SWIFT 的 CBDC 加速器：弥合数字货币鸿沟的挑战和回报

SWIFT 的 CBDC 实验已结束第二阶段，推出了名为 SWIFT 连接器的可互操作解决方案。这项创新利用 DLT 和智能合约连接现有的 CBDC，从而实现数字贸易、证券和外汇领域的一系列应用。测试阶段涉及38家机构和超过125个沙箱用户，产生了750笔交易，证明了该平台的稳健性。

SWIFT's Accelerator Program: Roadblocks and Potential Payoffs

SWIFT 加速器计划：障碍和潜在回报

Is the SWIFT Connector the Missing Link for CBDCs?

SWIFT 连接器是 CBDC 缺失的一环吗？

SWIFT's latest foray into central bank digital currencies (CBDCs) has yielded promising results. Their six-month trial of a proprietary connector platform unveils a myriad of potential use cases, but questions linger about its feasibility and adoption prospects.

SWIFT 最新进军央行数字货币 (CBDC) 的举措已取得可喜成果。他们对专有连接器平台进行了为期六个月的试验，揭示了无数潜在的用例，但对其可行性和采用前景的疑问仍然存在。

Not Reinventing the Wheel: The SWIFT Connector Approach

不要重新发明轮子：SWIFT 连接器方法

Instead of going down the path of creating a standalone CBDC, SWIFT has taken a unique approach with its "SWIFT connector." Its interoperability lies at the heart of this solution, designed to bridge different existing CBDCs.

SWIFT 没有走创建独立 CBDC 的道路，而是通过其“SWIFT 连接器”采取了独特的方法。其互操作性是该解决方案的核心，旨在桥接不同的现有 CBDC。

DLT and Smart Contracts: The Foundation of Interoperability

DLT 和智能合约：互操作性的基础

Underpinning the SWIFT connector solution is a robust layer of distributed ledger technology (DLT) and smart contracts. This framework ensures transparency and consistency in transaction records, essential for building trust in a decentralized environment.

SWIFT 连接器解决方案的基础是强大的分布式账本技术 (DLT) 和智能合约层。该框架确保交易记录的透明度和一致性，这对于在去中心化环境中建立信任至关重要。

Applications Galore: From Digital Trade to Tokenized Deposits

应用丰富：从数字贸易到代币化存款

The envisioned use cases for the platform span traditional financial activities such as digital trade, securities, and foreign exchange. It even holds promise for extending tokenized deposit networks led by banks. Smart contracts play a central role in automating various processes, from trade payments to liquidity-saving mechanisms.

该平台的预期用例涵盖数字贸易、证券和外汇等传统金融活动。它甚至有望扩展由银行主导的代币化存款网络。智能合约在从贸易支付到流动性节省机制等各种流程自动化方面发挥着核心作用。

Cross-Network Collaboration: Putting Theory into Practice

跨网络协作：将理论付诸实践

During the testing phase, SWIFT seamlessly integrated multiple DLT networks. Tokenization was handled by Hyperledger Besu, while R3 Corda and Hyperledger Fabric orchestrated buyer and seller networks and settlement instructions. The platform demonstrated its ability to enable atomic settlements and swaps, mirroring traditional methods of delivery versus payment (DVP).

在测试阶段，SWIFT 无缝集成了多个 DLT 网络。代币化由 Hyperledger Besu 处理，而 R3 Corda 和 Hyperledger Fabric 则协调买家和卖家网络以及结算指令。该平台展示了其实现原子结算和交换的能力，反映了传统的付款交割方式（DVP）。

A Global Test Drive: Validators Give Their Verdict

全球试驾：验证者给出结论

The testing phase involved 38 participating institutions, making it one of the most comprehensive CBDC experiments to date. Over 125 sandbox users conducted a staggering 750 transactions, providing valuable feedback on the platform's robustness and scalability. SWIFT's collaborative approach involved ongoing discussions with financial institutions, further refining use cases through 20 working group meetings.

测试阶段涉及 38 个参与机构，使其成为迄今为止最全面的 CBDC 实验之一。超过 125 个沙箱用户进行了惊人的 750 笔交易，为平台的稳健性和可扩展性提供了宝贵的反馈。 SWIFT 的协作方法涉及与金融机构的持续讨论，通过 20 次工作组会议进一步完善用例。

The Road Ahead: A Journey of Evolution and Adoption

未来之路：进化和采用之旅

SWIFT plans to outline a production roadmap for the SWIFT connector, but its progress depends on market dynamics and the readiness of financial institutions. This initiative aligns with the growing global interest in CBDCs, with countries like China and the Bahamas leading the charge. Over 130 other countries are exploring CBDCs, with notable developments in Europe, the Philippines, and Spain.

SWIFT 计划概述 SWIFT 连接器的生产路线图，但其进展取决于市场动态和金融机构的准备情况。这一举措符合全球对 CBDC 日益增长的兴趣，其中中国和巴哈马等国家带头。其他 130 多个国家正在探索 CBDC，其中欧洲、菲律宾和西班牙的进展显着。

SWIFT's Position: Navigator or Pawn in the Global CBDC Landscape?

SWIFT 的定位：全球 CBDC 格局中的领航者还是棋子？

SWIFT's CBDC journey serves as a testament to the evolving financial landscape. Whether the SWIFT connector will become the cornerstone of interoperability or remain a niche solution remains to be seen. One thing is certain: the race to embrace CBDCs is accelerating, and SWIFT's involvement signals its intention to play a pivotal role in shaping the future of digital money.

SWIFT 的 CBDC 之旅证明了不断变化的金融格局。 SWIFT 连接器是否会成为互操作性的基石，或者仍然是一个利基解决方案，还有待观察。有一点是肯定的：拥抱 CBDC 的竞赛正在加速，而 SWIFT 的参与表明其有意在塑造数字货币的未来方面发挥关键作用。