美國銀行大廠聯手探索區塊鏈結算網絡

花旗、摩根大通、萬事達卡、Swift 和德勤正在合作進行一個研究項目，探索多資產交易的共享帳本技術。監管結算網絡 (RSN) 概念驗證 (PoC) 將調查為商業銀行資金、批發央行資金以及美國國債和投資級債務等資產創建一個受監管的場所。紐約聯邦儲備銀行創新中心將作為公正的第三方觀察員。

Major US Financial Institutions Unite to Explore Blockchain-Based Settlement Network

美國主要金融機構聯合探索基於區塊鏈的結算網絡

In a groundbreaking move, leading financial institutions Citi, JPMorgan, Mastercard, Swift, and Deloitte have joined forces to launch a comprehensive research project that aims to harness blockchain technology to revolutionize multi-asset transactions denominated in US dollars. This initiative, known as the Regulated Settlement Network (RSN) proof-of-concept (PoC), is set to explore the creation of a fully regulated venue that encompasses commercial bank money, wholesale central bank money, and assets such as U.S. Treasury bonds and investment-grade debt.

領先的金融機構花旗、摩根大通、萬事達卡、Swift 和德勤聯手推出了一項開創性的綜合研究項目，旨在利用區塊鏈技術徹底改變以美元計價的多資產交易。該措施被稱為監管結算網路（RSN）概念驗證（PoC），旨在探索創建一個完全受監管的場所，其中包括商業銀行資金、批發央行資金以及美國國債等資產和投資級債務。

The project will be independently observed by the New York Federal Reserve Bank Innovation Centre, ensuring impartial oversight and rigorous analysis. This collaboration underscores the urgent need for financial market infrastructures to adapt to the advent of digital assets within well-defined regulatory frameworks.

該計畫將由紐約聯邦儲備銀行創新中心獨立觀察，確保公正的監督和嚴格的分析。這項合作凸顯了金融市場基礎設施​​迫切需要在明確的監管框架內適應數位資產的出現。

Commenting on the significance of this undertaking, Debopama Sen, Citi's Global Head of Payments, expressed the company's enthusiasm to investigate the transformative potential of this initiative. As the digital economy continues to evolve, such innovations are crucial for the modernization and efficiency of financial services.

花旗全球支付主管 Debopama Sen 在評論這項措施的重要性時表示，該公司熱衷於研究這項措施的變革潛力。隨著數位經濟的不斷發展，此類創新對於金融服務的現代化和效率至關重要。

The RSN PoC aligns with the broader debate surrounding central bank digital currencies (CBDCs) in the United States. Despite reservations expressed by Federal Reserve Chair Jerome Powell, CBDCs have emerged as a prominent topic in the upcoming presidential election. Powell's reluctance stems from concerns about the potential for CBDCs to enable government oversight of customer transactions.

RSN PoC 與圍繞美國央行數位貨幣 (CBDC) 的更廣泛辯論相一致。儘管聯準會主席鮑威爾表示保留，但 CBDC 已成為即將到來的總統選舉的一個突出話題。鮑威爾的不情願源於對 CBDC 使政府能夠監督客戶交易的潛力的擔憂。

Following the completion of the initial phase, participants will have the option to opt out of further involvement. However, the project's overall objective remains to foster consensus on the integration of blockchain technology within the US financial system. The consortium plans to publish its findings upon the conclusion of the partnership.

初始階段完成後，參與者可以選擇退出進一步參與。然而，該計畫的總體目標仍然是就區塊鏈技術在美國金融體系中的整合達成共識。該聯盟計劃在合作結束後公佈其調查結果。

Raj Dhamodharan, Mastercard's Executive Vice President for Blockchain and Digital Assets, highlighted the immense potential of blockchain-based dollar settlements to facilitate frictionless, 24/7 programmable settlements. The project's administration will be handled by SIFMA, the Securities Industry and Financial Markets Association. Notably, other prominent institutions participating in the RSN PoC include Zions Bancorp, Wells Fargo, Visa, USDF, U.S. Bank, and TD Bank N.A.

萬事達卡區塊鏈和數位資產執行副總裁 Raj Dhamodharan 強調了基於區塊鏈的美元結算在促進無摩擦、24/7 可程式結算方面的巨大潛力。此專案的管理將由美國證券業和金融市場協會 (SIFMA) 負責。值得注意的是，其他參與 RSN PoC 的知名機構包括 Zions Bancorp、富國銀行、Visa、USDF、U.S. Bank 和 TD Bank N.A.。

This groundbreaking collaboration marks a significant stride towards harnessing the transformative power of blockchain technology and distributed ledger systems to enhance the efficiency, transparency, and accessibility of financial transactions. As the digital economy continues to flourish, the RSN PoC serves as a beacon of innovation and collaboration, paving the way for a secure, interoperable, and inclusive financial infrastructure for the future.

這項突破性的合作標誌著在利用區塊鏈技術和分散式帳本系統的變革力量來提高金融交易的效率、透明度和可近性方面邁出了重大一步。隨著數位經濟的不斷蓬勃發展，RSN PoC 成為創新與協作的燈塔，為未來安全、可互通和包容性的金融基礎設施鋪平了道路。