日本的第二大銀行SMBC計劃簽發Stablecoin

它與雪崩區塊鏈的創始人Ava Labs以及Fireblocks合作

Sumitomo Mitsui Financial Group, the parent company of Japan’s second largest bank SMBC, is planning to issue a stablecoin, according to the Nikkei.

據Nikkei稱，日本第二大銀行SMBC的母公司Sumitomo Mitsui金融集團正計劃發行Stablecoin。

It will be collaborating with Ava Labs, the founder of the Avalanche blockchain, as well as Fireblocks. The bank will also work with Japanese IT firm TIS and plans to carry out experiments in Q4 of this year or Q1 of 2026, with a view to issuing the stablecoin during the following year.

它將與雪崩區塊鏈的創始人Ava Labs以及Fireblocks合作。該銀行還將與日本IT公司TIS合作，併計劃在今年的第四季度或2026年第1季度進行實驗，以期在次年發布Stablecoin。

One of the primary use cases is to enable corporates to move money around the world instantly and 24/7, sidestepping Swift. While Swift payments should in theory be almost instant, in reality they tend to be delayed by foreign banks that have different opening hours and rely on the receiving bank crediting the recipient promptly. Additional intermediary banks are often involved, which are not necessary with stablecoins.

主要用例之一是使企業能夠立即在世界各地轉移資金，而24/7，避開了Swift。儘管從理論上講，迅速付款應該是即時的，但實際上，它們往往會被外國銀行延遲，這些外國銀行的開放時間不同，並且依靠接收銀行迅速將接收者歸功於接收者。通常涉及其他中介銀行，這對於Stablecoins不需要。

This use case is already being targeted by other big US banks. For example, JP Morgan has its Kinexys Digital Payments (formerly JPM Coin), a blockchain-based bank account, and Citi launched its Citi Token Services. Both use permissioned blockchains.

該用例已經成為美國其他大型銀行的目標。例如，JP Morgan擁有基於區塊鏈的銀行帳戶的Kinexys數字支付（以前是JPM Coin），而花旗則推出了花旗令牌服務。兩者都使用許可的區塊鏈。

Ava Labs' blockchain supports both permissionless and permissioned chains as subnets. For example, its Spruce testnet has institutions as validators. Hence, it remains to be seen which path SMBC adopts.

AVA Labs的區塊鏈支持無許可和許可鏈作為子網。例如，其云杉測試網將機構作為驗證器。因此，SMBC採用哪種路徑還有待觀察。

SMBC's other blockchain initiatives

SMBC的其他區塊鏈計劃

Meanwhile, SMBC is also one of the backers of Progmat, the Japanese tokenization platform. It has a stablecoin issuance platform, Progmat Coin. SMBC joined the other big three Japanese banks, MUFG and Mizuho, in an ongoing stablecoin sandwich trial referred to as Project Pax.

同時，SMBC還是日本代幣化平台Pogmat的支持者之一。它具有一個穩定的發行平台Progmat Coin。 SMBC加入了其他三大日本銀行MUFG和Mizuho，參加了正在進行的Stablecoin三明治審判，稱為PAX項目。

A stablecoin sandwich refers to a situation where a stablecoin sits at the heart of a transaction, but it may look like a normal payment to the sender and recipient. The three banks plan for their clients to make trade payments in the usual way, and to use Swift messages. However, stablecoins will replace correspondent banks.

穩定的三明治是指穩定幣位於交易的核心的情況，但看起來像是給發件人和收件人的正常付款。這三家銀行計劃其客戶以通常的方式進行貿易付款，並使用迅速的消息。但是，Stablecoins將取代記者銀行。

Two years ago, our sources told us that SMBC had joined Partior, the cross-border blockchain payment system co-founded by DBS, JP Morgan and Temasek. Partior combines a permissioned blockchain with correspondent banking, removing the typical delays and enabling instant cross-border payments. SMBC has not yet confirmed it will participate in Partior. However, the other bank we reported simultaneously – Deutsche Bank – recently said it invested in Partior, highlighting the accuracy of the report.

兩年前，我們的消息人士告訴我們，SMBC加入了DBS，JP Morgan和Temasek共同創建的跨境區塊鏈支付系統Partior。 Partior將許可的區塊鏈與通訊銀行結合在一起，刪除了典型的延誤，並實現了即時的跨境付款。 SMBC尚未確認它將參與部分。但是，我們同時報告的另一家銀行（德意志銀行）最近表示，它投資了部分，強調了該報告的準確性。

Hence, SMBC is adopting a multipronged approach to speed up cross-border payments using blockchain.

因此，SMBC採用多重方法，使用區塊鏈加快跨境支付。