Agora 项目选择 41 家私营部门参与者探索代币化存款与 CBDC 的整合

国际清算银行 (BIS) 已选择 41 家私营部门参与者加入 Agora 项目，该项目旨在探索如何将代币化存款与 CBDC 集成，以简化支付和跨境转账。

The Bank for International Settlements (BIS) has announced the addition of more than 40 banks and clearing houses to participate in Project Agora, an initiative that aims to integrate tokenized deposits with CBDCs for efficient cross-border fund transfers.

国际清算银行 (BIS) 宣布增加 40 多家银行和清算所参与 Agora 项目，该计划旨在将代币化存款与 CBDC 整合，以实现高效的跨境资金转移。

Launched in April 2024 by the BIS in collaboration with seven central banks, Project Agora is the latest effort to explore the tokenization of bank deposits and CBDCs. The project initially involved seven central banks, including the Bank of England (BoE), the Bank of Mexico, and the Federal Reserve Bank of New York.

Agora 项目由国际清算银行与七家央行合作于 2024 年 4 月推出，是探索银行存款和 CBDC 代币化的最新努力。该项目最初涉及七家央行，包括英格兰银行（BoE）、墨西哥银行和纽约联邦储备银行。

The initiative will see the participation of some of the world's largest banks, including Citi (NASDAQ: C) and JPMorgan (NYSE: JPM) in the U.S., Sumitomo Mitsui (NASDAQ: SMFG) and MUFG (NYSE: MUFG) in Japan, and HSBC (NYSE: HSBC) and Lloyds Banking Group (NYSE: LLDF) in the U.K. Non-bank participants include Mastercard (NYSE: MA), Swift, Visa (NYSE: V), the SIX Digital Exchange, Monex, and Euroclear.

全球一些最大的银行将参与该计划，包括美国的花旗银行（纳斯达克股票代码：C）和摩根大通（纽约证券交易所股票代码：JPM）、日本的三井住友银行（纳斯达克股票代码：SMFG）和三菱日联金融集团（纽约证券交易所股票代码：MUFG）以及英国汇丰银行（纽约证券交易所代码：HSBC）和劳埃德银行集团（纽约证券交易所代码：LLDF） 非银行参与者包括万事达卡（纽约证券交易所代码：MA）、Swift、Visa（纽约证券交易所代码：V）、SIX Digital Exchange、Monex 和 Euroclear。

The participation of banks and clearing houses in Project Agora is being coordinated by the Institute of International Finance, a global financial industry trade group. To be eligible for participation, a company must be regulated in a participating jurisdiction and be significantly involved in cross-border payments.

银行和清算所对 Agora 项目的参与是由全球金融业贸易集团国际金融研究所协调的。为了获得参与资格，公司必须在参与司法管辖区受到监管，并且大量参与跨境支付。

The project aims to enhance the efficiency of cross-border wholesale fund transfers by exploring the use of tokenized commercial bank deposits, which can be integrated with tokenized wholesale CBDC. This approach seeks to enable all participants in the process, including the central banks and the corresponding banks, to complete all the required steps, such as AML and information checks, at once.

该项目旨在通过探索使用代币化商业银行存款（可与代币化批发 CBDC 集成）来提高跨境批发资金转账的效率。这种方法旨在使该过程中的所有参与者，包括中央银行和相应银行，能够立即完成所有必需的步骤，例如反洗钱和信息检查。

By utilizing smart contracts to automate these processes, the initiative aims to eliminate the possibility of transactions failing after a few stages due to a lack of alignment between the steps completed by different participants. This will also enhance transparency and reduce the risk of errors.

通过利用智能合约来自动化这些流程，该计划旨在消除由于不同参与者完成的步骤之间缺乏一致性而导致交易在几个阶段后失败的可能性。这也将提高透明度并减少错误风险。

“Smart contracts can enable new ways of settlement and unlock types of transactions that are not viable or practical today, in turn offering new opportunities to benefit businesses and people,” the BIS noted in a statement.

国际清算银行在一份声明中指出：“智能合约可以实现新的结算方式，并解锁当今不可行或不切实际的交易类型，从而提供造福企业和人民的新机会。”

One of the key aims of Project Agora is to unlock cost efficiency and speed by eliminating the need for participants to repeat financial integrity checks, such as AML and customer verification. This will be achieved through the use of smart contracts and a unified ledger, which will provide a common infrastructure for tokenized deposits, CBDCs, and any other form of tokenized currency or asset.

Agora 项目的主要目标之一是通过消除参与者重复财务完整性检查（例如反洗钱和客户验证）的需要来释放成本效率和速度。这将通过使用智能合约和统一分类账来实现，这将为代币化存款、CBDC 和任何其他形式的代币化货币或资产提供通用基础设施。

“In Project Agorá, we want to explore a new common payment infrastructure that could bring all these elements together and might make the system work more efficiently together on a digital core financial infrastructure,” Cecilia Skingsley, who heads the BIS Innovation Hub, has explained previously.

BIS 创新中心负责人塞西莉亚·斯金斯利 (Cecilia Skingsley) 解释道：“在 Agorá 项目中，我们希望探索一种新的通用支付基础设施，该基础设施可以将所有这些要素整合在一起，并可能使系统在数字核心金融基础设施上更有效地协同工作。”之前。

The initiative builds upon the concept of a unified ledger, which was proposed by the BIS last year. It provides a common infrastructure where tokenized deposits, CBDCs, and any other form of tokenized currency or asset can interact with the guarantee of settlement finality.

该倡议建立在国际清算银行去年提出的统一分类账概念的基础上。它提供了一个通用的基础设施，代币化存款、CBDC 和任何其他形式的代币化货币或资产都可以与结算最终性保证进行交互。

The unified ledger is essentially the BIS’ response to the threat of blockchain technology. In a bid to protect its interests and those of its member banks whose business models could be disrupted by blockchain, BIS seeks to offer a centralized platform that masquerades as an efficient ledger for tokenized assets.

统一账本本质上是国际清算银行对区块链技术威胁的回应。为了保护其利益以及其商业模式可能被区块链扰乱的成员银行的利益，BIS 寻求提供一个集中式平台，伪装成代币化资产的高效分类账。

Meanwhile, Qatar has taken a significant step in its efforts to promote blockchain adoption by activating the Digital Assets Lab and welcoming the first batch of participants.

与此同时，卡塔尔通过启动数字资产实验室并欢迎第一批参与者，在促进区块链采用方面迈出了重要一步。

After years of banning digital assets, Qatar has been gradually softening its stance in recent months. A month ago, the Qatar Financial Centre (QFC) revealed that it was exploring asset tokenization in its push for digital finance.

经过多年禁止数字资产后，卡塔尔近几个月来逐渐软化立场。一个月前，卡塔尔金融中心（QFC）透露，正在探索资产代币化以推动数字金融。

In the latest development, QFC has opened the doors to its Digital Assets Lab and welcomed the first 24 participants. According to CEO Yousuf Mohamed Al-Jaida, this cohort will benefit from QFC's comprehensive support system, enabling them to deploy, test, and commercialize their digital asset solutions.

最新进展中，QFC 开放了数字资产实验室的大门，并迎来了首批 24 名参与者。首席执行官 Yousuf Mohamed Al-Jaida 表示，该群体将受益于 QFC 的全面支持系统，使他们能够部署、测试和商业化其数字资产解决方案。

The initiative will also see the participation of board partners, including Google Cloud (NASDAQ: GOOGL), local lender Masraf Al Rayan, and blockchain consortium R3.

该计划还将吸引董事会合作伙伴的参与，包括谷歌云（纳斯达克股票代码：GOOGL）、当地贷款机构 Masraf Al Rayan 和区块链联盟 R3。

Tokenization is set to be a key focus for the participants in the Digital Assets Lab. With experts indicating that tokenization could unlock up to $16 trillion by the decade’s end, Qatar is among the nations scrambling to play a part in this revolution.

代币化将成为数字资产实验室参与者的重点关注点。专家表示，到本世纪末，代币化可能会释放高达 16 万亿美元的价值，卡塔尔是争先恐后地参与这场革命的国家之一。

Commenting on the milestone, Al-Jaida highlighted the pivotal role of the participants' efforts in advancing digital asset solutions across the wider Qatari ecosystem.

Al-Jaida 在评论这一里程碑时强调了参与者在更广泛的卡塔尔生态系统中推进数字资产解决方案的努力所发挥的关键作用。

“The technologies we aim to develop through the Lab will support our goal of creating a resilient and secure financial sector, fostering a thriving wealth management hub, and positioning Qatar at the forefront of innovation,” he said.

他表示：“我们旨在通过实验室开发的技术将支持我们的目标，即创建一个有弹性和安全的金融部门，培育一个繁荣的财富管理中心，并将卡塔尔置于创新的前沿。”

Watch: Finding ways to use CBDC outside of digital currencies

观看：寻找在数字货币之外使用 CBDC 的方法