英国金融公布下一阶段 RLN 试验，探索金融创新

英国金融局宣布开始在英国进行监管责任网络（RLN）的实验性试验。 RLN 的目标是通过使用共享账本将代币化存款与传统存款整合起来，建立一个统一的“创新平台”。包括巴克莱银行、汇丰银行和国民西敏寺银行在内的英国主要银行，以及信用卡公司万事达卡和维萨卡，正在就这一举措进行合作。该项目旨在通过开发原型和试验来评估共享平台的好处，并随后发布一份报告，探讨客户优势以及技术和法律影响。

UK Finance Announces New Phase of Regulated Liability Network Trials

英国金融宣布新阶段的监管责任网络试验

London, United Kingdom - UK Finance, the leading trade association representing the UK banking and financial services sector, has announced the commencement of a new phase of experimental trials for the Regulated Liability Network (RLN). The RLN is a transformative initiative aiming to establish a shared platform for financial innovation, integrating tokenized and conventional deposits within a secure and regulated environment.

英国伦敦 - 代表英国银行和金融服务业的领先贸易协会英国金融局宣布启动监管责任网络 (RLN) 的新阶段实验。 RLN 是一项变革性举措，旨在建立一个金融创新共享平台，将代币化存款和传统存款整合到安全且受监管的环境中。

Collaboration of Major Financial Institutions and Technology Partners

主要金融机构和技术合作伙伴的合作

The RLN trials have garnered the participation of all major British banks, including Barclays, Citi, HSBC, Lloyds, NatWest, Nationwide, Santander, Standard Chartered, and Virgin Money. Additionally, global card giants Mastercard and Visa are lending their expertise to the project.

RLN 试验吸引了英国所有主要银行的参与，包括巴克莱银行、花旗银行、汇丰银行、劳埃德银行、国民西敏寺银行、全国银行、桑坦德银行、渣打银行和维珍货币银行。此外，全球信用卡巨头万事达卡和维萨卡也向该项目提供专业知识。

Recognizing the crucial role of technology in realizing the RLN's potential, UK Finance has partnered with R3 and Quant as technology providers. R3's Corda enterprise blockchain platform will serve as the underlying infrastructure, while Quant will contribute its innovative distributed ledger technology (DLT). DXC Technology will lead the technical implementation, ensuring seamless integration and interoperability.

UK Finance 认识到技术在实现 RLN 潜力方面的关键作用，已与作为技术提供商的 R3 和 Quant 合作。 R3的Corda企业区块链平台将作为底层基础设施，而Quant将贡献其创新的分布式账本技术（DLT）。 DXC Technology 将主导技术实施，确保无缝集成和互操作性。

Project Coordination and Governance

项目协调和治理

UK Finance serves as the project coordinator, providing overall oversight and guidance. The organization is supported by EY, a leading global consulting firm, and Linklaters, a prominent international law firm, which will provide legal and regulatory expertise.

英国财政部担任项目协调员，提供总体监督和指导。该组织得到了全球领先咨询公司安永和著名国际律师事务所年利达律师事务所的支持，将提供法律和监管专业知识。

Commenting on the project's significance, Jana Mackintosh, Managing Director of Payment Innovation and Resilience at UK Finance, stated, "This project will rigorously test the hypothesized benefits of the RLN as a platform for innovation. The insights gained will be pivotal in future-proofing and advancing the UK's financial infrastructure."

英国金融公司支付创新和弹性董事总经理 Jana Mackintosh 在评论该项目的重要性时表示：“该项目将严格测试 RLN 作为创新平台的假设优势。所获得的见解对于面向未来至关重要并推进英国的金融基础设施。”

Innovative Use Cases

创新用例

The RLN trials will focus on evaluating three distinct use cases that showcase the potential of the shared platform. These use cases encompass:

RLN 试验将重点评估三个不同的用例，以展示共享平台的潜力。这些用例包括：

• Fraud Prevention for Online Purchases: Utilizing conditional payments that settle upon delivery of goods, this application aims to significantly reduce fraud in e-commerce transactions.
• Digitized House Transactions: In collaboration with DLT firm Coadjute, this use case will explore the streamlined and secure processing of payments for property purchases.
• Delivery versus Payment for Digital Bond Transactions: This application will facilitate efficient settlement of digital bond transactions, ensuring timely delivery and payment execution.

Highlighting the transformative potential of DLT, Tiina Lee, CEO of Citi UK, remarked, "Shared ledger technology has the capacity to establish multi-asset settlement venues that operate 24/7 and can respond to the evolving needs of the rapidly evolving digital economy."

在线购买欺诈预防：该应用程序利用在货物交付时结算的有条件付款，旨在显着减少电子商务交易中的欺诈。数字化房屋交易：与 DLT 公司 Coadjute 合作，该用例将探索简化且安全的处理数字债券交易的交付与付款：该应用程序将促进数字债券交易的高效结算，确保及时交付和付款执行。花旗英国首席执行官蒂娜·李（Tiina Lee）强调了 DLT 的变革潜力，“共享账本技术有能力建立24/7运营的多资产结算场所，并能够响应快速发展的数字经济不断变化的需求。”

Technology and Regulatory Considerations

技术和监管考虑因素

The RLN trials leverage the experience and expertise gained from previous initiatives. Quant's participation ensures continuity with the Bank of England's Project Rosalind, which explored the feasibility of a digital pound. Several participating banks, including Lloyds, Natwest, and Nationwide, have invested in Coadjute, which utilizes R3's Corda blockchain.

RLN 试验利用了从之前的举措中获得的经验和专业知识。宽特的参与确保了英格兰银行罗莎琳德项目的连续性，该项目探索了数字英镑的可行性。包括 Lloyds、Natwest 和 Nationwide 在内的几家参与银行都投资了 Coadjute，该公司利用 R3 的 Corda 区块链。

To ensure compliance with regulatory requirements, the RLN trials will adhere to the highest standards of financial regulation. The involvement of Linklaters will provide ongoing guidance and support to ensure the project's adherence to applicable laws and regulations.

为了确保符合监管要求，RLN 试验将遵守金融监管的最高标准。年利达律师事务所的参与将提供持续的指导和支持，以确保该项目遵守适用的法律和法规。

The trials will continue until the summer of 2023, culminating in a comprehensive report that will assess the customer benefits, technology capabilities, and legal implications of the RLN. The findings will serve as a valuable resource for policymakers, financial institutions, and industry stakeholders as they navigate the transformative era of digital finance.

试验将持续到 2023 年夏季，最终形成一份综合报告，评估 RLN 的客户利益、技术能力和法律影响。这些研究结果将为政策制定者、金融机构和行业利益相关者在数字金融变革时代的发展过程中提供宝贵的资源。