DBS 代币服务可实现即时、24/7 实时支付结算

星展银行代币服务通过集成银行的以太坊虚拟机兼容许可区块链、其核心支付引擎和多个行业支付基础设施，实现即时、24/7 实时支付结算。

DBS Token Services, a suite of blockchain-powered solutions, is poised to revolutionise the financial landscape. This latest offering from DBS, powered by its permissioned blockchain, integrates with the bank's core payment engine and multiple industry payment infrastructures to enable 24/7 real-time settlement of payments.

星展银行代币服务是一套由区块链驱动的解决方案，有望彻底改变金融格局。星展银行的这一最新产品由其许可的区块链提供支持，与银行的核心支付引擎和多个行业支付基础设施集成，以实现 24/7 实时支付结算。

Institutions can now harness the programmability of smart contracts to govern the use of funds based on predefined conditions, enhancing security and transparency. DBS's permissioned blockchain provides the bank with complete control over these services, allowing it to leverage the benefits of blockchain technology while adhering to compliance standards.

机构现在可以利用智能合约的可编程性来根据预定义的条件管理资金的使用，从而增强安全性和透明度。星展银行的许可区块链使银行能够完全控制这些服务，使其能够利用区块链技术的优势，同时遵守合规标准。

DBS Token Services, a culmination of several years of industry collaborations and experimentation in digital money innovations, includes three key solutions: Treasury Tokens, Conditional Payments, and Programmable Rewards, showcasing how established financial institutions can integrate blockchain technology and smart contracts to deliver new client experiences.

星展银行代币服务是数年行业合作和数字货币创新实验的结晶，包括三个关键解决方案：国库代币、有条件支付和可编程奖励，展示了成熟的金融机构如何整合区块链技术和智能合约来交付新客户经验。

Lim Soon Chong, Group Head of Global Transaction Services, DBS Bank, said: "Companies and public sector entities are fundamentally rethinking their operating models and customer engagement strategies to capture the massive shift of human and corporate activity to on-demand digital services. A new generation of "always-on" banking services is critical to support this shift and transformation."

星展银行全球交易服务集团主管 Lim Soon Chong 表示：“公司和公共部门实体正在从根本上重新思考其运营模式和客户参与策略，以抓住人类和企业活动向按需数字服务的巨大转变。新一代“永远在线”的银行服务对于支持这一转变和转型至关重要。”

"DBS Token Services, by enabling tokenisation and smart contract capabilities, empowers companies and public sector entities to optimise liquidity management, streamline operational workflows, strengthen business resilience, and unlock new opportunities for end-customer or end-user engagement. It marks a significant step forward in transaction banking and demonstrates how established financial institutions can leverage blockchain technology to deliver new ground-breaking features and experiences," he added.

“星展银行代币服务通过支持代币化和智能合约功能，使公司和公共部门实体能够优化流动性管理、简化运营工作流程、增强业务弹性，并为最终客户或最终用户参与创造新的机会。这标志着一个重大的里程碑。”在交易银行业务方面向前迈出了一步，并展示了成熟的金融机构如何利用区块链技术来提供新的突破性功能和体验，”他补充道。

DBS recently launched Treasury Tokens, a next-generation treasury and liquidity management solution, in a pilot with Ant International. This solution currently supports ongoing intra-group transfers within Ant International.

星展银行最近与蚂蚁国际合作试点推出了国库代币，这是下一代国库和流动性管理解决方案。该解决方案目前支持蚂蚁国际内部正在进行的集团内转账。

Empowering large corporations operating across multiple markets to settle multi-currency intra-group transactions instantly on a 24/7 basis, Treasury Tokens are not constrained by currency cut-off timings and non-banking hours associated with traditional banking systems. These tokens provide corporate treasurers with greater visibility, predictability and control as they navigate the complexities of an increasingly real-time world.

Treasury Token 使跨多个市场运营的大型企业能够 24/7 即时结算多币种集团内部交易，不受传统银行系统相关的货币截止时间和非银行营业时间的限制。这些代币为企业财务主管提供了更大的可见性、可预测性和控制力，帮助他们应对日益实时的世界的复杂性。

Building upon DBS' recent programmable grant disbursements pilot with Enterprise Singapore and Singapore Fintech Association, DBS will explore the further application of Conditional Payments, opening up new possibilities for smart contracts to improve payment workflows. The pilot demonstrated the ability to programme conditions governing the disbursement of funds, providing the agency with enhanced governance control over disbursements handled by its appointed intermediary.

基于星展银行最近与新加坡企业发展局和新加坡金融科技协会进行的可编程拨款支付试点，星展银行将探索有条件付款的进一步应用，为智能合约改善支付工作流程开辟新的可能性。该试点项目展示了制定资金支付条件的能力，为该机构提供了对其指定中介机构处理的支付加强的治理控制。

Offering institutions the potential to redesign and automate overall payment workflows, Conditional Payments can be extended to varying forms of intermediated payments and milestone-based payments. Institutions and their partners stand to benefit from greater transparency, operating efficiencies and control in transactions.

有条件支付为机构提供了重新设计和自动化整体支付工作流程的潜力，可以扩展到各种形式的中间支付和基于里程碑的支付。机构及其合作伙伴将从更高的透明度、运营效率和交易控制中受益。

DBS will also be exploring the application of smart contracts for Programmable Rewards. This solution enables institutions to leverage on programmability to curate digital voucher programmes for their customers in a cost-effective manner.

星展银行还将探索智能合约在可编程奖励中的应用。该解决方案使机构能够利用可编程性以经济高效的方式为其客户策划数字优惠券计划。

As part of this exploration, DBS Hong Kong recently announced its participation in the second phase of the Hong Kong Monetary Authority's e-HKD Pilot Programme. DBS' pilot aims to examine the use of programmable rewards and a hypothetical e-HKD - a digital Hong Kong dollar - to enhance a consumer incentive programme on an Environmental, Social, and Governance (ESG) reward platform. Participating corporates can create ESG campaigns and set redemption guidelines to foster a green corporate culture and promote participation. Users who complete green actions will receive new digital vouchers, which can be used to purchase green products and services at designated small and mediums-sized merchants.

作为这一探索的一部分，星展香港最近宣布参与香港金融管理局电子港币试点计划第二阶段。星展银行的试点旨在研究可编程奖励和假设的电子港元（一种数字港元）的使用，以加强环境、社会和治理（ESG）奖励平台上的消费者激励计划。参与企业可以发起ESG活动并制定兑换准则，以培育绿色企业文化并促进参与。完成绿色行动的用户将获得新的数字代金券，可用于在指定中小商户购买绿色产品和服务。

Since 2016, DBS has been a driving force in several industry initiatives led by the Monetary Authority of Singapore to explore the potential of blockchain technology in enhancing Singapore's financial landscape. Key initiatives include Project Ubin, Project Orchid, and Project Guardian.

自 2016 年以来，星展银行一直是新加坡金融管理局领导的多项行业举措的推动力量，旨在探索区块链技术在改善新加坡金融格局方面的潜力。主要举措包括 Project Ubin、Project Orchid 和 Project Guardian。

DBS Token Services continues to explore broader applications of blockchain-enabled solutions, including the tokenisation of securities and digitalisation of trade finance. These innovations reflect DBS' ongoing commitment to building a more robust and innovative banking landscape.

星展代币服务继续探索区块链解决方案的更广泛应用，包括证券代币化和贸易融资数字化。这些创新反映了星展银行对建设更加稳健和创新的银行业格局的持续承诺。