德意志銀行推出基於以太坊的 Layer 2 解決方案，稱為 Project Dama 2

傳統金融機構也開始在Layer 2發力。

Deutsche Bank, a traditional financial institution, is preparing to launch Project Dama 2, a Layer 2 solution based on Ethereum. This move is part of a larger trend in which secure and compliant blockchain solutions are being introduced into the core of traditional finance.

傳統金融機構德意志銀行正準備推出以以太坊為基礎的 Layer 2 解決方案 Project Dama 2。這項措施是安全、合規的區塊鏈解決方案被引入傳統金融核心的更大趨勢的一部分。

Deutsche Bank’s Layer 2 solution is designed to address the challenges that financial institutions face when using public blockchains. These challenges include the unknown identity of transaction validators, fees flowing to sanctioned entities, and the risk of hard forks.

德意志銀行的 Layer 2 解決方案旨在解決金融機構在使用公共區塊鏈時面臨的挑戰。這些挑戰包括交易驗證者的身分未知、流向受制裁實體的費用以及硬分叉的風險。

The project leader believes that public chains such as Ethereum are full of risks for regulated lenders. These include the inability to determine “who is actually validating these transactions”, whether transaction fees may be paid to sanctioned entities, and the threat of major changes to the ledger due to unforeseen hard forks.

專案負責人認為，以太坊等公鏈對於受監管的貸方來說充滿風險。其中包括無法確定“誰在實際驗證這些交易”，交易費用是否可以支付給受制裁的實體，以及由於不可預見的硬分叉而導致帳本發生重大變化的威脅。

The Layer 2 component may give banks the freedom to experiment with public chains. This would allow banks to tailor a “more personalized list of validators” who process digital asset transactions to earn rewards. Other benefits include the potential to give regulators - and only regulators - “super administrator privileges,” meaning they can review the flow of funds when necessary.

Layer 2 組件可以讓銀行自由地嘗試公共鏈。這將使銀行能夠自訂“更個性化的驗證者清單”，這些驗證者處理數位資產交易以獲得獎勵。其他好處包括有可能賦予監管機構——而且只有監管機構——“超級管理員特權”，這意味著他們可以在必要時審查資金流動。

“Many of these regulatory concerns should be addressed by using a dual-chain architecture,” he added.

「許多監管問題應該透過使用雙鏈架構來解決，」他補充道。

Proponents, including Deutsche Bank, view blockchain as an opportunity to combat squeezed margins in the financial services industry. However, there are questions about how deeply banks should get involved in the crypto ecosystem.

包括德意志銀行在內的支持者將區塊鏈視為應對金融服務業利潤擠壓的機會。然而，銀行應在多大程度上參與加密生態系統仍存在疑問。

Adriano Feria.eth, an industry insider, believes that the level of regulatory compliance required by these institutions is impossible to achieve on any Layer 1 blockchain. For institutions that require strict supervision and interoperability, the only pragmatic options are to run their own private, permissioned Layer 1 chain or to leverage Ethereum’s L2 ecosystem.

業內人士Adriano Feria.eth認為，這些機構所要求的監管合規水準在任何Layer 1區塊鏈上都是不可能達到的。對於需要嚴格監管和互通性的機構來說，唯一務實的選擇是運行自己的私有、經過許可的第 1 層鍊或利用以太坊的 L2 生態系統。

Deutsche Bank has been actively exploring cryptocurrencies in 2024. In June, Deutsche Bank provided BitPanda with an API-based account solution, enabling it to access the German International Bank Account Number (IBAN), an internationally recognized code that helps banks securely process international transfers. BitPanda plans to use this service to improve the efficiency and security of fund transfers.

德意志銀行在2024年一直在積極探索加密貨幣。幫助銀行安全地處理國際轉帳。 BitPanda 計劃利用這項服務來提高資金轉移的效率和安全性。

Deutsche Bank also provides multi-currency accounts and foreign exchange services to crypto market maker Keyrock to help it optimize and expand its market making and over-the-counter (OTC) services in EMEA, APAC and LATAM.

德意志銀行也向加密貨幣做市商 Keyrock 提供多幣種帳戶和外匯服務，幫助其優化和擴展其在歐洲、中東和非洲、亞太地區和拉丁美洲地區的做市和場外交易 (OTC) 服務。

On November 27, Deutsche Bank joined the B round of financing of Singapore blockchain fintech company Partior as a strategic investor, supporting Partior to expand its cross-border settlement capabilities and develop functions such as instant foreign exchange swaps and multi-bank payments.

11月27日，德意志銀行以策略投資人身分參與新加坡區塊鏈金融科技公司Partior的B輪融資，支援Partior拓展跨國結算能力，開發即時外匯掉期、多銀行支付等功能。

On December 10, Deutsche Bank also announced a partnership with Crypto.com to provide corporate banking services in Singapore, Australia and Hong Kong. The two parties plan to further expand the scope of cooperation in the future.

12月10日，德意志銀行也宣布與Crypto.com建立合作夥伴關係，在新加坡、澳洲和香港提供企業銀行服務。未來雙方計劃進一步擴大合作範圍。

While some traditional banks were initially hesitant to engage with blockchain technology due to concerns about its immaturity and the regulatory landscape, the maturing cryptocurrency ecosystem now presents an opportunity for banks to reimagine traditional financial services.

雖然一些傳統銀行最初由於擔心區塊鏈技術的不成熟和監管環境而對採用區塊鏈技術猶豫不決，但成熟的加密貨幣生態系統現在為銀行重新構想傳統金融服務提供了機會。

For example, in November, UBS announced the creation and piloting of a blockchain-based payment solution, called UBS Digital Cash. In the same month, JP Morgan announced a major upgrade to its blockchain platform, which was renamed Kinexys from Onyx.

例如，11 月，瑞銀宣布創建並試行基於區塊鏈的支付解決方案，稱為瑞銀數位現金。同月，摩根大通宣布對其區塊鏈平台進行重大升級，將其從 Onyx 更名為 Kinexys。

According to JP Morgan, JP Morgan's blockchain business has executed more than $1.5 trillion in transactions since its establishment in 2020, including intraday repurchases and cross-border payments, with an average daily processing amount of more than $2 billion. Its users include global companies such as Siemens, BlackRock and Ant International.

據摩根大通稱，摩根大通區塊鏈業務自2020年成立以來已執行超過1.5兆美元交易，包括日內回購和跨境支付，每日平均處理金額超過20億美元。其用戶包括西門子、貝萊德和螞蟻國際等全球公司。

Overall, as Adriano Feria.eth, an industry insider, suggests, Deutsche Bank's entry into Ethereum L2 may be part of a not-so-subtle experiment, which is more secure and compliant blockchain solutions being introduced into the heart of traditional finance.

總體而言，正如業內人士Adriano Feria.eth 所暗示的那樣，德意志銀行進入以太坊L2 可能是一個不那麼微妙的實驗的一部分，即將更安全、更合規的區塊鏈解決方案引入傳統金融的核心。

Other members of Singapore's Project Guardian may follow suit, leading to a broader adoption of Web3 technology and blockchain solutions by traditional financial institutions.

新加坡 Project Guardian 的其他成員可能會效仿，導致傳統金融機構更廣泛地採用 Web3 技術和區塊鏈解決方案。