Hokkoku 银行推出日本首个银行支持的稳定币“Tochika”

Hokkoku Bank 推出了日本首个银行存款支持的稳定币“Tochika”。通过其 Tochituka 应用程序，用户可以直接从银行账户充值稳定币，并在参与的商家处付款。该银行的目标是扩大商户接受度并降低处理费用，以在日本这样以现金为中心的社会中推广数字支付。

Hokkoku Bank Introduces Japan's First Bank-Backed Stablecoin

Hokkoku 银行推出日本首个银行支持的稳定币

Ishikawa, Japan – February 14, 2023 – Hokkoku Bank, a regional financial institution headquartered in the Ishikawa prefecture of Japan, has announced the launch of Tochika, a groundbreaking stablecoin backed by bank deposits. This development marks a significant milestone in the convergence of traditional finance and blockchain technology in Japan.

日本石川 - 2023 年 2 月 14 日 - 总部位于日本石川县的区域金融机构 Hokkoku Bank 宣布推出 Tochika，这是一种由银行存款支持的突破性稳定币。这一发展标志着日本传统金融和区块链技术融合的一个重要里程碑。

Seamless Integration with Digital Payments

与数字支付无缝集成

Tochika is designed to be seamlessly integrated with Hokkoku Bank's existing digital payments mobile application. Users can effortlessly fund their Tochika wallets directly from their bank accounts, enabling them to make payments at participating local merchant stores using the stablecoin.

Tochika 旨在与 Hokkoku Bank 现有的数字支付移动应用程序无缝集成。用户可以毫不费力地直接从他们的银行账户为他们的 Tochika 钱包提供资金，使他们能够使用稳定币在参与的当地商家商店进行付款。

Efforts to Expand Merchant Adoption

努力扩大商家采用率

Hokkoku Bank is actively engaged in onboarding a growing number of merchants to support Tochika payments. To incentivize adoption, the bank has implemented a competitive processing fee structure, lowering it to a mere 0.5%.

Hokkoku Bank 积极致力于让越来越多的商户支持 Tochika 支付。为了激励采用，该银行实施了具有竞争力的手续费结构，将其降低至仅 0.5%。

Addressing Japan's Cash-Centric Culture

解决日本以现金为中心的文化

Japan remains a predominantly cash-based society, with digital payment solutions facing challenges in gaining widespread acceptance. Hokkoku Bank aims to address this by leveraging the convenience and stability of Tochika to encourage merchants and consumers to embrace digital transactions.

日本仍然是一个以现金为主的社会，数字支付解决方案在获得广泛接受方面面临挑战。 Hokkoku Bank 旨在通过利用 Tochika 的便利性和稳定性来鼓励商家和消费者接受数字交易来解决这一问题。

Tochituka App as a Platform for Growth

Tochituka 应用程序作为成长平台

Hokkoku Bank's Tochituka app, launched in September 2023 through a partnership with Kono Shinkin Bank, serves as the backbone for Tochika payments. The app initially allowed users to convert community volunteer points into digital payments accepted at participating stores.

Hokkoku 银行的 Tochituka 应用程序于 2023 年 9 月与河野信用银行合作推出，是 Tochika 支付的支柱。该应用程序最初允许用户将社区志愿者积分转换为参与商店接受的数字支付。

Targeting the Gift Card Market

瞄准礼品卡市场

Beyond merchant payments, Hokkoku Bank recognizes the substantial market size of gift certificates in Japan, estimated to reach $29.7 billion by 2028. The bank sees potential to provide digital gift card solutions to issuers currently relying on paper certificates.

除了商户支付之外，北国银行还认识到日本礼券的巨大市场规模，预计到 2028 年将达到 297 亿美元。该银行看到了为目前依赖纸质礼券的发行机构提供数字礼品卡解决方案的潜力。

Hokkoku Bank's Blockchain Infrastructure

Hokkoku 银行的区块链基础设施

Hokkoku Bank is reportedly leveraging the Hyperledger Iroha network to support its stablecoin operations, demonstrating the bank's commitment to industry-leading blockchain technology.

据报道，Hokkoku 银行正在利用 Hyperledger Iroha 网络来支持其稳定币业务，这表明了该银行对行业领先区块链技术的承诺。

Growing Popularity of Tokenized Deposits

代币化存款越来越受欢迎

Tokenized deposits are gaining traction globally as a bridge between traditional banking and blockchain-powered stablecoins. The Bank for International Settlements (BIS) has acknowledged their potential to enhance the "singleness of money."

作为传统银行业和区块链驱动的稳定币之间的桥梁，代币化存款在全球范围内越来越受欢迎。国际清算银行（BIS）承认它们有增强“货币单一性”的潜力。

Global Initiatives in Tokenized Deposits

代币化存款的全球举措

Various monetary authorities and commercial banks worldwide are exploring tokenized deposit projects. In South Korea, the central bank is collaborating with LG, while in Australia, regulators view tokenized deposits as the future of the financial system.

全球各地的货币当局和商业银行都在探索代币化存款项目。在韩国，央行正在与 LG 合作，而在澳大利亚，监管机构将代币化存款视为金融体系的未来。

Citibank's Tokenization Initiative

花旗银行的代币化计划

In the United States, Citibank launched Citi Token Services in September 2023. This service enables clients to convert deposits into digital tokens on the blockchain, facilitating 24/7 transfers at reduced costs. However, this offering is currently limited to the bank's most affluent customers.

在美国，花旗银行于 2023 年 9 月推出了花旗代币服务。该服务使客户能够将存款转换为区块链上的数字代币，从而以更低的成本实现 24/7 转账。然而，这项服务目前仅限于该银行最富裕的客户。

Educational Resources for Blockchain Beginners

区块链初学者的教育资源

For those new to the world of blockchain, CoinGeek's dedicated Blockchain for Beginners section provides comprehensive educational resources to enhance understanding of this transformative technology.

对于刚接触区块链世界的人来说，CoinGeek 专门的区块链初学者部分提供了全面的教育资源，以增强对这一变革性技术的理解。