日本銀行率先推出銀行支持的穩定幣“Tochika”

日本地方銀行 Hokkoku 推出了日本第一個由銀行存款支持的穩定幣 Tochika。此舉引發了人們對現金仍廣泛使用的日本穩定幣潛在利弊的質疑。 Hokkoku 旨在以低商家費率吸引企業進行無現金交​​易，並吸引其他銀行加入其計劃。這項進展正值日本監管變化之際，允許三種類型的穩定幣，包括由銀行支持的穩定幣。

Japan's Hokkoku Bank Pioneers Bank-Backed Stablecoin 'Tochika'

日本 Hokkoku 銀行開創了銀行支持的穩定幣“Tochika”

Tokyo, Japan - Hokkoku Bank, a regional financial institution based in Japan, has made a groundbreaking move by introducing 'Tochika,' the first stablecoin in the country to be backed by bank deposits. The development has sparked a wave of curiosity and debate among Japanese crypto enthusiasts, raising questions about its potential benefits, limitations, and future implications.

日本東京 - Hokkoku Bank 是一家總部位於日本的區域金融機構，推出了該國第一個由銀行存款支持的穩定幣“Tochika”，這是一項開創性舉措。這一發展引發了日本加密貨幣愛好者的好奇心和爭論，引發了對其潛在好處、局限性和未來影響的質疑。

Background and Motivation

背景和動機

Hokkoku Bank's decision to launch Tochika stems from the success of its 'Tochituka' app, a mobile payment platform developed in collaboration with the Suzu City government last year. The app enables citizens to earn and spend 'Tochipo' points at participating local businesses. The bank aims to leverage this existing infrastructure and expand the functionality of the Tochituka app by introducing a stablecoin that can be seamlessly integrated with it.

Hokkoku Bank 決定推出 Tochika 源自於其「Tochituka」應用程式的成功，該應用程式是去年與珠洲市政府合作開發的行動支付平台。該應用程式使公民能夠在參與的當地企業賺取和消費“Tochipo”積分。該銀行旨在利用現有的基礎設施，並透過引入可與其無縫整合的穩定幣來擴展 Tochituka 應用程式的功能。

Features and Security

功能和安全性

Tochika is a cryptocurrency pegged to the Japanese yen and is backed by deposits held at Hokkoku Bank. This means that the value of Tochika remains relatively stable, minimizing the volatility associated with other cryptocurrencies. Users can purchase Tochika using the Tochituka app and utilize it for convenient and secure payments at participating merchants.

Tochika 是一種與日圓掛鉤的加密貨幣，並由 Hokkoku 銀行持有的存款作為支持。這意味著 Tochika 的價值保持相對穩定，最大限度地減少了與其他加密貨幣相關的波動性。用戶可以使用 Tochituka 應用程式購買 Tochika，並利用它在參與商家進行方便、安全的付款。

The bank has emphasized the security of Tochika, stating that it is backed by the same level of trust and reliability associated with traditional bank deposits. This assurance is likely to be a key factor in gaining the confidence of retail businesses and consumers alike.

該銀行強調了 Tochika 的安全性，並表示它得到了與傳統銀行存款相同水準的信任和可靠性的支持。這種保證可能是贏得零售企業和消費者信心的關鍵因素。

Retail Focus and Merchant Adoption

零售焦點與商家採用

Hokkoku Bank has placed a strong emphasis on targeting retail customers and businesses with Tochika. The bank plans to offer competitive merchant fees of just 0.5% for cashless transactions through the Tochituka app. This move is intended to encourage businesses to embrace digital payments and transition away from cash transactions, which still dominate the Japanese market.

Hokkoku Bank 非常重視利用 Tochika 瞄準零售客戶和企業。該銀行計劃為透過 Tochituka 應用程式進行的無現金交易提供具有競爭力的 0.5% 的商家費用。此舉旨在鼓勵企業接受數位支付並擺脫現金交易，而現金交易仍主導日本市場。

Additionally, Hokkoku Bank is actively engaging with companies that issue paper gift certificates to encourage them to adopt the Tochituka app and facilitate point-based transactions instead. By digitizing these transactions, businesses can streamline their operations and enhance customer convenience.

此外，北國銀行也積極與發行紙質禮券的公司合作，鼓勵他們採用 Tochituka 應用程式並促進基於積分的交易。透過將這些交易數位化，企業可以簡化營運並提高客戶便利性。

Expansion Plans and Future Developments

擴張計畫和未來發展

Hokkoku Bank has ambitious plans for the future of Tochika. The bank intends to introduce person-to-person payments within the Tochituka app by the end of the year. Moreover, it aims to persuade other banks within the Ishikawa prefecture to join the initiative, creating a wider ecosystem for Tochika's usage. Ultimately, the bank envisions expanding Tochika's reach to other regions of Japan.

北國銀行對 Tochika 的未來制定了雄心勃勃的計劃。該銀行計劃在今年年底前在 Tochituka 應用程式中引入個人對個人的支付功能。此外，它的目的是說服石川縣內的其他銀行加入該計劃，為 Tochika 的使用創建更廣泛的生態系統。最終，該銀行希望將 Tochika 的業務範圍擴大到日本其他地區。

The technological foundation for Tochika is provided by Digital Platformer, a Japanese software development company. The platform is believed to utilize Hyperledger Iroha, a blockchain framework developed by Japanese company Soramitsu.

Tochika 的技術基礎由日本軟體開發公司 Digital Platformer 提供。據信該平台利用了由日本公司 Soramitsu 開發的區塊鏈框架 Hyperledger Iroha。

Regulatory Landscape and Industry Support

監管環境和產業支持

Hokkoku Bank's launch of Tochika comes at a time of evolving regulatory policies in Japan. The government has recently enacted new laws that recognize and regulate three types of stablecoins, including those backed by banks. This regulatory framework provides a solid foundation for the development and adoption of Tochika and other stablecoins in the country.

Hokkoku Bank 推出 Tochika 之際，正值日本監管政策不斷變化之際。政府最近頒布了新的法律，承認和監管三種類型的穩定幣，包括由銀行支持的穩定幣。這個監管框架為 Tochika 和其他穩定幣在該國的開發和採用奠定了堅實的基礎。

In addition, other significant initiatives are taking place in Japan's stablecoin ecosystem. MUFG, one of Japan's largest banks, has launched its Progmat Coin platform, which enables the issuance of stablecoins backed by various trust banks. DCJPY, a deposit token project, is also set to launch in the current quarter. These developments indicate a growing momentum and interest in stablecoins within the Japanese financial sector.

此外，日本的穩定幣生態系統正在採取其他重大措施。日本最大的銀行之一三菱日聯金融集團 (MUFG) 推出了 Progmat Coin 平台，可以發行由各信託銀行支持的穩定幣。 DCJPY 是一個存款代幣項目，也將於本季推出。這些事態發展顯示日本金融部門對穩定幣的勢頭和興趣不斷增長。

Conclusion

結論

Hokkoku Bank's launch of Tochika has injected a new level of innovation into the Japanese financial and cryptocurrency landscapes. The bank's focus on retail customers, merchant adoption, and the backing of traditional bank deposits sets Tochika apart from other stablecoin initiatives worldwide. As the project evolves and expands, it will be crucial to monitor its impact on the broader Japanese economy and its potential to revolutionize the way people think about digital payments.

Hokkoku 銀行推出 Tochika 為日本金融和加密貨幣領域注入了新的創新水平。該銀行對零售客戶、商家採用以及對傳統銀行存款的支援的關注，使 Tochika 與全球其他穩定幣計畫區分開來。隨著該計畫的發展和擴大，監控其對更廣泛的日本經濟的影響及其徹底改變人們對數位支付方式的看法將至關重要。