SWIFT 准备推出 CBDC 连接平台

连接全球私人银行的全球金融报文标准运营商 SWIFT 正在进军央行数字货币 (CBDC) 业务。这家总部位于比利时的财团公布了推出 CBDC 平台的计划，该平台将连接各种国家的数字货币和现有的金融系统。 SWIFT 在此之前进行了为期六个月的实验，旨在确定该解决方案的可行性。该试点被认为是成功的，涉及 38 家金融机构，包括中央银行、商业银行和其他参与者。

SWIFT Embarks on CBDC Connectivity Platform Launch

SWIFT 启动 CBDC 连接平台

Brussels, Belgium – The Society for Worldwide Interbank Financial Telecommunication (SWIFT), the operator of the de facto messaging network connecting financial institutions globally, is venturing into the central bank digital currency (CBDC) settlement business.

比利时布鲁塞尔 - 全球银行间金融电信协会 (SWIFT) 是连接全球金融机构的事实信息网络的运营商，正在进军央行数字货币 (CBDC) 结算业务。

The Belgium-based cooperative has announced plans to launch a CBDC platform that will bridge different national digital currencies with the existing financial infrastructure.

这家总部位于比利时的合作社宣布计划推出一个 CBDC 平台，将不同国家的数字货币与现有的金融基础设施联系起来。

SWIFT's decision follows a six-month proof-of-concept trial to determine the viability of such a solution. The pilot was deemed successful, involving 38 financial institutions, including central banks, commercial banks, and other participants.

SWIFT 的决定是在为期六个月的概念验证试验之后做出的，以确定此类解决方案的可行性。该试点被认为是成功的，涉及38家金融机构，包括中央银行、商业银行和其他参与者。

Speaking to Reuters, SWIFT's Head of Innovation, Nick Kerigan, provided an indicative timeline for the connectivity network's rollout. "We are looking at a production [product launch] timeline for the next 12 to 24 months," he said in an interview with Reuters. "It's moving from an experiment to something that's going to become real."

SWIFT 创新主管 Nick Kerigan 在接受路透社采访时提供了连接网络推出的指示性时间表。 “我们正在考虑未来 12 至 24 个月的生产[产品发布]时间表，”他在接受路透社采访时表示。 “它正在从实验转向即将成为现实的事情。”

While approximately 90% of central banks worldwide are exploring the possibility of issuing a digital version of their currency, only a handful have advanced to production.

虽然全球约 90% 的中央银行正在探索发行其货币数字版本的可能性，但只有少数中央银行已经进入生产阶段。

The Bahamas, Nigeria, and Jamaica have launched their CBDCs, while China has an advanced pilot program underway.

巴哈马、尼日利亚和牙买加已经推出了各自的 CBDC，而中国正在进行一项先进的试点计划。

SWIFT's move, however, could establish the rails for a centralized CBDC ecosystem even after such currencies are issued, seeking to capture the space ahead of potential competitors.

然而，SWIFT 的举动可能会为集中式 CBDC 生态系统奠定基础，即使在此类货币发行之后，也能在潜在竞争对手之前抢占先机。

This is feasible because SWIFT's interlinking systems are agnostic to the architecture of the individual digital currencies they will handle.

这是可行的，因为 SWIFT 的互连系统对其将处理的各个数字货币的架构是不可知的。

Other platforms seeking to aggregate CBDCs and facilitate transactions and settlements among them are also in development.

其他寻求聚合 CBDC 并促进它们之间的交易和结算的平台也在开发中。

Project mBridge, a platform connecting digital currencies of the United Arab Emirates, China, Hong Kong, and Thailand, achieved a milestone in January, facilitating the first cross-border digital dirham payment.

Project mBridge是一个连接阿拉伯联合酋长国、中国、香港和泰国数字货币的平台，一月份实现了里程碑，促成了首笔跨境数字迪拉姆支付。

By connecting CBDCs from various jurisdictions on a single network, SWIFT and other similar platforms aim to streamline cross-border payments, enhance transparency, and reduce the need for intermediaries.

通过在单一网络上连接来自不同司法管辖区的 CBDC，SWIFT 和其他类似平台旨在简化跨境支付、提高透明度并减少对中介机构的需求。

Industry experts believe that CBDCs may coexist with other forms of digital currency, such as stablecoins and cryptocurrencies, but the regulatory landscape and technical interoperability challenges need to be addressed for widespread adoption.

行业专家认为，CBDC 可能与其他形式的数字货币共存，例如稳定币和加密货币，但需要解决监管环境和技术互操作性挑战才能广泛采用。