DBS 代幣服務可實現即時、24/7 即時支付結算

星展銀行代幣服務透過整合銀行的以太坊虛擬機器相容於許可區塊鏈、其核心支付引擎和多個產業支付基礎設施，實現即時、24/7 即時支付結算。

DBS Token Services, a suite of blockchain-powered solutions, is poised to revolutionise the financial landscape. This latest offering from DBS, powered by its permissioned blockchain, integrates with the bank's core payment engine and multiple industry payment infrastructures to enable 24/7 real-time settlement of payments.

星展銀行代幣服務是一套由區塊鏈驅動的解決方案，可望徹底改變金融格局。星展銀行的這一最新產品由其許可的區塊鏈提供支持，與銀行的核心支付引擎和多個行業支付基礎設施集成，以實現 24/7 實時支付結算。

Institutions can now harness the programmability of smart contracts to govern the use of funds based on predefined conditions, enhancing security and transparency. DBS's permissioned blockchain provides the bank with complete control over these services, allowing it to leverage the benefits of blockchain technology while adhering to compliance standards.

機構現在可以利用智慧合約的可程式性來根據預先定義的條件管理資金的使用，從而增強安全性和透明度。星展銀行的許可區塊鏈使銀行能夠完全控制這些服務，使其能夠利用區塊鏈技術的優勢，同時遵守合規標準。

DBS Token Services, a culmination of several years of industry collaborations and experimentation in digital money innovations, includes three key solutions: Treasury Tokens, Conditional Payments, and Programmable Rewards, showcasing how established financial institutions can integrate blockchain technology and smart contracts to deliver new client experiences.

星展銀行代幣服務是數年行業合作和數位貨幣創新實驗的結晶，包括三個關鍵解決方案：國庫代幣、有條件支付和可編程獎勵，展示了成熟的金融機構如何整合區塊鏈技術和智能合約來交付新客戶經驗。

Lim Soon Chong, Group Head of Global Transaction Services, DBS Bank, said: "Companies and public sector entities are fundamentally rethinking their operating models and customer engagement strategies to capture the massive shift of human and corporate activity to on-demand digital services. A new generation of "always-on" banking services is critical to support this shift and transformation."

星展銀行全球交易服務集團主管 Lim Soon Chong 表示：「公司和公共部門實體正在從根本上重新思考其營運模式和客戶參與策略，以抓住人類和企業活動向按需數位服務的巨大轉變。新一代“永遠在線”的銀行服務對於支持這一轉變和轉型至關重要。

"DBS Token Services, by enabling tokenisation and smart contract capabilities, empowers companies and public sector entities to optimise liquidity management, streamline operational workflows, strengthen business resilience, and unlock new opportunities for end-customer or end-user engagement. It marks a significant step forward in transaction banking and demonstrates how established financial institutions can leverage blockchain technology to deliver new ground-breaking features and experiences," he added.

「星展銀行代幣服務透過支援代幣化和智慧合約功能，使公司和公共部門實體能夠優化流動性管理、簡化營運工作流程、增強業務彈性，並為最終客戶或最終用戶參與創造新的機會。

DBS recently launched Treasury Tokens, a next-generation treasury and liquidity management solution, in a pilot with Ant International. This solution currently supports ongoing intra-group transfers within Ant International.

星展銀行最近與螞蟻國際合作試點推出了國庫代幣，這是下一代國庫和流動性管理解決方案。該解決方案目前支援螞蟻國際內部正在進行的集團內轉帳。

Empowering large corporations operating across multiple markets to settle multi-currency intra-group transactions instantly on a 24/7 basis, Treasury Tokens are not constrained by currency cut-off timings and non-banking hours associated with traditional banking systems. These tokens provide corporate treasurers with greater visibility, predictability and control as they navigate the complexities of an increasingly real-time world.

Treasury Token 讓跨多個市場營運的大型企業能夠 24/7 即時結算多幣種集團內部交易，不受傳統銀行系統相關的貨幣截止時間和非銀行營業時間的限制。這些代幣為企業財務主管提供了更大的可見性、可預測性和控制力，幫助他們應對日益實時的世界的複雜性。

Building upon DBS' recent programmable grant disbursements pilot with Enterprise Singapore and Singapore Fintech Association, DBS will explore the further application of Conditional Payments, opening up new possibilities for smart contracts to improve payment workflows. The pilot demonstrated the ability to programme conditions governing the disbursement of funds, providing the agency with enhanced governance control over disbursements handled by its appointed intermediary.

基於星展銀行最近與新加坡企業發展局和新加坡金融科技協會進行的可編程撥款支付試點，星展銀行將探索有條件付款的進一步應用，為智能合約改善支付工作流程開闢新的可能性。該試點計畫展示了製定資金支付條件的能力，為該機構提供了對其指定中介機構處理的支付加強的治理控制。

Offering institutions the potential to redesign and automate overall payment workflows, Conditional Payments can be extended to varying forms of intermediated payments and milestone-based payments. Institutions and their partners stand to benefit from greater transparency, operating efficiencies and control in transactions.

有條件支付為機構提供了重新設計和自動化整體支付工作流程的潛力，可以擴展到各種形式的中間支付和基於里程碑的支付。機構及其合作夥伴將從更高的透明度、營運效率和交易控制中受益。

DBS will also be exploring the application of smart contracts for Programmable Rewards. This solution enables institutions to leverage on programmability to curate digital voucher programmes for their customers in a cost-effective manner.

星展銀行也將探索智能合約在可程式獎勵的應用。該解決方案使機構能夠利用可編程性以經濟高效的方式為其客戶策劃數位優惠券計劃。

As part of this exploration, DBS Hong Kong recently announced its participation in the second phase of the Hong Kong Monetary Authority's e-HKD Pilot Programme. DBS' pilot aims to examine the use of programmable rewards and a hypothetical e-HKD - a digital Hong Kong dollar - to enhance a consumer incentive programme on an Environmental, Social, and Governance (ESG) reward platform. Participating corporates can create ESG campaigns and set redemption guidelines to foster a green corporate culture and promote participation. Users who complete green actions will receive new digital vouchers, which can be used to purchase green products and services at designated small and mediums-sized merchants.

作為這項探索的一部分，星展香港最近宣布參與香港金融管理局電子港幣試點計畫第二階段。星展銀行的試點旨在研究可編程獎勵和假設的電子港元（一種數位港元）的使用，以加強環境、社會和治理（ESG）獎勵平台上的消費者激勵計劃。參與企業可以發起ESG活動並制定兌換準則，以培育綠色企業文化並促進參與。完成綠色行動的用戶將獲得新的數位代金券，可用於在指定中小型商家購買綠色產品和服務。

Since 2016, DBS has been a driving force in several industry initiatives led by the Monetary Authority of Singapore to explore the potential of blockchain technology in enhancing Singapore's financial landscape. Key initiatives include Project Ubin, Project Orchid, and Project Guardian.

自 2016 年以來，星展銀行一直是新加坡金融管理局領導的多項產業舉措的推動力量，旨在探索區塊鏈技術在增強新加坡金融格局方面的潛力。主要舉措包括 Project Ubin、Project Orchid 和 Project Guardian。

DBS Token Services continues to explore broader applications of blockchain-enabled solutions, including the tokenisation of securities and digitalisation of trade finance. These innovations reflect DBS' ongoing commitment to building a more robust and innovative banking landscape.

星展代幣服務繼續探索區塊鏈解決方案的更廣泛應用，包括證券代幣化和貿易融資數位化。這些創新反映了星展銀行對建立更穩健和創新的銀行業格局的持續承諾。