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Visa:數碼港元先導計劃顯示代幣化存款或為物業支付等大額交易降低結算風險
阿思達克 11-01 12:05
Visa公布,與匯豐及恆生銀行(00011.HK)共同研究以央行數碼貨幣進行代幣化存款的先導測試結果。該測試在聚焦銀行間企業對企業(B2B)的付款流程下模擬兩個用例,包括物業付款,以及收款機構和商戶之間的結算,展現B2B支付代幣化後,包括支付速度、結算風險管控、支付網絡韌性和交易透明度各方面的潛在優勢。 先導測試顯示代幣化存款,有可能為物業支付等大額或具時效性的交易,提供額外的支付選項,因為它可以讓交易在安全的情況下進行,甚至有可能降低交易結算風險。此外,以代幣化存款處理支付卡收款機構和商戶之間的結算過程,亦有可能標誌著一種革新的B2B支付方式,其主要優勢包括提高交易透明度和加快大額交易的結算速度。 此外,Visa亞太地區數碼貨幣業務部主管Nischint Sanghavi表示,Visa的先導測試突顯推行央行數碼貨幣的多個潛在益處,例如結算速度更快、更無縫的大額交易支付體驗、交易透明度更高,以及由全天候在線的支付基礎設施所帶來的不同好處。 Visa與該兩家香港領先銀行合作,於今年5月入選金管局舉辦的「數碼港元」先導計劃。該計劃為全球首次透過合作形式,使用代幣化存款進行銀行間B2B自行交易及跨鏈交易,測試其原子性(atomicity)和相互操作性(interoperability)的用例。Visa指出,將繼續探索更多可行的代幣化存款用例,重點研究方向包括資產市場代幣化、可編程金融、擴展零售方案,以及跨境支付。
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