螞蟻集團，匯豐和令牌存款：跨境支付的新時代

Ant Group與匯豐銀行合作與先驅令牌化存款服務（TDS）一起進行跨境支付，簡化財政​​部業務並標誌著區塊鏈採用的重要一步。

Ant Group, HSBC, and Tokenized Deposits: A New Era for Cross-Border Payments

螞蟻集團，匯豐和令牌存款：跨境支付的新時代

The collaboration between Ant Group and HSBC on tokenized deposits signals a shift in how global payments and corporate treasury are managed, blending blockchain efficiency with traditional finance.

螞蟻集團與匯豐銀行在代幣礦床上的合作表明，全球付款和公司財政部如何管理，將區塊鏈效率與傳統金融融為一體。

HSBC and Ant Group Lead the Way with Tokenized Deposits

匯豐銀行和螞蟻組以令牌化沉積物領導

HSBC's recent announcement that Ant International, Ant Group's global business arm, is the first client to use its Tokenised Deposit Service (TDS) marks a pivotal moment. Five months after HSBC launched TDS for corporate cash management in Hong Kong, this collaboration demonstrates the real-world application of blockchain technology in finance. TDS uses distributed ledger technology (DLT) for instant remittance and payment settlements, enabling clients to create digital records of their fiat deposits. These digital records are tokens that can be transferred, while HSBC maintains the actual fiat deposits.

匯豐銀行最近宣布，國際螞蟻集團的全球業務部門Ant是第一個使用其令牌存款服務（TDS）的客戶標誌著關鍵時刻。匯豐銀行（HSBC）在香港啟動公司現金管理TD五個月後，這種合作證明了區塊鏈技術在金融中的現實應用。 TDS使用分佈式分類帳技術（DLT）進行即時匯款和付款和解，使客戶能夠創建其菲亞特存款的數字記錄。這些數字記錄是可以轉移的代幣，而匯豐銀行維護實際的菲亞特存款。

The Benefits of Tokenized Deposits

令牌存款的好處

Tokenized deposits are poised to revolutionize liquidity management. Unlike stablecoins issued by private entities, tokenized deposits remain liabilities of regulated banks, integrating blockchain efficiency into traditional financial frameworks. HSBC aims to empower corporate clients by providing a secure platform for round-the-clock fund transfers, automated reconciliation, enhanced security, and seamless integration with treasury systems.

象徵性的存款有望徹底改變流動性管理。與由私人實體發行的穩定幣不同，令牌化存款仍然是受監管的銀行的負債，將區塊鏈效率整合到傳統的財務框架中。匯豐銀行旨在通過為全天候基金轉移，自動對帳，增強的安全性以及與財政系統的無縫集成提供安全的平台來增強企業客戶的能力。

Programmable payments, triggered by preset rules, streamline cash flow management. For Ant International, TDS facilitates efficient treasury operations and supports faster, more efficient financial services for global partners.

可編程付款，由預設規則觸發，簡化現金流量管理。對於ANT International，TDS促進了有效的財政運營，並為全球合作夥伴提供更快，更有效的金融服務。

Ant Group's Vision for Tokenization

螞蟻集團的令牌化願景

Ant Group sees HSBC’s tokenized deposits as a key to scaling its global treasury operations and expanding its presence in cross-border digital finance. Kelvin Li, General Manager of Platform Tech at Ant International, emphasized that TDS enables real-time payments and treasury management on a global scale.

Ant Group認為匯豐銀行的代幣化沉積物是擴展其全球財政部業務並擴大其在跨境數字融資中的關鍵。 ANT International平台技術總經理Kelvin Li強調，TDS可以在全球範圍內實時付款和財政管理。

Tokenization: The Future of Finance?

代幣化：財務的未來？

HSBC's rollout with Ant International suggests a paradigm shift in corporate treasury thinking. Tokenized deposits, with their programmable payments, 24/7 settlement capabilities, and global reach, are transitioning from concept to reality. This is particularly evident in the commercial space, where tokenized deposits could become a standard feature of cross-border finance.

匯豐銀行對Ant International的推出表明，公司財政部思想的範式轉變。令牌的存款及其可編程付款，24/7的和解能力和全球範圍正在從概念轉變為現實。這在商業空間中尤其明顯，在商業領域，令牌化沉積物可能成為跨境融資的標準特徵。

A Balanced Approach to Innovation

平衡的創新方法

While stablecoins are gaining traction, it's crucial to recognize the potential of tokenized deposits within the established banking system. Banks have a long history of facilitating payments and should be at the forefront of adopting distributed ledger technology. Regulators should encourage this adoption to prevent deposit disintermediation and ensure a balanced approach to financial innovation.

儘管Stablecoins正在獲得吸引力，但至關重要的是要認識到已建立的銀行體系中令牌礦床的潛力。銀行有悠久的促進付款歷史，應該在採用分佈式分類帳技術的最前沿。監管機構應鼓勵這種採用，以防止存款分離並確保平衡的金融創新方法。

Final Thoughts

最後的想法

The collaboration between Ant Group and HSBC on tokenized deposits is more than just a news story; it's a glimpse into the future of finance. As blockchain technology continues to mature, expect more traditional financial institutions to explore tokenization to enhance efficiency, security, and accessibility. It's like the financial world is finally catching up with the Jetsons!

Ant Group與匯豐銀行在令牌化存款方面的合作不僅僅是新聞報導。這是對金融的未來的一瞥。隨著區塊鏈技術的繼續成熟，期望更多的傳統金融機構探索令牌化，以提高效率，安全性和可及性。就像金融界終於趕上了Jetsons！