德意志银行推出基于以太坊的 Layer 2 解决方案，称为 Project Dama 2

传统金融机构也开始在Layer 2上发力。 德意志银行亚太区行业应用创新主管Boon-Hiong Chan

Deutsche Bank, a traditional financial institution, is preparing to launch Project Dama 2, a Layer 2 solution based on Ethereum. This move is part of a larger trend in which secure and compliant blockchain solutions are being introduced into the core of traditional finance.

传统金融机构德意志银行正准备推出基于以太坊的 Layer 2 解决方案 Project Dama 2。这一举措是安全、合规的区块链解决方案被引入传统金融核心的更大趋势的一部分。

Deutsche Bank’s Layer 2 solution is designed to address the challenges that financial institutions face when using public blockchains. These challenges include the unknown identity of transaction validators, fees flowing to sanctioned entities, and the risk of hard forks.

德意志银行的 Layer 2 解决方案旨在解决金融机构在使用公共区块链时面临的挑战。这些挑战包括交易验证者的身份未知、流向受制裁实体的费用以及硬分叉的风险。

The project leader believes that public chains such as Ethereum are full of risks for regulated lenders. These include the inability to determine “who is actually validating these transactions”, whether transaction fees may be paid to sanctioned entities, and the threat of major changes to the ledger due to unforeseen hard forks.

项目负责人认为，以太坊等公链对于受监管的贷方来说充满风险。其中包括无法确定“谁在实际验证这些交易”，交易费用是否可以支付给受制裁的实体，以及由于不可预见的硬分叉而导致账本发生重大变化的威胁。

The Layer 2 component may give banks the freedom to experiment with public chains. This would allow banks to tailor a “more personalized list of validators” who process digital asset transactions to earn rewards. Other benefits include the potential to give regulators - and only regulators - “super administrator privileges,” meaning they can review the flow of funds when necessary.

Layer 2 组件可以让银行自由地尝试公共链。这将使银行能够定制“更加个性化的验证者列表”，这些验证者处理数字资产交易以获得奖励。其他好处包括有可能赋予监管机构——而且只有监管机构——“超级管理员特权”，这意味着他们可以在必要时审查资金流动。

“Many of these regulatory concerns should be addressed by using a dual-chain architecture,” he added.

“许多监管问题应该通过使用双链架构来解决，”他补充道。

Proponents, including Deutsche Bank, view blockchain as an opportunity to combat squeezed margins in the financial services industry. However, there are questions about how deeply banks should get involved in the crypto ecosystem.

包括德意志银行在内的支持者将区块链视为应对金融服务行业利润挤压的机会。然而，银行应在多大程度上参与加密货币生态系统仍存在疑问。

Adriano Feria.eth, an industry insider, believes that the level of regulatory compliance required by these institutions is impossible to achieve on any Layer 1 blockchain. For institutions that require strict supervision and interoperability, the only pragmatic options are to run their own private, permissioned Layer 1 chain or to leverage Ethereum’s L2 ecosystem.

业内人士Adriano Feria.eth认为，这些机构所要求的监管合规水平在任何Layer 1区块链上都是不可能达到的。对于需要严格监管和互操作性的机构来说，唯一务实的选择是运行自己的私有、经过许可的第 1 层链或利用以太坊的 L2 生态系统。

Deutsche Bank has been actively exploring cryptocurrencies in 2024. In June, Deutsche Bank provided BitPanda with an API-based account solution, enabling it to access the German International Bank Account Number (IBAN), an internationally recognized code that helps banks securely process international transfers. BitPanda plans to use this service to improve the efficiency and security of fund transfers.

德意志银行在2024年一直在积极探索加密货币。今年6月，德意志银行为BitPanda提供了基于API的账户解决方案，使其能够访问德国国际银行帐号（IBAN），这是一个国际认可的代码，可帮助银行安全地处理国际转账。 BitPanda 计划利用这项服务来提高资金转移的效率和安全性。

Deutsche Bank also provides multi-currency accounts and foreign exchange services to crypto market maker Keyrock to help it optimize and expand its market making and over-the-counter (OTC) services in EMEA, APAC and LATAM.

德意志银行还向加密货币做市商 Keyrock 提供多币种账户和外汇服务，帮助其优化和扩展在欧洲、中东和非洲、亚太地区和拉美地区的做市和场外交易 (OTC) 服务。

On November 27, Deutsche Bank joined the B round of financing of Singapore blockchain fintech company Partior as a strategic investor, supporting Partior to expand its cross-border settlement capabilities and develop functions such as instant foreign exchange swaps and multi-bank payments.

11月27日，德意志银行作为战略投资者参与新加坡区块链金融科技公司Partior的B轮融资，支持Partior拓展跨境结算能力，开发即时外汇掉期、多银行支付等功能。

On December 10, Deutsche Bank also announced a partnership with Crypto.com to provide corporate banking services in Singapore, Australia and Hong Kong. The two parties plan to further expand the scope of cooperation in the future.

12月10日，德意志银行还宣布与Crypto.com建立合作伙伴关系，在新加坡、澳大利亚和香港提供企业银行服务。未来双方计划进一步扩大合作范围。

While some traditional banks were initially hesitant to engage with blockchain technology due to concerns about its immaturity and the regulatory landscape, the maturing cryptocurrency ecosystem now presents an opportunity for banks to reimagine traditional financial services.

虽然一些传统银行最初由于担心区块链技术的不成熟和监管环境而对采用区块链技术犹豫不决，但成熟的加密货币生态系统现在为银行重新构想传统金融服务提供了机会。

For example, in November, UBS announced the creation and piloting of a blockchain-based payment solution, called UBS Digital Cash. In the same month, JP Morgan announced a major upgrade to its blockchain platform, which was renamed Kinexys from Onyx.

例如，11 月，瑞银宣布创建并试点基于区块链的支付解决方案，称为瑞银数字现金。同月，摩根大通宣布对其区块链平台进行重大升级，将其从 Onyx 更名为 Kinexys。

According to JP Morgan, JP Morgan's blockchain business has executed more than $1.5 trillion in transactions since its establishment in 2020, including intraday repurchases and cross-border payments, with an average daily processing amount of more than $2 billion. Its users include global companies such as Siemens, BlackRock and Ant International.

据摩根大通称，摩根大通区块链业务自2020年成立以来已执行超过1.5万亿美元交易，包括日内回购和跨境支付，日均处理金额超过20亿美元。其用户包括西门子、贝莱德和蚂蚁国际等全球公司。

Overall, as Adriano Feria.eth, an industry insider, suggests, Deutsche Bank's entry into Ethereum L2 may be part of a not-so-subtle experiment, which is more secure and compliant blockchain solutions being introduced into the heart of traditional finance.

总体而言，正如业内人士 Adriano Feria.eth 所暗示的那样，德意志银行进入以太坊 L2 可能是一个不那么微妙的实验的一部分，即将更安全、更合规的区块链解决方案引入传统金融的核心。

Other members of Singapore's Project Guardian may follow suit, leading to a broader adoption of Web3 technology and blockchain solutions by traditional financial institutions.

新加坡 Project Guardian 的其他成员可能会效仿，从而导致传统金融机构更广泛地采用 Web3 技术和区块链解决方案。