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螞蟻國際聯合國際掉期和衍生工具協會 推跨境支付代幣化框架標準
螞蟻國際與國際掉期和衍生工具協會(ISDA)在新加坡金融管理局「Project Guardian」支持下,聯合發佈《代幣化存款在交易銀行業務中的應用》白皮書,推動代幣化存款與共享分類帳在跨境支付及外匯結算領域的發展,並提出代幣化存款技術的基本原則和標準。 ISDA是全球銀行業外匯和跨境交易相關標準的重要制定者。螞蟻國際主要爲全球企業、金融機構提供跨境支付和金融科技服務。二者是新加坡金融管理局「Project Guardian」中外匯工作組的兩位聯合牽頭人;項目參與機構還包括紐約梅隆銀行、全球金融市場協會外匯分會、匯豐銀行及華僑銀行等。 報告主要內容包括提出代幣化存款的設計原則和行業標準並確保互操作性;系統闡述基於共享分類帳技術的支付體系關鍵風險及應對措施;通過交易銀行業務的實際用例驗證其可行性。據測算,該框架有望將跨境交易成本降低12.5%,到2030年可爲企業節省逾500億美元(摺合約642億新元)支出。作爲配套支持,ISDA基於現有框架,特別制定適用於外匯交易場景的代幣化存款標準文件,爲技術應用提供完備的合規保障。 實際用例證明,代幣化存款與共享分類帳技術能顯着提升跨境支付的速度、安全和效率。如螞蟻國際推出的名爲Whale的實時多幣種清結算的全球財資管理平臺,運用區塊鏈、加密技術和AI能力,支持全天候即時外匯結算,將原本1至3天的結算週期縮短至分鐘級甚至秒級。2024年於螞蟻國際整體1萬億美元資金流中,逾三分一透過Whale平臺進行。花旗銀行、匯豐銀行、渣打銀行、德意志銀行、法國巴黎銀行等已與螞蟻國際達成合作,在Whale平臺推出代幣化存款服務。 此外,螞蟻國際與ISDA均表示,未來「Project Guardian」外匯行業組將持續拓展共享分類帳及代幣化存款的應用場景,通過開發更多數字經濟用例推動技術應用。相關工作包括對接現有銀行系統架構、支持其他數字資產集成,確保大型和中小型企業均能受益於該項創新技術。 新加坡金融管理局首席金融科技官倪秉榮稱,依託共享分類帳技術的基礎設施,代幣化存款技術能實現全天候即時跨境結算,助力提升交易銀行業務的資金流動性管理。期待與「Project Guardian」成員攜手推進相關工作,共同提升全球金融市場運行效率。 螞蟻國際平臺科技負責人黎粵表示,將持續升級Whale平臺,藉助代幣化存款與穩定幣等共享分類帳技術,爲不同規模的企業提供支持。
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