美国银行巨头联手探索区块链结算网络

花旗、摩根大通、万事达卡、Swift 和德勤正在合作开展一个研究项目，探索多资产交易的共享账本技术。监管结算网络 (RSN) 概念验证 (PoC) 将调查为商业银行资金、批发央行资金以及美国国债和投资级债务等资产创建一个受监管的场所。纽约联邦储备银行创新中心将作为公正的第三方观察员。

Major US Financial Institutions Unite to Explore Blockchain-Based Settlement Network

美国主要金融机构联合探索基于区块链的结算网络

In a groundbreaking move, leading financial institutions Citi, JPMorgan, Mastercard, Swift, and Deloitte have joined forces to launch a comprehensive research project that aims to harness blockchain technology to revolutionize multi-asset transactions denominated in US dollars. This initiative, known as the Regulated Settlement Network (RSN) proof-of-concept (PoC), is set to explore the creation of a fully regulated venue that encompasses commercial bank money, wholesale central bank money, and assets such as U.S. Treasury bonds and investment-grade debt.

领先的金融机构花旗、摩根大通、万事达卡、Swift 和德勤联手推出了一项开创性的综合研究项目，旨在利用区块链技术彻底改变以美元计价的多资产交易。该举措被称为监管结算网络（RSN）概念验证（PoC），旨在探索创建一个完全受监管的场所，其中包括商业银行资金、批发央行资金以及美国国债等资产和投资级债务。

The project will be independently observed by the New York Federal Reserve Bank Innovation Centre, ensuring impartial oversight and rigorous analysis. This collaboration underscores the urgent need for financial market infrastructures to adapt to the advent of digital assets within well-defined regulatory frameworks.

该项目将由纽约联邦储备银行创新中心独立观察，确保公正的监督和严格的分析。此次合作凸显了金融市场基础设施迫切需要在明确的监管框架内适应数字资产的出现。

Commenting on the significance of this undertaking, Debopama Sen, Citi's Global Head of Payments, expressed the company's enthusiasm to investigate the transformative potential of this initiative. As the digital economy continues to evolve, such innovations are crucial for the modernization and efficiency of financial services.

花旗全球支付主管 Debopama Sen 在评论这项举措的重要性时表示，该公司热衷于研究这项举措的变革潜力。随着数字经济的不断发展，此类创新对于金融服务的现代化和效率至关重要。

The RSN PoC aligns with the broader debate surrounding central bank digital currencies (CBDCs) in the United States. Despite reservations expressed by Federal Reserve Chair Jerome Powell, CBDCs have emerged as a prominent topic in the upcoming presidential election. Powell's reluctance stems from concerns about the potential for CBDCs to enable government oversight of customer transactions.

RSN PoC 与围绕美国央行数字货币 (CBDC) 的更广泛辩论相一致。尽管美联储主席杰罗姆·鲍威尔表示保留，但 CBDC 已成为即将到来的总统选举的一个突出话题。鲍威尔的不情愿源于对 CBDC 使政府能够监督客户交易的潜力的担忧。

Following the completion of the initial phase, participants will have the option to opt out of further involvement. However, the project's overall objective remains to foster consensus on the integration of blockchain technology within the US financial system. The consortium plans to publish its findings upon the conclusion of the partnership.

初始阶段完成后，参与者可以选择退出进一步参与。然而，该项目的总体目标仍然是就区块链技术在美国金融体系中的整合达成共识。该联盟计划在合作结束后公布其调查结果。

Raj Dhamodharan, Mastercard's Executive Vice President for Blockchain and Digital Assets, highlighted the immense potential of blockchain-based dollar settlements to facilitate frictionless, 24/7 programmable settlements. The project's administration will be handled by SIFMA, the Securities Industry and Financial Markets Association. Notably, other prominent institutions participating in the RSN PoC include Zions Bancorp, Wells Fargo, Visa, USDF, U.S. Bank, and TD Bank N.A.

万事达卡区块链和数字资产执行副总裁 Raj Dhamodharan 强调了基于区块链的美元结算在促进无摩擦、24/7 可编程结算方面的巨大潜力。该项目的管理将由美国证券业和金融市场协会 (SIFMA) 负责。值得注意的是，参与 RSN PoC 的其他知名机构包括 Zions Bancorp、富国银行、Visa、USDF、U.S. Bank 和 TD Bank N.A.。

This groundbreaking collaboration marks a significant stride towards harnessing the transformative power of blockchain technology and distributed ledger systems to enhance the efficiency, transparency, and accessibility of financial transactions. As the digital economy continues to flourish, the RSN PoC serves as a beacon of innovation and collaboration, paving the way for a secure, interoperable, and inclusive financial infrastructure for the future.

这一突破性的合作标志着在利用区块链技术和分布式账本系统的变革力量来提高金融交易的效率、透明度和可访问性方面迈出了重大一步。随着数字经济的不断蓬勃发展，RSN PoC 成为创新与协作的灯塔，为未来安全、可互操作和包容性的金融基础设施铺平了道路。