日本银行率先推出银行支持的稳定币“Tochika”

日本地方银行 Hokkoku 推出了日本第一个由银行存款支持的稳定币 Tochika。此举引发了人们对现金仍然广泛使用的日本稳定币潜在利弊的质疑。 Hokkoku 旨在以低商户费率吸引企业进行无现金交易，并吸引其他银行加入其计划。这一进展正值日本监管变化之际，允许三种类型的稳定币，包括由银行支持的稳定币。

Japan's Hokkoku Bank Pioneers Bank-Backed Stablecoin 'Tochika'

日本 Hokkoku 银行开创了银行支持的稳定币“Tochika”

Tokyo, Japan - Hokkoku Bank, a regional financial institution based in Japan, has made a groundbreaking move by introducing 'Tochika,' the first stablecoin in the country to be backed by bank deposits. The development has sparked a wave of curiosity and debate among Japanese crypto enthusiasts, raising questions about its potential benefits, limitations, and future implications.

日本东京 - Hokkoku Bank 是一家总部位于日本的区域金融机构，推出了该国第一个由银行存款支持的稳定币“Tochika”，这是一项开创性举措。这一发展引发了日本加密货币爱好者的好奇心和争论，引发了对其潜在好处、局限性和未来影响的质疑。

Background and Motivation

背景和动机

Hokkoku Bank's decision to launch Tochika stems from the success of its 'Tochituka' app, a mobile payment platform developed in collaboration with the Suzu City government last year. The app enables citizens to earn and spend 'Tochipo' points at participating local businesses. The bank aims to leverage this existing infrastructure and expand the functionality of the Tochituka app by introducing a stablecoin that can be seamlessly integrated with it.

Hokkoku Bank 决定推出 Tochika 源于其“Tochituka”应用程序的成功，该应用程序是去年与珠洲市政府合作开发的移动支付平台。该应用程序使公民能够在参与的当地企业赚取和消费“Tochipo”积分。该银行旨在利用现有的基础设施，并通过引入可与其无缝集成的稳定币来扩展 Tochituka 应用程序的功能。

Features and Security

功能和安全性

Tochika is a cryptocurrency pegged to the Japanese yen and is backed by deposits held at Hokkoku Bank. This means that the value of Tochika remains relatively stable, minimizing the volatility associated with other cryptocurrencies. Users can purchase Tochika using the Tochituka app and utilize it for convenient and secure payments at participating merchants.

Tochika 是一种与日元挂钩的加密货币，并由 Hokkoku 银行持有的存款作为支持。这意味着 Tochika 的价值保持相对稳定，最大限度地减少了与其他加密货币相关的波动性。用户可以使用 Tochituka 应用程序购买 Tochika，并利用它在参与商家处进行方便、安全的付款。

The bank has emphasized the security of Tochika, stating that it is backed by the same level of trust and reliability associated with traditional bank deposits. This assurance is likely to be a key factor in gaining the confidence of retail businesses and consumers alike.

该银行强调了 Tochika 的安全性，并表示它得到了与传统银行存款相同水平的信任和可靠性的支持。这种保证可能是赢得零售企业和消费者信心的关键因素。

Retail Focus and Merchant Adoption

零售焦点和商家采用

Hokkoku Bank has placed a strong emphasis on targeting retail customers and businesses with Tochika. The bank plans to offer competitive merchant fees of just 0.5% for cashless transactions through the Tochituka app. This move is intended to encourage businesses to embrace digital payments and transition away from cash transactions, which still dominate the Japanese market.

Hokkoku Bank 非常重视利用 Tochika 瞄准零售客户和企业。该银行计划为通过 Tochituka 应用程序进行的无现金交易提供具有竞争力的 0.5% 的商户费用。此举旨在鼓励企业接受数字支付并摆脱现金交易，现金交易仍然主导着日本市场。

Additionally, Hokkoku Bank is actively engaging with companies that issue paper gift certificates to encourage them to adopt the Tochituka app and facilitate point-based transactions instead. By digitizing these transactions, businesses can streamline their operations and enhance customer convenience.

此外，北国银行还积极与发行纸质礼券的公司合作，鼓励他们采用 Tochituka 应用程序并促进基于积分的交易。通过将这些交易数字化，企业可以简化运营并提高客户便利性。

Expansion Plans and Future Developments

扩张计划和未来发展

Hokkoku Bank has ambitious plans for the future of Tochika. The bank intends to introduce person-to-person payments within the Tochituka app by the end of the year. Moreover, it aims to persuade other banks within the Ishikawa prefecture to join the initiative, creating a wider ecosystem for Tochika's usage. Ultimately, the bank envisions expanding Tochika's reach to other regions of Japan.

北国银行对 Tochika 的未来制定了雄心勃勃的计划。该银行计划在今年年底前在 Tochituka 应用程序中引入个人对个人的支付功能。此外，它的目的是说服石川县内的其他银行加入该计划，为 Tochika 的使用创建更广泛的生态系统。最终，该银行希望将 Tochika 的业务范围扩大到日本其他地区。

The technological foundation for Tochika is provided by Digital Platformer, a Japanese software development company. The platform is believed to utilize Hyperledger Iroha, a blockchain framework developed by Japanese company Soramitsu.

Tochika 的技术基础由日本软件开发公司 Digital Platformer 提供。据信该平台利用了由日本公司 Soramitsu 开发的区块链框架 Hyperledger Iroha。

Regulatory Landscape and Industry Support

监管环境和行业支持

Hokkoku Bank's launch of Tochika comes at a time of evolving regulatory policies in Japan. The government has recently enacted new laws that recognize and regulate three types of stablecoins, including those backed by banks. This regulatory framework provides a solid foundation for the development and adoption of Tochika and other stablecoins in the country.

Hokkoku Bank 推出 Tochika 之际，正值日本监管政策不断变化之际。政府最近颁布了新的法律，承认和监管三种类型的稳定币，包括由银行支持的稳定币。这一监管框架为 Tochika 和其他稳定币在该国的开发和采用奠定了坚实的基础。

In addition, other significant initiatives are taking place in Japan's stablecoin ecosystem. MUFG, one of Japan's largest banks, has launched its Progmat Coin platform, which enables the issuance of stablecoins backed by various trust banks. DCJPY, a deposit token project, is also set to launch in the current quarter. These developments indicate a growing momentum and interest in stablecoins within the Japanese financial sector.

此外，日本的稳定币生态系统正在采取其他重大举措。日本最大的银行之一三菱日联金融集团 (MUFG) 推出了 Progmat Coin 平台，可以发行由各信托银行支持的稳定币。 DCJPY 是一个存款代币项目，也将于本季度推出。这些事态发展表明日本金融部门对稳定币的势头和兴趣不断增长。

Conclusion

结论

Hokkoku Bank's launch of Tochika has injected a new level of innovation into the Japanese financial and cryptocurrency landscapes. The bank's focus on retail customers, merchant adoption, and the backing of traditional bank deposits sets Tochika apart from other stablecoin initiatives worldwide. As the project evolves and expands, it will be crucial to monitor its impact on the broader Japanese economy and its potential to revolutionize the way people think about digital payments.

Hokkoku 银行推出 Tochika 为日本金融和加密货币领域注入了新的创新水平。该银行对零售客户、商家采用以及对传统银行存款的支持的关注，使 Tochika 与全球其他稳定币计划区分开来。随着该项目的发展和扩大，监控其对更广泛的日本经济的影响及其彻底改变人们对数字支付方式的看法将至关重要。