匯豐銀行推出Gold Token，為香港散戶打開數位資產大門

匯豐銀行正在響應香港政府對數位資產可訪問性的號召，推出代幣化黃金產品。匯豐黃金代幣可在銀行的行動和線上平台上使用，是銀行提供的首款零售代幣化黃金產品，使最終投資者能夠透過中介機構進行交易和分銷。

HSBC Unlocks Tokenized Gold for Retail Investors, Embracing Digital Assets in Hong Kong

匯豐銀行為散戶解鎖代幣化黃金，擁抱香港數位資產

Introduction

介紹

Responding to the Hong Kong government's call for broader access to digital assets, HSBC has unveiled the HSBC Gold Token, a novel product that provides retail investors with a convenient and affordable way to invest in physical gold through tokenization.

為響應香港政府擴大數位資產准入的呼籲，匯豐銀行推出了 HSBC Gold Token，這是一種新穎的產品，為散戶投資者提供了一種透過代幣化投資實物黃金的便捷且實惠的方式。

Tokenized Gold: Bridging the Gap

代幣化黃金：彌合差距

The HSBC Gold Token represents the bank's latest step in bridging the gap between traditional financial assets and the burgeoning digital asset landscape. It involves the tokenization of physical gold, where ownership rights are securely recorded on a blockchain network. This innovative approach offers several advantages over traditional gold investments, including increased accessibility, transparency, and efficiency.

匯豐黃金代幣代表了該銀行在彌合傳統金融資產與新興數位資產領域之間差距的最新舉措。它涉及實體黃金的代幣化，其中所有權被安全地記錄在區塊鏈網路上。與傳統黃金投資相比，這種創新方法具有多種優勢，包括提高可及性、透明度和效率。

Meeting Client Demand

滿足客戶需求

According to Maggie Ng, HSBC's Head of Wealth and Personal Banking, the HSBC Gold Token aligns perfectly with its clients' growing demand for digital assets and their familiarity with gold as an investment. The tokenized gold market has witnessed significant growth, with its global value exceeding US$1 billion in 2022.

匯豐銀行財富及個人銀行業務主管 Maggie Ng 表示，匯豐黃金代幣完全符合客戶對數位資產不斷增長的需求以及他們對黃金投資的熟悉程度。代幣化黃金市場出現了顯著成長，2022 年全球價值將超過 10 億美元。

Leveraging HSBC Orion Platform

利用 HSBC Orion 平台

The HSBC Gold Token is powered by the bank's proprietary digital assets platform, HSBC Orion, and distributed ledger technology. This platform has a track record of facilitating successful tokenization projects, including the issuance of digital green bonds in Hong Kong. The Securities and Futures Commission (SFC) has granted approval for the issuance of the HSBC Gold Token.

匯豐黃金代幣由該銀行專有的數位資產平台 HSBC Orion 和分散式帳本技術提供支援。該平台擁有促進成功代幣化項目的記錄，包括在香港發行數位綠色債券。證券及期貨事務監察委員會（SFC）已批准發行 HSBC Gold Token。

Regulatory Framework

監理框架

The tokenization of assets is a relatively new area, and the Hong Kong government has been proactive in establishing a clear regulatory framework. Last year, the SFC issued a pair of circulars outlining the requirements for issuing tokenized products and assets that can be offered to the public.

資產代幣化是一個相對較新的領域，香港政府一直積極建立明確的監管框架。去年，證監會發布了兩份通知，概述了發行可向公眾發行的代幣化產品和資產的要求。

Efficiency and Transparency

效率和透明度

HSBC anticipates that tokenized products like the HSBC Gold Token will drive innovation and efficiency in the financial sector. By digitizing asset ownership, tokenization streamlines operational processes, promotes transparency, and opens up new possibilities for global access and trading.

匯豐銀行預計，匯豐黃金代幣等代幣化產品將推動金融領域的創新與效率。透過數位化資產所有權，代幣化簡化了營運流程，提高了透明度，並為全球存取和交易開闢了新的可能性。

Blockchain-Powered Platform

區塊鏈驅動的平台

The HSBC Orion platform, underpinned by blockchain technology, plays a pivotal role in facilitating the tokenization of assets. It enables the recording of ownership rights in a secure and immutable manner, ensuring the integrity and transparency of transactions.

以區塊鏈技術為基礎的匯豐Orion平台在促進資產代幣化方面發揮關鍵作用。它能夠以安全且不可變的方式記錄所有權，確保交易的完整性和透明度。

Shorter Issuance Settlement Period

更短的發行結算週期

Notably, HSBC Orion has demonstrated its capabilities in reducing the issuance settlement period for bonds from five days to 24 hours. This efficiency advantage translates into faster and more convenient access to financial products for investors.

值得注意的是，匯豐Orion展現了將債券發行結算週期從5天縮短至24小時的能力。這種效率優勢意味著投資人可以更快、更方便地獲得金融產品。

Broadening Investor Base

擴大投資者基礎

Darryl Chan, Deputy Executive of the Hong Kong Monetary Authority (HKMA), highlighted the role of blockchain-powered platforms in expanding the investor base for bonds. By lowering barriers to entry, tokenization makes investments more accessible, enhances liquidity, and ultimately benefits the financial ecosystem.

香港金融管理局（HKMA）副總裁陳達裡（Darryl Chan）強調了區塊鏈驅動的平台在擴大債券投資者基礎方面的作用。透過降低進入壁壘，代幣化使投資變得更容易，增強流動性，並最終使金融生態系統受益。

HSBC's Commitment to Innovation

匯豐銀行對創新的承諾

HSBC's Chief Digital Executive, Bojan Obradović, emphasized the bank's unwavering commitment to investing in distributed ledger technology and exploring the transformative potential of tokenization. He highlighted the bank's plans to identify and develop additional digital products, including funds, bonds, and tokenized real-world assets.

匯豐銀行首席數位執行長 Bojan Obradović 強調該銀行堅定不移地致力於投資分散式帳本技術並探索代幣化的變革潛力。他強調了該銀行計劃識別和開發更多數位產品，包括基金、債券和代幣化的現實世界資產。

Engagement with HKMA

與金管局的合作

HSBC remains actively engaged with the HKMA in various initiatives, including the development of a central bank digital currency (CBDC) for wholesale and retail use. The bank is also involved in research and innovation related to tokenized deposits and stablecoins.

匯豐銀行仍積極與金管局合作進行各種舉措，包括開發供批發和零售使用的中央銀行數位貨幣（CBDC）。該銀行也參與與代幣化存款和穩定幣相關的研究和創新。

Hong Kong as a Digital Asset Hub

香港作為數位資產中心

Obradović expressed confidence that Hong Kong is well-positioned to become a leading global digital asset hub. He emphasized the need to create a supportive regulatory environment and foster collaboration among market participants to drive adoption and innovation.

奧布拉多維奇表示相信香港有能力成為全球領先的數位資產中心。他強調需要創造一個支持性的監管環境並促進市場參與者之間的合作，以推動採用和創新。

Conclusion

結論

HSBC's launch of the HSBC Gold Token marks a significant milestone in the digital asset landscape. By providing retail investors with an easy and affordable way to access tokenized gold, the bank is empowering its clients to participate in the growing digital asset ecosystem. The convergence of traditional finance and digital innovation, facilitated by blockchain technology, is reshaping the financial industry, and HSBC is at the forefront of this transformation.

匯豐銀行推出 HSBC Gold 代幣標誌著數位資產領域的一個重要里程碑。透過為散戶投資者提供一種簡單且經濟實惠的方式來獲取代幣化黃金，該銀行正在幫助其客戶參與不斷發展的數位資產生態系統。在區塊鏈技術的推動下，傳統金融與數位創新的融合正在重塑金融業，而匯豐銀行則處於這項轉型的最前線。