guaranteed return. G-Token has a unique feature that you can start investing with a small amount of money, around 20,000 baht, and has a short investment period of no more than 1 year, making it suitable for people who want a better return than bank deposits, but don’t have to wait as long as some bonds. Importantly, the government is the guarantor, so you can be sure that your money will not be lost.

How to buy G-Token?

If you want to buy G-Token, you must have an account with a digital asset exchange authorized by the Securities and Exchange Commission (SEC) or through the app of a participating securities company. The steps are as easy as buying online. At this time (May 14, 2025), there is no list of exchanges.

1. Sign up for an account with a designated platform
2. Transfer money to the account and then purchase G-Tokens in the desired amount.
3. Wait to receive the return when it matures or sell in the secondary market if you want the money back first.

According to the FT, G-Token is expected to start selling for the first time in July 2025, but will officially open for business in November 2025. The Ministry of Finance will specify the return rate in the form of annual interest and the purchase channel clearly. People can hold until maturity to receive the principal back with returns or sell to others in the secondary market if they need money urgently, which is different from some types of bonds that have to wait 6 months before being able to sell.

Advantages of G-Token

• Easy to invest, accessible to everyone. Those interested do not need to be large investors. You can buy with just 20,000 baht and make transactions via mobile phone, no need to go to the bank.
• Safe, issued and guaranteed by the government, there is almost no chance of losing money.
• Better returns than deposits because the interest rate is higher than general bank deposits. Suitable for people who want their money to grow.
• Help develop blockchain technology, modernize Thailand’s financial system, and support the government’s digital economy policy.
• Transparent and fast, blockchain enables every transaction to be verified, reducing the chance of fraud and allowing for fast trading without having to wait long.
• Good liquidity. If you want your money back, you can sell G-Token on the secondary market immediately. You don’t have to wait for the due date.

Disadvantages and things to watch out for G-Token

• Prices may fluctuate in the secondary market. Although the government guarantees the principal and returns, if sold in the secondary market, prices may fluctuate according to market demand.
• Technology is required. People who are not comfortable with apps or websites may find it difficult to learn how to sign up and purchase through digital platforms.
• Security risks If a blockchain system or platform is hacked, there could be problems, even if the government tries its best to prevent them.
• Startup Costs: Developing blockchain systems and platforms requires a significant initial investment, which can impact budgets.
• The returns are not as high as stocks. Although better than deposits, the returns may be lower than high-risk investments such as stocks or cryptocurrencies.

So why did this cabinet choose to use G-Token?

1. Making investment easier: Ms. Paethongtarn said the government wants all Thais, especially those who have never invested before, to try investing in something that is safe and easy to understand, reducing the gap between the rich and the common people.
2. Support the digital economy because the Paethongtarn government emphasizes the use of modern technology. G-Token is part of the policy that makes Thailand modern and competitive with the world.
3. Earn money faster and cheaper. G-Token issuance is faster than traditional bonds and reduces the cost of paperwork or procedures.
4. The trial before the large-scale expansion, the budget of 5,000 million baht is like a test. If successful, the government may issue more G-Tokens in the future.
5. Build public confidence: The government guarantees and uses a transparent system, making people more willing to invest, which helps stimulate the economy.

SET plans to start selling G-Token within fiscal year 2025, and will work with the SEC and other agencies to determine convenient and appropriate sales methods, such as a special app for buying G-Token or having some banks help sell it. The government will clearly publicize information such as the rate of return, the start date of the sale, and how to register for an account. It is expected that after this, there will be training or instructions on how to use it for those who are not good with technology, so that everyone has the opportunity to invest.

Did you know: As of today (May 14, 2025), there is no information on any country in the world issuing a government digital token similar to G-Token, making Thailand a potential leader in this area. However, the world’s economic superpowers, such as the United States or China, have experimented with digital bonds on the blockchain, such as the World Bank’s Bond-i project in 2018, but they are not yet widespread due to several obstacles, such as unprepared digital currency laws, confidence in traditional bonds, and the complexity of the technology, etc.

Reference : Thaipbs

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