中銀香港(02388.HK)完成數碼港元先導計劃第二階段測試
中銀香港(02388.HK)公佈,完成香港金融管理局「數碼港元+」項目下的「數碼港元」先導計劃第二階段試驗,在預付消費及專款專用場景中,利用數字貨幣的可編程性進行驗證,以探索「數碼港元」在零售場景中的真實商業應用。
在預付消費場景中,中銀香港透過自行搭建的聯盟區塊鏈,測試創新的「統一錢包」概念。通過身份驗證的客戶會獲發放專屬的「統一錢包」,並可連接至不同銀行的流動應用程式,以便管理名下的模擬「數碼港元」。交易過程中,客戶及銀行均須進行數碼簽署認證,並利用智能合約確保預付交易按預定條件執行,以保障客戶及商戶的資金安全。爲進行實境測試,中銀香港與其他銀行合作,邀請近500名員工於 Pacific Coffee 使用模擬「數碼港元」預付套票消費,累計完成逾 1,500筆交易。
在專款專用場景中,中銀香港聯同新輝(建築管理)有限公司制訂優化資金流管理方案,測試利用智能合約的可編程性,根據預設條件向特定戶口發放資金,保障及平衡各持份者的權益。
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