SWIFT 準備推出 CBDC 連結平台

連接全球私人銀行的全球金融報文標準營運商 SWIFT 正在進軍央行數位貨幣 (CBDC) 業務。這家總部位於比利時的財團公佈了推出 CBDC 平台的計劃，該平台將連接各種國家的數位貨幣和現有的金融系統。 SWIFT 在此之前進行了為期六個月的實驗，旨在確定解決方案的可行性。該試點被認為是成功的，涉及 38 家金融機構，包括中央銀行、商業銀行和其他參與者。

SWIFT Embarks on CBDC Connectivity Platform Launch

SWIFT 啟動 CBDC 連線平台

Brussels, Belgium – The Society for Worldwide Interbank Financial Telecommunication (SWIFT), the operator of the de facto messaging network connecting financial institutions globally, is venturing into the central bank digital currency (CBDC) settlement business.

比利時布魯塞爾 - 全球銀行間金融電信協會 (SWIFT) 是連接全球金融機構的事實資訊網路的營運商，正在進軍央行數位貨幣 (CBDC) 結算業務。

The Belgium-based cooperative has announced plans to launch a CBDC platform that will bridge different national digital currencies with the existing financial infrastructure.

這家總部位於比利時的合作社宣布計劃推出一個 CBDC 平台，將不同國家的數位貨幣與現有的金融基礎設施連結起來。

SWIFT's decision follows a six-month proof-of-concept trial to determine the viability of such a solution. The pilot was deemed successful, involving 38 financial institutions, including central banks, commercial banks, and other participants.

SWIFT 的決定是在為期六個月的概念驗證試驗之後做出的，以確定此類解決方案的可行性。該試點被認為是成功的，涉及38家金融機構，包括中央銀行、商業銀行和其他參與者。

Speaking to Reuters, SWIFT's Head of Innovation, Nick Kerigan, provided an indicative timeline for the connectivity network's rollout. "We are looking at a production [product launch] timeline for the next 12 to 24 months," he said in an interview with Reuters. "It's moving from an experiment to something that's going to become real."

SWIFT 創新主管 Nick Kerigan 在接受路透社採訪時提供了連接網路推出的指示性時間表。 「我們正在考慮未來 12 至 24 個月的生產[產品發布]時間表，」他在接受路透社採訪時表示。 “它正在從實驗轉向即將成為現實的事情。”

While approximately 90% of central banks worldwide are exploring the possibility of issuing a digital version of their currency, only a handful have advanced to production.

雖然全球約 90% 的中央銀行正在探索發行其貨幣數位版本的可能性，但只有少數中央銀行已經進入生產階段。

The Bahamas, Nigeria, and Jamaica have launched their CBDCs, while China has an advanced pilot program underway.

巴哈馬、尼日利亞和牙買加已經推出了各自的 CBDC，而中國正在進行一項先進的試點計劃。

SWIFT's move, however, could establish the rails for a centralized CBDC ecosystem even after such currencies are issued, seeking to capture the space ahead of potential competitors.

然而，SWIFT 的舉動可能會為集中式 CBDC 生態系統奠定基礎，即使在此類貨幣發行之後，也能在潛在競爭對手之前搶先一步。

This is feasible because SWIFT's interlinking systems are agnostic to the architecture of the individual digital currencies they will handle.

這是可行的，因為 SWIFT 的互連系統對其將處理的各個數位貨幣的架構是不可知的。

Other platforms seeking to aggregate CBDCs and facilitate transactions and settlements among them are also in development.

其他尋求聚合 CBDC 並促進它們之間的交易和結算的平台也在開發中。

Project mBridge, a platform connecting digital currencies of the United Arab Emirates, China, Hong Kong, and Thailand, achieved a milestone in January, facilitating the first cross-border digital dirham payment.

Project mBridge是一個連接阿拉伯聯合大公國、中國、香港和泰國數位貨幣的平台，一月份實現了里程碑，促成了首筆跨境數位迪拉姆支付。

By connecting CBDCs from various jurisdictions on a single network, SWIFT and other similar platforms aim to streamline cross-border payments, enhance transparency, and reduce the need for intermediaries.

透過在單一網路上連接來自不同司法管轄區的 CBDC，SWIFT 和其他類似平台旨​​在簡化跨境支付、提高透明度並減少對中介機構的需求。

Industry experts believe that CBDCs may coexist with other forms of digital currency, such as stablecoins and cryptocurrencies, but the regulatory landscape and technical interoperability challenges need to be addressed for widespread adoption.

產業專家認為，CBDC 可能與其他形式的數位貨幣共存，例如穩定幣和加密貨幣，但需要解決監管環境和技術互通性挑戰才能廣泛採用。