英國金融公佈下一階段 RLN 試驗，探索金融創新

英國金融局宣布開始在英國進行監管責任網絡（RLN）的實驗性試驗。 RLN 的目標是透過使用共享帳本將代幣化存款與傳統存款整合起來，建立一個統一的「創新平台」。包括巴克萊銀行、匯豐銀行和國民西敏寺銀行在內的英國主要銀行，以及信用卡公司萬事達卡和維薩卡，正在就這項措施進行合作。該計畫旨在透過開發原型和試驗來評估共享平台的好處，並隨後發布一份報告，探討客戶優勢以及技術和法律影響。

UK Finance Announces New Phase of Regulated Liability Network Trials

英國金融宣布新階段的監理責任網試驗

London, United Kingdom - UK Finance, the leading trade association representing the UK banking and financial services sector, has announced the commencement of a new phase of experimental trials for the Regulated Liability Network (RLN). The RLN is a transformative initiative aiming to establish a shared platform for financial innovation, integrating tokenized and conventional deposits within a secure and regulated environment.

英國倫敦 - 代表英國銀行和金融服務業的領先貿易協會英國金融局宣布啟動監管責任網絡 (RLN) 的新階段實驗。 RLN 是一項變革性舉措，旨在建立一個金融創新共享平台，將代幣化存款和傳統存款整合到安全且受監管的環境中。

Collaboration of Major Financial Institutions and Technology Partners

主要金融機構和技術合作夥伴的合作

The RLN trials have garnered the participation of all major British banks, including Barclays, Citi, HSBC, Lloyds, NatWest, Nationwide, Santander, Standard Chartered, and Virgin Money. Additionally, global card giants Mastercard and Visa are lending their expertise to the project.

RLN 試驗吸引了英國所有主要銀行的參與，包括巴克萊銀行、花旗銀行、匯豐銀行、勞埃德銀行、國民威斯敏斯特銀行、全國銀行、桑坦德銀行、渣打銀行和維珍貨幣銀行。此外，全球信用卡巨頭萬事達卡和維薩卡也向該計畫提供專業知識。

Recognizing the crucial role of technology in realizing the RLN's potential, UK Finance has partnered with R3 and Quant as technology providers. R3's Corda enterprise blockchain platform will serve as the underlying infrastructure, while Quant will contribute its innovative distributed ledger technology (DLT). DXC Technology will lead the technical implementation, ensuring seamless integration and interoperability.

UK Finance 認識到技術在實現 RLN 潛力方面的關鍵作用，已與作為技術提供者的 R3 和 Quant 合作。 R3的Corda企業區塊鏈平台將作為底層基礎設施，而Quant將貢獻其創新的分散式帳本技術（DLT）。 DXC Technology 將主導技術實施，確保無縫整合和互通性。

Project Coordination and Governance

專案協調和治理

UK Finance serves as the project coordinator, providing overall oversight and guidance. The organization is supported by EY, a leading global consulting firm, and Linklaters, a prominent international law firm, which will provide legal and regulatory expertise.

英國財政部擔任專案協調員，提供整體監督和指導。該組織得到了全球領先顧問公司安永和著名國際律師事務所年利達律師事務所的支持，將提供法律和監管專業知識。

Commenting on the project's significance, Jana Mackintosh, Managing Director of Payment Innovation and Resilience at UK Finance, stated, "This project will rigorously test the hypothesized benefits of the RLN as a platform for innovation. The insights gained will be pivotal in future-proofing and advancing the UK's financial infrastructure."

英國金融公司支付創新和彈性董事總經理 Jana Mackintosh 在評論該項目的重要性時表示：「該項目將嚴格測試 RLN 作為創新平台的假設優勢。所獲得的見解對於面向未來至關重要並推進英國的金融基礎設施。

Innovative Use Cases

創新用例

The RLN trials will focus on evaluating three distinct use cases that showcase the potential of the shared platform. These use cases encompass:

RLN 試驗將重點評估三個不同的用例，以展示共享平台的潛力。這些用例包括：

• Fraud Prevention for Online Purchases: Utilizing conditional payments that settle upon delivery of goods, this application aims to significantly reduce fraud in e-commerce transactions.
• Digitized House Transactions: In collaboration with DLT firm Coadjute, this use case will explore the streamlined and secure processing of payments for property purchases.
• Delivery versus Payment for Digital Bond Transactions: This application will facilitate efficient settlement of digital bond transactions, ensuring timely delivery and payment execution.

Highlighting the transformative potential of DLT, Tiina Lee, CEO of Citi UK, remarked, "Shared ledger technology has the capacity to establish multi-asset settlement venues that operate 24/7 and can respond to the evolving needs of the rapidly evolving digital economy."

線上購買詐欺預防：該應用程式利用在貨物交付時結算的有條件付款，旨在顯著減少電子商務交易中的詐欺。數位債券交易的交付與付款：該應用程式將促進數位債券交易的高效結算，確保及時交付和付款執行。技術有能力建立24/7運營的多資產結算場所，並能夠響應快速發展的數位經濟不斷變化的需求。

Technology and Regulatory Considerations

技術和監管考慮因素

The RLN trials leverage the experience and expertise gained from previous initiatives. Quant's participation ensures continuity with the Bank of England's Project Rosalind, which explored the feasibility of a digital pound. Several participating banks, including Lloyds, Natwest, and Nationwide, have invested in Coadjute, which utilizes R3's Corda blockchain.

RLN 試驗利用了從先前的措施中獲得的經驗和專業知識。寬特的參與確保了英格蘭銀行羅莎琳德計畫的連續性，該計畫探索了數位英鎊的可行性。包括 Lloyds、Natwest 和 Nationwide 在內的幾家參與銀行都投資了 Coadjute，該公司利用 R3 的 Corda 區塊鏈。

To ensure compliance with regulatory requirements, the RLN trials will adhere to the highest standards of financial regulation. The involvement of Linklaters will provide ongoing guidance and support to ensure the project's adherence to applicable laws and regulations.

為了確保符合監管要求，RLN 試驗將遵守金融監管的最高標準。年利達律師事務所的參與將提供持續的指導和支持，以確保專案遵守適用的法律和法規。

The trials will continue until the summer of 2023, culminating in a comprehensive report that will assess the customer benefits, technology capabilities, and legal implications of the RLN. The findings will serve as a valuable resource for policymakers, financial institutions, and industry stakeholders as they navigate the transformative era of digital finance.

試驗將持續到 2023 年夏季，最終形成一份綜合報告，評估 RLN 的客戶利益、技術能力和法律影響。這些研究結果將為政策制定者、金融機構和產業利益相關者在數位金融變革時代的發展過程中提供寶貴的資源。