富兰克林邓普顿与 Jiritsu 合作推出代币化基金高级验证系统

这项创新旨在使散户投资者的访问民主化，减少交易摩擦并将代币整合到 DeFi 中。

Franklin Templeton, in collaboration with Jiritsu, has launched an advanced verification system for tokenized funds. This innovation aims to democratize access for retail investors, reducing friction in transactions and integrating tokens into DeFi.

富兰克林邓普顿与 Jiritsu 合作推出了针对代币化基金的先进验证系统。这项创新旨在使散户投资者的访问民主化，减少交易摩擦并将代币整合到 DeFi 中。

Let’s see all the details in this article.

让我们看看本文中的所有详细信息。

Blockchain technology and MPC verification: the solution of Jiritsu and Franklin Templeton for the financial market

区块链技术与MPC验证：Jiritsu和富兰克林邓普顿针对金融市场的解决方案

The financial industry is experiencing a profound transformation thanks to tokenization, and Franklin Templeton is among the pioneers of this revolution.

由于代币化，金融业正在经历一场深刻的变革，富兰克林邓普顿是这场革命的先驱之一。

The recent integration of a verification system developed by Jiritsu for the tokenized funds EZBC and FOBXX indeed represents an important step forward.

最近，Jiritsu 为代币化基金 EZBC 和 FOBXX 开发的验证系统的集成确实代表了向前迈出的重要一步。

This system, based on the Avalanche network, not only introduces greater transparency but also expands opportunities for retail investors, opening new avenues for the decentralized financial market.

该系统基于 Avalanche 网络，不仅提高了透明度，还扩大了散户投资者的机会，为去中心化金融市场开辟了新途径。

Announced on December 2 by Jiritsu co-founder, Jacob Guedalia, the new system allows asset managers to issue tokens backed by the shares of Franklin Templeton funds.

Jiritsu 联合创始人 Jacob Guedalia 于 12 月 2 日宣布，新系统允许资产管理公司发行由富兰克林邓普顿基金股票支持的代币。

This functionality ensures that each token is adequately covered, eliminating the risk of unsupported emissions.

此功能可确保每个代币都得到充分覆盖，从而消除不受支持的排放风险。

The system uses a multilateral computation network (MPC) to verify in real-time that the funds associated with the tokens are indeed available. According to Guedalia, this approach is fundamental to ensure investor trust:

该系统使用多边计算网络（MPC）来实时验证与代币相关的资金是否确实可用。 Guedalia 认为，这种方法对于确保投资者信任至关重要：

“You cannot mint a token unless there is a real asset backing it.”

“除非有真正的资产支持，否则你无法铸造代币。”

The FOBXX fund has been one of the first examples of advanced tokenization in the sector. Since 2021, its shares have been represented by BENJI tokens on blockchains such as Stellar, Polygon, Arbitrum, Base, and Avalanche.

FOBXX 基金是该行业先进代币化的首批例子之一。自 2021 年起，其股票已在 Stellar、Polygon、Arbitrum、Base 和 Avalanche 等区块链上以 BENJI 代币代表。

However, until now, only registered asset managers could access these opportunities, leaving retail investors excluded.

然而，到目前为止，只有注册的资产管理公司才能获得这些机会，散户投资者被排除在外。

With the new verification system, Jiritsu aims to overcome this limitation. Retail investors will soon be able to access derivative tokens supported by BENJI, subject to KYC verification through a dedicated web portal.

Jiritsu 旨在通过新的验证系统来克服这一限制。散户投资者很快将能够获得 BENJI 支持的衍生代币，但需通过专门的门户网站进行 KYC 验证。

These tokens will also be usable in decentralized finance applications (DeFi), expanding investment opportunities.

这些代币还可用于去中心化金融应用程序（DeFi），扩大投资机会。

Advantages for retail investors

对散户投资者的优势

Retail tokenization offers numerous advantages for investors. Firstly, it offers simplified access: investors will no longer need to convert fund shares into stablecoins to participate in DeFi.

零售代币化为投资者提供了众多优势。首先，它提供了简化的访问方式：投资者将不再需要将基金份额转换为稳定币来参与 DeFi。

The tokens will directly represent the shares, reducing intermediate steps and improving efficiency. Additionally, it allows for higher returns.

代币将直接代表股份，减少中间步骤，提高效率。此外，它还可以带来更高的回报。

Investors will be able to park their resources in tokenized assets instead of in stablecoin, earning interest while waiting for new market opportunities.

投资者将能够将资源投入代币化资产而不是稳定币中，在等待新的市场机会的同时赚取利息。

Then, flexibility, or the possibility of using tokens on the blockchain eliminates friction, improving the speed and effectiveness of financial transactions.

然后，灵活性或在区块链上使用代币的可能性消除了摩擦，提高了金融交易的速度和有效性。

Guedalia highlighted that this innovation eliminates one of the main difficulties for investors:

Guedalia 强调，这一创新消除了投资者面临的主要困难之一：

“Having tokens on the blockchain that already represent these actions removes the friction of the system.”

“在区块链上拥有已经代表这些行为的代币可以消除系统的摩擦。”

Impact on DeFi and the global market

对 DeFi 和全球市场的影响

The expansion of tokenized funds towards the retail public could transform the global financial market. Investors who wish to diversify their portfolio will now have access to innovative and secure instruments.

代币化基金向散户的扩张可能会改变全球金融市场。希望实现投资组合多元化的投资者现在可以使用创新且安全的工具。

This development is not limited to Franklin Templeton: similar funds, such as BlackRock’s BUIDL and ONDO’s USDY, are exploring similar solutions, increasing competitiveness in the sector.

这种发展不仅限于富兰克林邓普顿：贝莱德的 BUIDL 和 ONDO 的 USDY 等类似基金也在探索类似的解决方案，以提高该行业的竞争力。

Furthermore, tokenized funds position themselves as an alternative to stablecoins for those who wish to invest in less volatile yet still fruitful assets.

此外，对于那些希望投资波动性较小但仍富有成效的资产的人来说，代币化基金将自己定位为稳定币的替代品。

This combination of safety and yield is particularly attractive for those seeking refuge from the fluctuations of cryptocurrencies.

这种安全性和收益的结合对于那些寻求躲避加密货币波动的人来说特别有吸引力。

According to Jiritsu, the retail tokens supported by the Franklin Templeton funds will be available by the end of the year. This represents a significant breakthrough not only for tokenization but for the entire financial ecosystem.

据 Jiritsu 称，富兰克林邓普顿基金支持的零售代币将于今年年底上市。这不仅是代币化的重大突破，也是整个金融生态系统的重大突破。

With the continuous development of blockchain technology and the growing adoption by financial institutions, it is likely that more and more funds will integrate similar systems.

随着区块链技术的不断发展和金融机构的不断采用，很可能会有越来越多的基金集成类似的系统。

The possibility of integrating tokens into DeFi applications will further strengthen their role as a versatile financial instrument.

将代币集成到 DeFi 应用程序中的可能性将进一步加强其作为多功能金融工具的作用。

In the long term, this could contribute to a greater democratization of finance, making advanced tools accessible to an increasingly wider audience.

从长远来看，这可能有助于金融更加民主化，让越来越多的受众能够使用先进的工具。