香港虚拟银行先驱众安银行拥抱数字金融革命

香港虚拟贷款机构众安银行 (ZA Bank) 通过与潜在的稳定币发行人合作建立法定储备账户，进军数字金融领域。此举旨在将数字资产融入传统银行业务，并与香港探索数字资产ETF和将自身定位为数字资产中心的努力不谋而合。 ZA 银行在现金和债券储备的支持下探索稳定币用例的举措标志着该地区数字金融与传统金融的融合。

Hong Kong's Virtual Banking Pioneer Embraces Digital Finance Revolution

香港虚拟银行先驱拥抱数字金融革命

Hong Kong's virtual banking frontrunner, ZA Bank, is making bold strides in the ever-evolving landscape of digital finance. In a strategic move that signals the increasing convergence of traditional banking and the burgeoning world of digital assets, ZA Bank is actively engaging with prospective stablecoin issuers to establish fiat reserve accounts.

香港虚拟银行领跑者众安银行 (ZA Bank) 正在不断发展的数字金融领域大踏步前进。作为一项战略举措，ZA Bank 正在积极与潜在的稳定币发行人合作，建立法定储备账户，这标志着传统银行业务与新兴的数字资产世界日益融合。

This pioneering initiative marks a significant milestone in Hong Kong's journey to establish itself as a vibrant digital asset hub. The city's progressive stance towards crypto regulation, including the licensing of crypto trading platforms and the exploration of digital-asset-exchange-traded funds (ETFs), is paving the way for the seamless integration of digital assets into mainstream financial infrastructure.

这一开创性举措标志着香港成为充满活力的数字资产中心的历程中的一个重要里程碑。该市对加密货币监管的进步立场，包括加密货币交易平台的许可和数字资产交易所交易基金（ETF）的探索，正在为数字资产无缝融入主流金融基础设施铺平道路。

Exploring the Tangible Potential of Stablecoins

探索稳定币的有形潜力

"Stablecoins have captured our attention due to their multifaceted applications in both wholesale and retail markets," said Devon Sin, Alternate Chief Executive of ZA Bank. These digital assets, designed to maintain a stable value typically pegged to fiat currencies like the US dollar, present numerous opportunities for innovation and efficiency in financial transactions.

ZA 银行副首席执行官 Devon Sin 表示：“稳定币因其在批发和零售市场的多方面应用而引起了我们的关注。”这些数字资产旨在维持通常与美元等法定货币挂钩的稳定价值，为金融交易的创新和效率提供了众多机会。

In collaboration with potential stablecoin issuers, ZA Bank aims to explore tangible use cases that leverage the unique capabilities of stablecoins. From seamless tokenization of assets to frictionless exchange trading settlements and secure cross-border remittances, the potential applications are vast.

ZA Bank 与潜在的稳定币发行人合作，旨在探索利用稳定币独特功能的切实用例。从资产的无缝代币化到无摩擦的交易所交易结算和安全的跨境汇款，潜在的应用是巨大的。

Regulatory Sandbox: A Testbed for Innovation

监管沙盒：创新试验台

Hong Kong's Monetary Authority (HKMA) has established a regulatory sandbox, providing a controlled environment for financial institutions to experiment with innovative financial products and services. ZA Bank's engagement with stablecoin issuers will fall under the ambit of this sandbox, allowing for the testing and development of robust and compliant solutions.

香港金融管理局（金管局）建立了监管沙盒，为金融机构试验创新金融产品和服务提供受控环境。 ZA 银行与稳定币发行人的合作将属于该沙箱的范围，以便测试和开发强大且合规的解决方案。

Regulatory Framework for Stablecoins

稳定币的监管框架

The HKMA is diligently working on developing a comprehensive regulatory framework specifically tailored for stablecoins. This framework will provide clear guidelines on the issuance, operation, and oversight of these digital assets, ensuring stability and security within the digital asset ecosystem.

香港金管局正在努力制定专门针对稳定币的全面监管框架。该框架将为这些数字资产的发行、运营和监管提供明确的指导方针，确保数字资产生态系统的稳定性和安全性。

Hong Kong's Commitment to Digital Asset Regulation

香港对数字资产监管的承诺

Last year, Hong Kong made a bold move by adopting regulations for stablecoin issuers, demonstrating its commitment to creating a robust and transparent digital asset market. The proposed rules, outlined in a consultation paper by the Financial Services and the Treasury Bureau and the HKMA, aim to strike a balance between fostering innovation while safeguarding investors' interests.

去年，香港采取了一项大胆举措，对稳定币发行人实施了监管，表明了其对创建稳健、透明的数字资产市场的承诺。财经事务及库务局和金管局在一份咨询文件中概述了拟议规则，旨在在促进创新和保障投资者利益之间取得平衡。

According to the consultation paper, stablecoins are defined as digital assets pegged to one or more fiat currencies, aiming to maintain a stable value. Stablecoin issuers actively marketing their fiat-referenced stablecoins to the Hong Kong public must obtain a local license.

根据咨询文件，稳定币被定义为与一种或多种法定货币挂钩的数字资产，旨在维持稳定的价值。稳定币发行人积极向香港公众推销其法定稳定币必须获得当地许可证。

Algorithmic stablecoins, which have gained notoriety following the collapse of TerraUSD, are not permitted in Hong Kong. To obtain a license, stablecoin issuers must adhere to stringent requirements, including maintaining a full reserve of assets backing the stablecoins, ensuring it is at least equal to the par value. These reserves must be segregated and securely stored, and they must be regularly reported to regulators. Additionally, stablecoin issuers must establish a local presence by appointing key personnel, including a Chief Executive Officer and senior management team.

在 TerraUSD 崩溃后声名狼藉的算法稳定币在香港是不允许的。为了获得许可证，稳定币发行人必须遵守严格的要求，包括维持支持稳定币的完整资产储备，确保其至少等于票面价值。这些储备必须隔离并安全存储，并且必须定期向监管机构报告。此外，稳定币发行人必须通过任命关键人员（包括首席执行官和高级管理团队）来建立当地业务。

Conclusion

结论

ZA Bank's engagement with potential stablecoin issuers is a testament to the growing recognition of the transformative potential of digital assets in the banking and financial sectors. With Hong Kong's progressive regulatory approach and the HKMA's commitment to fostering innovation within a sound regulatory framework, the city is well-positioned to become a global leader in the digital asset revolution.

ZA Bank 与潜在稳定币发行人的合作证明了银行和金融领域对数字资产变革潜力的日益认识。凭借香港先进的监管方式以及金管局致力于在健全的监管框架内促进创新的承诺，香港已做好充分准备，成为数字资产革命的全球领导者。