香港虛擬銀行先驅眾安銀行擁抱數位金融革命

香港虛擬貸款機構眾安銀行 (ZA Bank) 透過與潛在的穩定幣發行人合作建立法定儲備帳戶，進軍數位金融領域。此舉旨在將數位資產融入傳統銀行業務，並與香港探索數位資產ETF和將自身定位為數位資產中心的努力不謀而合。 ZA 銀行在現金和債券儲備的支持下探索穩定幣用例的舉措標誌著該地區數位金融與傳統金融的融合。

Hong Kong's Virtual Banking Pioneer Embraces Digital Finance Revolution

香港虛擬銀行先驅擁抱數位金融革命

Hong Kong's virtual banking frontrunner, ZA Bank, is making bold strides in the ever-evolving landscape of digital finance. In a strategic move that signals the increasing convergence of traditional banking and the burgeoning world of digital assets, ZA Bank is actively engaging with prospective stablecoin issuers to establish fiat reserve accounts.

香港虛擬銀行領跑者眾安銀行 (ZA Bank) 正在不斷發展的數位金融領域大步前進。作為一項策略性舉措，ZA Bank 正在積極與潛在的穩定幣發行人合作，建立法定儲備帳戶，這標誌著傳統銀行業務與新興的數位資產世界日益融合。

This pioneering initiative marks a significant milestone in Hong Kong's journey to establish itself as a vibrant digital asset hub. The city's progressive stance towards crypto regulation, including the licensing of crypto trading platforms and the exploration of digital-asset-exchange-traded funds (ETFs), is paving the way for the seamless integration of digital assets into mainstream financial infrastructure.

這項開創性舉措標誌著香港成為充滿活力的數位資產中心的歷程中的一個重要里程碑。該市對加密貨幣監管的進步立場，包括加密貨幣交易平台的許可和數位資產交易所交易基金（ETF）的探索，正在為數位資產無縫融入主流金融基礎設施鋪平道路。

Exploring the Tangible Potential of Stablecoins

探索穩定幣的有形潛力

"Stablecoins have captured our attention due to their multifaceted applications in both wholesale and retail markets," said Devon Sin, Alternate Chief Executive of ZA Bank. These digital assets, designed to maintain a stable value typically pegged to fiat currencies like the US dollar, present numerous opportunities for innovation and efficiency in financial transactions.

ZA 銀行副執行長 Devon Sin 表示：“穩定幣因其在批發和零售市場的多方面應用而引起了我們的關注。”這些數位資產旨在維持通常與美元等法定貨幣掛鉤的穩定價值，為金融交易的創新和效率提供了許多機會。

In collaboration with potential stablecoin issuers, ZA Bank aims to explore tangible use cases that leverage the unique capabilities of stablecoins. From seamless tokenization of assets to frictionless exchange trading settlements and secure cross-border remittances, the potential applications are vast.

ZA Bank 與潛在的穩定幣發行人合作，旨在探索利用穩定幣獨特功能的實際範例。從資產的無縫代幣化到無摩擦的交易所交易結算和安全的跨境匯款，潛在的應用是巨大的。

Regulatory Sandbox: A Testbed for Innovation

監理沙盒：創新試驗台

Hong Kong's Monetary Authority (HKMA) has established a regulatory sandbox, providing a controlled environment for financial institutions to experiment with innovative financial products and services. ZA Bank's engagement with stablecoin issuers will fall under the ambit of this sandbox, allowing for the testing and development of robust and compliant solutions.

香港金融管理局（金管局）建立了監管沙盒，為金融機構試驗創新金融產品和服務提供受控環境。 ZA 銀行與穩定幣發行人的合作將屬於該沙箱的範圍，以便測試和開發強大且合規的解決方案。

Regulatory Framework for Stablecoins

穩定幣的監管框架

The HKMA is diligently working on developing a comprehensive regulatory framework specifically tailored for stablecoins. This framework will provide clear guidelines on the issuance, operation, and oversight of these digital assets, ensuring stability and security within the digital asset ecosystem.

香港金管局正在努力製定專門針對穩定幣的全面監管框架。該框架將為這些數位資產的發行、營運和監管提供明確的指導方針，確保數位資產生態系統的穩定性和安全性。

Hong Kong's Commitment to Digital Asset Regulation

香港對數位資產監管的承諾

Last year, Hong Kong made a bold move by adopting regulations for stablecoin issuers, demonstrating its commitment to creating a robust and transparent digital asset market. The proposed rules, outlined in a consultation paper by the Financial Services and the Treasury Bureau and the HKMA, aim to strike a balance between fostering innovation while safeguarding investors' interests.

去年，香港採取了一項大膽舉措，對穩定幣發行人實施了監管，表明了其對創建穩健、透明的數位資產市場的承諾。財經事務及庫務局和金管局在一份諮詢文件中概述了擬議規則，旨在在促進創新和保障投資者利益之間取得平衡。

According to the consultation paper, stablecoins are defined as digital assets pegged to one or more fiat currencies, aiming to maintain a stable value. Stablecoin issuers actively marketing their fiat-referenced stablecoins to the Hong Kong public must obtain a local license.

根據諮詢文件，穩定幣被定義為與一種或多種法定貨幣掛鉤的數位資產，旨在維持穩定的價值。穩定幣發行人積極向香港公眾推銷其法定穩定幣必須獲得當地許可證。

Algorithmic stablecoins, which have gained notoriety following the collapse of TerraUSD, are not permitted in Hong Kong. To obtain a license, stablecoin issuers must adhere to stringent requirements, including maintaining a full reserve of assets backing the stablecoins, ensuring it is at least equal to the par value. These reserves must be segregated and securely stored, and they must be regularly reported to regulators. Additionally, stablecoin issuers must establish a local presence by appointing key personnel, including a Chief Executive Officer and senior management team.

在 TerraUSD 崩潰後聲名狼藉的演算法穩定幣在香港是不允許的。為了獲得許可證，穩定幣發行人必須遵守​​嚴格的要求，包括維持支持穩定幣的完整資產儲備，確保其至少等於票面價值。這些儲備必須隔離並安全存儲，並且必須定期向監管機構報告。此外，穩定幣發行人必須透過任命關鍵人員（包括執行長和高階管理團隊）來建立當地業務。

Conclusion

結論

ZA Bank's engagement with potential stablecoin issuers is a testament to the growing recognition of the transformative potential of digital assets in the banking and financial sectors. With Hong Kong's progressive regulatory approach and the HKMA's commitment to fostering innovation within a sound regulatory framework, the city is well-positioned to become a global leader in the digital asset revolution.

ZA Bank 與潛在穩定幣發行人的合作證明了銀行和金融領域對數位資產變革潛力的日益認識。憑藉香港先進的監管方式以及金管局致力於在健全的監管框架內促進創新的承諾，香港已做好充分準備，成為數位資產革命的全球領導者。