Hokkoku 銀行推出日本首個銀行支持的穩定幣“Tochika”

Hokkoku Bank 推出了日本首個銀行存款支持的穩定幣「Tochika」。透過其 Tochituka 應用程序，用戶可以直接從銀行帳戶充值穩定幣，並在參與的商家付款。該銀行的目標是擴大商家接受度並降低處理費用，以在日本這樣以現金為中心的社會中推廣數位支付。

Hokkoku Bank Introduces Japan's First Bank-Backed Stablecoin

Hokkoku 銀行推出日本首個銀行支援的穩定幣

Ishikawa, Japan – February 14, 2023 – Hokkoku Bank, a regional financial institution headquartered in the Ishikawa prefecture of Japan, has announced the launch of Tochika, a groundbreaking stablecoin backed by bank deposits. This development marks a significant milestone in the convergence of traditional finance and blockchain technology in Japan.

日本石川 - 2023 年 2 月 14 日 - 總部位於日本石川縣的區域金融機構 Hokkoku Bank 宣布推出 Tochika，這是一種由銀行存款支持的突破性穩定幣。這一發展標誌著日本傳統金融和區塊鏈技術融合的一個重要里程碑。

Seamless Integration with Digital Payments

與數位支付無縫集成

Tochika is designed to be seamlessly integrated with Hokkoku Bank's existing digital payments mobile application. Users can effortlessly fund their Tochika wallets directly from their bank accounts, enabling them to make payments at participating local merchant stores using the stablecoin.

Tochika 旨在與 Hokkoku Bank 現有的數位支付行動應用程式無縫整合。用戶可以毫不費力地直接從他們的銀行帳戶為他們的 Tochika 錢包提供資金，使他們能夠使用穩定幣在參與的當地商家商店進行付款。

Efforts to Expand Merchant Adoption

努力擴大商家採用率

Hokkoku Bank is actively engaged in onboarding a growing number of merchants to support Tochika payments. To incentivize adoption, the bank has implemented a competitive processing fee structure, lowering it to a mere 0.5%.

Hokkoku Bank 積極致力於讓越來越多的商家支持 Tochika 支付。為了激勵採用，該銀行實施了具有競爭力的手續費結構，將其降低至僅 0.5%。

Addressing Japan's Cash-Centric Culture

解決日本以現金為中心的文化

Japan remains a predominantly cash-based society, with digital payment solutions facing challenges in gaining widespread acceptance. Hokkoku Bank aims to address this by leveraging the convenience and stability of Tochika to encourage merchants and consumers to embrace digital transactions.

日本仍然是一個以現金為主的社會，數位支付解決方案在廣泛接受方面面臨挑戰。 Hokkoku Bank 旨在透過利用 Tochika 的便利性和穩定性來鼓勵商家和消費者接受數位交易來解決這個問題。

Tochituka App as a Platform for Growth

Tochituka 應用程式作為成長平台

Hokkoku Bank's Tochituka app, launched in September 2023 through a partnership with Kono Shinkin Bank, serves as the backbone for Tochika payments. The app initially allowed users to convert community volunteer points into digital payments accepted at participating stores.

Hokkoku 銀行的 Tochituka 應用程式於 2023 年 9 月與河野信用銀行合作推出，是 Tochika 支付的支柱。該應用程式最初允許用戶將社區志工積分轉換為參與商店接受的數位支付。

Targeting the Gift Card Market

瞄準禮品卡市場

Beyond merchant payments, Hokkoku Bank recognizes the substantial market size of gift certificates in Japan, estimated to reach $29.7 billion by 2028. The bank sees potential to provide digital gift card solutions to issuers currently relying on paper certificates.

除了商家支付之外，北國銀行也意識到日本禮券的龐大市場規模，預計到 2028 年將達到 297 億美元。該銀行看到了為目前依賴紙質禮券的發行機構提供數位禮品卡解決方案的潛力。

Hokkoku Bank's Blockchain Infrastructure

Hokkoku 銀行的區塊鏈基礎設施

Hokkoku Bank is reportedly leveraging the Hyperledger Iroha network to support its stablecoin operations, demonstrating the bank's commitment to industry-leading blockchain technology.

據報道，Hokkoku 銀行正在利用 Hyperledger Iroha 網路來支援其穩定幣業務，這表明了該銀行對該行業領先區塊鏈技術的承諾。

Growing Popularity of Tokenized Deposits

代幣化存款越來越受歡迎

Tokenized deposits are gaining traction globally as a bridge between traditional banking and blockchain-powered stablecoins. The Bank for International Settlements (BIS) has acknowledged their potential to enhance the "singleness of money."

作為傳統銀行業和區塊鏈驅動的穩定幣之間的橋樑，代幣化存款在全球範圍內越來越受歡迎。國際清算銀行（BIS）承認它們有增強「貨幣單一性」的潛力。

Global Initiatives in Tokenized Deposits

代幣化存款的全球舉措

Various monetary authorities and commercial banks worldwide are exploring tokenized deposit projects. In South Korea, the central bank is collaborating with LG, while in Australia, regulators view tokenized deposits as the future of the financial system.

全球各地的貨幣當局和商業銀行都在探索代幣化存款項目。在韓國，央行正在與 LG 合作，而在澳大利亞，監管機構將代幣化存款視為金融體系的未來。

Citibank's Tokenization Initiative

花旗銀行的代幣化計劃

In the United States, Citibank launched Citi Token Services in September 2023. This service enables clients to convert deposits into digital tokens on the blockchain, facilitating 24/7 transfers at reduced costs. However, this offering is currently limited to the bank's most affluent customers.

在美國，花旗銀行於 2023 年 9 月推出了花旗代幣服務。該服務使客戶能夠將存款轉換為區塊鏈上的數位代幣，以更低的成本實現 24/7 轉帳。然而，這項服務目前僅限於該銀行最富裕的客戶。

Educational Resources for Blockchain Beginners

區塊鏈初學者的教育資源

For those new to the world of blockchain, CoinGeek's dedicated Blockchain for Beginners section provides comprehensive educational resources to enhance understanding of this transformative technology.

對於剛接觸區塊鏈世界的人來說，CoinGeek 專門的區塊鏈初學者部分提供了全面的教育資源，以增強對這項變革性技術的理解。