日本的第二大银行SMBC计划签发Stablecoin

它与雪崩区块链的创始人Ava Labs以及Fireblocks合作

Sumitomo Mitsui Financial Group, the parent company of Japan’s second largest bank SMBC, is planning to issue a stablecoin, according to the Nikkei.

据Nikkei称，日本第二大银行SMBC的母公司Sumitomo Mitsui金融集团正计划发行Stablecoin。

It will be collaborating with Ava Labs, the founder of the Avalanche blockchain, as well as Fireblocks. The bank will also work with Japanese IT firm TIS and plans to carry out experiments in Q4 of this year or Q1 of 2026, with a view to issuing the stablecoin during the following year.

它将与雪崩区块链的创始人Ava Labs以及Fireblocks合作。该银行还将与日本IT公司TIS合作，并计划在今年的第四季度或2026年第1季度进行实验，以期在次年发布Stablecoin。

One of the primary use cases is to enable corporates to move money around the world instantly and 24/7, sidestepping Swift. While Swift payments should in theory be almost instant, in reality they tend to be delayed by foreign banks that have different opening hours and rely on the receiving bank crediting the recipient promptly. Additional intermediary banks are often involved, which are not necessary with stablecoins.

主要用例之一是使企业能够立即在世界各地转移资金，而24/7，避开了Swift。尽管从理论上讲，迅速付款应该是即时的，但实际上，它们往往会被外国银行延迟，这些外国银行的开放时间不同，并且依靠接收银行迅速将接收者归功于接收者。通常涉及其他中介银行，这对于Stablecoins不需要。

This use case is already being targeted by other big US banks. For example, JP Morgan has its Kinexys Digital Payments (formerly JPM Coin), a blockchain-based bank account, and Citi launched its Citi Token Services. Both use permissioned blockchains.

该用例已经成为美国其他大型银行的目标。例如，JP Morgan拥有基于区块链的银行帐户的Kinexys数字支付（以前是JPM Coin），而花旗则推出了花旗令牌服务。两者都使用许可的区块链。

Ava Labs' blockchain supports both permissionless and permissioned chains as subnets. For example, its Spruce testnet has institutions as validators. Hence, it remains to be seen which path SMBC adopts.

AVA Labs的区块链支持无许可和许可链作为子网。例如，其云杉测试网将机构作为验证器。因此，SMBC采用哪种路径还有待观察。

SMBC's other blockchain initiatives

SMBC的其他区块链计划

Meanwhile, SMBC is also one of the backers of Progmat, the Japanese tokenization platform. It has a stablecoin issuance platform, Progmat Coin. SMBC joined the other big three Japanese banks, MUFG and Mizuho, in an ongoing stablecoin sandwich trial referred to as Project Pax.

同时，SMBC还是日本代币化平台Pogmat的支持者之一。它具有一个稳定的发行平台Progmat Coin。 SMBC加入了其他三大日本银行MUFG和Mizuho，参加了正在进行的Stablecoin三明治审判，称为PAX项目。

A stablecoin sandwich refers to a situation where a stablecoin sits at the heart of a transaction, but it may look like a normal payment to the sender and recipient. The three banks plan for their clients to make trade payments in the usual way, and to use Swift messages. However, stablecoins will replace correspondent banks.

稳定的三明治是指稳定币位于交易的核心的情况，但看起来像是给发件人和收件人的正常付款。这三家银行计划其客户以通常的方式进行贸易付款，并使用迅速的消息。但是，Stablecoins将取代记者银行。

Two years ago, our sources told us that SMBC had joined Partior, the cross-border blockchain payment system co-founded by DBS, JP Morgan and Temasek. Partior combines a permissioned blockchain with correspondent banking, removing the typical delays and enabling instant cross-border payments. SMBC has not yet confirmed it will participate in Partior. However, the other bank we reported simultaneously – Deutsche Bank – recently said it invested in Partior, highlighting the accuracy of the report.

两年前，我们的消息人士告诉我们，SMBC加入了DBS，JP Morgan和Temasek共同创建的跨境区块链支付系统Partior。 Partior将许可的区块链与通讯银行结合在一起，删除了典型的延误，并实现了即时的跨境付款。 SMBC尚未确认它将参与部分。但是，我们同时报告的另一家银行（德意志银行）最近表示，它投资了部分，强调了该报告的准确性。

Hence, SMBC is adopting a multipronged approach to speed up cross-border payments using blockchain.

因此，SMBC采用多重方法，使用区块链加快跨境支付。