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Did you Know?
ETtechGlobal 银行消息网络 SWIFT 告诉路透社，该公司计划在未来一到两年内建立一个新平台，将目前正在开发的央行数字货币浪潮与现有金融系统连接起来。鉴于 SWIFT 在全球银行业中的关键作用，这一举措对于新兴的 CBDC 生态系统来说将是迄今为止最重要的举措之一，并且可能会在第一个主要举措推出时进行微调。全球约 90% 的中央银行目前正在探索其货币的数字版本。大多数人不想被比特币和其他加密货币抛在后面，但正在努力应对技术的复杂性。 .mudrexTable{字体系列：蒙特塞拉特岛；宽度：640px；显示：内联块；边距：10px自动；字体大小：11px；行高：14px；边框底部：1px实心#C7C7C7；边框顶部：1px固体#C7C7C7;填充：20px 0 10px 0} .mudrexTable .tTopic{font-size:12px;font-weight:700;margin-bottom:20px;font-family:Montserrat;} .mudrexTable .tTopic a{颜色:# 000;文本装饰:无;边框底部:0;字体粗细:700;} .mudrexTable .thead{浮动:左;宽度:610px;边距:0 10px 15px 10px} .mudrexTable .thead .mtext{浮动:左；字体大小：20px；字体粗细：700} .mudrexTable .thead .mlogo{float：右} .mudrexTable .M_left{float：左；宽度：300px；右边框：1px 实心#E3E3E3；边距：10px 15px} .mudrexTable .R_left{float:right;width:300px;margin:10px 0} .mudrexTable .list{border-bottom:1px虚线#E3E3E3;margin:0 0 10px;padding-bottom:10px;float:left; width:280px} .mudrexTable .list div{float:left} .mudrexTable .list .name{width:150px} .mudrexTable .list .name a, .mudrexTable .R_left .list .name a{font-weight:400;border -bottom:0;color:#000;text-decoration:none;} .mudrexTable .list .name a:hover, .mudrexTable .R_left .list .name a:hover, .mudrexTable .tTopic a:hover{text-decoration :下划线;} .mudrexTable .list .value{宽度:64px;文本对齐:中心} .mudrexTable .list .valueOne{文本对齐:左;填充左:12px;宽度:52px;} .mudrexTable .R_left .列表 .name{宽度:100px} .mudrexTable .R_left .list .value{宽度:115px;文本对齐:右;边距右: 20px;} .mudrexTable .R_left .list .buy{宽度:40px;文本对齐:center} .mudrexTable .买一个{显示：内联块；垂直对齐：顶部；边框半径：20px；边框：实心1px紫色；填充：1px 10px；颜色：紫色；光标：指针；文本转换：大写；字体粗细：400} .mudrexTable .arrow{边框：solid #000;边框宽度：0 1px 1px 0;显示：内联块；填充：3px} .mudrexTable .right{变换：旋转(-45deg) ;-webkit-transform:旋转(-45deg)} .mudrexTable .returnPrc{位置：相对;} .mudrexTable span.returnPrc{显示:inline-block;padding-left:10px;} .mudrexTable .up{颜色: #0e9687 } .mudrexTable .down{颜色：#da2337} .mudrexTable .returnPrc.up:before{内容：''；位置：绝对；左：4px；顶部：2px；宽度：3px；高度：3px；边框顶部：solid 1px #0e9687;border-right:solid 1px #0e9687;transform:rotate(-45deg)} .mudrexTable .returnPrc.up:after{content:'';position:absolute;left:5.5px;top:2px;border-左：实心 1px #0e9687;底部：4px} .mudrexTable .returnPrc.down：之前{内容：''；位置：绝对；左：4px；顶部：8px；宽度：3px；高度：3px；边框顶部：solid 1px #da2337;border-right:solid 1px #da2337;transform:rotate(135deg)} .mudrexTable .returnPrc.down:after{content:'';position:absolute;left:5.5px;top:3px;border-left :solid 1px #da2337;bottom:3px} Crypto TrackerTOP COIN SETSDeFi Tracker22.03% BuySmart Contract Tracker18.02% BuyAI Tracker17.07% BuyBTC 50 :: ETH 5014.91% BuyWeb3 Tracker12.56% BuyTOP COINS ($) 比特币5,853,884 ( 0.5%)购买以太坊299,416 (0.22%)购买Tether83 (-0.28%)购买Solana15,908 (-0.9%)购买BNB48,153 (-2.64%)购买你知道吗？
The world of cryptocurrencies is very dynamic. Prices can go up or down in a matter of seconds. Thus, having reliable answers to such questions is crucial for investors.
加密货币的世界非常活跃。价格可能会在几秒钟内上涨或下跌。因此，获得此类问题的可靠答案对于投资者来说至关重要。
It also showed they could be used in highly complex trade or foreign exchange payments and potentially be automated so to both speed up and lower the costs of the processes.
Kerigan said the results, which had also proven banks could use their existing infrastructure, had been widely regarded as a success by those who took part and given SWIFT a timeline to work to.
"We are looking at a roadmap to productize (launch as a product) in the next 12-24 months," Kerigan said in an interview. "It's moving out of experimental stage towards something that is becoming a reality."
Although the timeframe could still shift if major economy CBDC launches get delayed, getting out the blocks for when they do would be a major boost for maintaining SWIFT's incumbent dominance in the bank-to-bank plumbing network.
Countries such as the Bahamas, Nigeria and Jamaica already have CBDCs up and running. China is well advanced with real-life trials of an e-yuan. The European Central Bank has digital euro one underway too, while the Bank for International Settlements, the global central bank umbrella group, is running multiple cross-border trials.
SWIFT's main advantage though is that its existing network is already usable in over 200 countries and connects more than 11,500 banks and funds who use it to send trillions of dollars every day.
SCALABLE OPTION
The firm has gone from being virtually unknown outside banking circles to a household name since 2022 when it cut most of Russia's banks off from its network as part of the West's sanctions for the invasion of Ukraine.
Kerigan said that kind of move could still happen in a new CBDC system, but doubted whether it would stop countries from joining one.
Its latest trial involved central banks from Germany, France, Australia, Singapore, Czech Republic and Thailand as well as a number that requested to remain anonymous.
A raft of heavyweight commercial banks including HSBC, Citibank, Deutsche Bank, Societe Generale, Standard Chartered and the CLS FX settlement platform all took part too, as did at least two banks from China.
The idea is that once the interlink solution is scaled-up, banks would have one main global connection point able to handle digital asset payments, rather than thousands if they were to set up an individual one with every counterparty.
As well as the advance towards CBDCs, Kerigan pointed to a forecast from Boston Consulting Group (BCG) that by 2030 around $16 trillion worth of assets could be "tokenised" - a process where assets like stocks and bonds are transformed into digital chips that can then be issued and traded in real-time.
"If we can plug in any number of networks (into the SWIFT system) it becomes a much more scalable option for the industry," he said.
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查看详细信息»支付系统碎片化风险。它还表明它们可以用于高度复杂的贸易或外汇支付，并且有可能实现自动化，从而加快流程并降低流程成本。 Kerigan 表示，调查结果也证明了银行可以利用其现有基础设施，参与者普遍认为这一结果是成功的，并为 SWIFT 提供了工作时间表。 “我们正在研究未来 12-24 个月内产品化（作为产品发布）的路线图，”克里根在接受采访时表示。 “它正在从实验阶段走向现实。”尽管如果主要经济体 CBDC 的推出被推迟，时间框架仍可能发生变化，但在推出时摆脱阻碍将是维持 SWIFT 在银行间管道网络中现有主导地位的重大推动力。巴哈马、尼日利亚和牙买加等国家已经建立并运行 CBDC。中国在电子人民币的现实试验方面已经取得了很大进展。欧洲央行也在进行数字欧元，而全球央行保护伞集团国际清算银行也在进行多项跨境试验。不过，SWIFT 的主要优势在于其现有网络已在 200 多个国家/地区使用，并连接超过 11,500 家银行和基金，这些银行和基金每天通过该网络发送数万亿美元。自 2022 年以来，作为西方对入侵乌克兰制裁的一部分，该公司从银行界之外几乎不为人知的名字变成了家喻户晓的名字，该公司将大部分俄罗斯银行与其网络切断了联系。 Kerigan 表示，在新的 CBDC 系统中仍然可能发生这种举措，但怀疑这是否会阻止各国加入该系统。其最新的试验涉及德国、法国、澳大利亚、新加坡、捷克共和国和泰国的央行，以及一些要求匿名的央行。汇丰银行、花旗银行、德意志银行、法国兴业银行、渣打银行和CLS外汇结算平台等众多重量级商业银行也参与其中，至少两家中国银行也参与其中。这个想法是，一旦互连解决方案规模扩大，银行将拥有一个能够处理数字资产支付的主要全球连接点，而不是如果银行与每个交易对手建立一个单独的连接点，则将有数千个连接点。除了 CBDC 的进展外，Kerigan 还指出，波士顿咨询集团 (BCG) 预测，到 2030 年，价值约 16 万亿美元的资产可能会被“代币化”——在这一过程中，股票和债券等资产将转化为数字芯片，可以然后实时发行和交易。他说：“如果我们可以插入任意数量的网络（接入 SWIFT 系统），那么它就成为该行业更具可扩展性的选择。”（您现在可以订阅我们的 ETMarkets WhatsApp 频道）阅读有关商业银行银行支付选项金融的更多新闻（正在发生什么变化） Sensex 和 Nifty 在 ETMarkets 上跟踪最新的市场新闻、股票提示和专家建议。此外，ETMarkets.com 现已在 Telegram 上提供。有关金融市场、投资策略和股票提醒的最快新闻提醒，请订阅我们的 Telegram 源。) 下载经济时报新闻应用程序可获取每日市场更新和实时商业新闻。
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...更多（您现在可以订阅我们的 ETMarkets WhatsApp 频道）阅读有关商业银行银行支付选项金融的更多新闻（正在发生什么 Sensex 和 Nifty 在 ETMarkets 上跟踪最新市场新闻、股票提示和专家建议。此外，ETMarkets.com 现已在 Telegram 上提供。如需有关金融市场、投资策略和股票提醒的最快新闻提醒，请订阅我们的 Telegram 提要。）下载经济时报新闻应用程序以获取每日市场更新和实时商业新闻。
Subscribe to The Economic Times Prime and read the Economic Times ePaper Online.and Sensex Today.
订阅经济时报 Prime 并阅读经济时报在线电子纸和 Sensex Today。
Top Trending Stocks: SBI Share Price, Axis Bank Share Price, HDFC Bank Share Price, Infosys Share Price, Wipro Share Price, NTPC Share Price
热门股票：SBI 股价、Axis Bank 股价、HDFC Bank 股价、Infosys 股价、Wipro 股价、NTPC 股价
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