JP Morgan的Kinexys數字支付（以前是JPM硬幣）用於解決交付與付款交易

今天，Ondo Finance宣布JP Morgan的Kinexys數字支付（以前是JPM硬幣）用於解決交付與付款交易

Today Ondo Finance announced that JP Morgan’s Kinexys Digital Payments (formerly JPM Coin) was used to settle a delivery versus payment transaction for its OUSG tokenized money market fund on the Ondo blockchain. Hence, a blockchain-based bank account on the permissioned Kinexys blockchain was integrated for payments on a permissionless blockchain using Chainlink’s cross chain orchestration infrastructure. This inaugural transaction took place on Ondo’s testnet.

今天，Ondo Finance宣布，JP Morgan的Kinexys數字支付（以前是JPM硬幣）被用來解決交付與OUSG代幣化的貨幣市場基金的交付交易，而Ondo區塊鏈上的付款交易。因此，使用Chainlink的跨鏈條編排基礎架構集成了基於區塊鏈的基於區塊鏈的銀行帳戶，以付款，以付款。這項首屆交易發生在Ondo的TestNet上。

On chain transactions on public blockchain are usually settled either using stablecoins or with off chain payments. While crypto native firms might prefer to keep most of their assets on chain and prefer stablecoins to bank accounts, other companies will have the majority of their cash at a bank. So transferring from a bank account to a stablecoin in order to settle a transaction adds a layer of friction.

在公共區塊鏈上的鏈條交易上通常使用Stablecoins或通過鏈條支付來解決。儘管加密貨幣公司可能更喜歡將其大部分資產保留在連鎖上，而更喜歡穩定的銀行賬戶，但其他公司將在銀行擁有大部分現金。因此，從銀行帳戶轉移到確定交易的穩定幣會增加一層摩擦。

Momentum is building for tokenized collateral to be used for margin payments in traditional finance, particularly for derivatives. While a traditional finance firm might be comfortable using something like BlackRock’s BUIDL tokenized money market fund, which is issued on permissionless blockchains, they may be less happy about holding stablecoins. One of the benefits of tokenization is to break down silos. For traditional finance firms, keeping money in both stablecoins and a bank account creates additional fragmentation.

勢頭正在建立像徵性抵押品，用於用於傳統金融的利潤支付，尤其是用於衍生品。雖然傳統的金融公司可能會使用貝萊德（BlackRock）的Buidl代幣化貨幣市場基金之類的東西感到舒適，該基金是根據無許可的區塊鏈發行的，但他們可能對持有stablecoins的樂趣不滿意。令牌化的好處之一是分解孤島。對於傳統的金融公司，保留股本和銀行帳戶的貨幣會產生額外的分裂。

Plus, JP Morgan serves thousands of institutions and does business with 90% of Fortune 500 firms, according to its annual report. If something like Kinexys Digital Payments was available for settlement on more permissionless chains, some institutions may choose to side step stablecoins.

此外，根據其年度報告，JP Morgan為成千上萬的機構提供服務，並與90％的財富500家公司開展業務。如果可以在更無許可的連鎖店上解決Kinexys數字支付之類的東西，那麼一些機構可能會選擇側面穩定。

“Kinexys Digital Payments is designed to support J.P. Morgan’s institutional clients by enhancing the current payment experience while anticipating clients’ evolving payment needs as they engage in transactions on emerging infrastructures, including public blockchain,” said Nelli Zaltsman, Head of Platform Settlement Solutions, Kinexys Digital Payments. To date transaction volumes on Kinexys have surpassed $1.5 trillion.

Nelli Zaltsman表示：“ Kinexys數字支付旨在通過增強當前的付款經驗來支持JP Morgan的機構客戶，同時預見了客戶在包括公共區塊鏈在內的新興基礎設施交易時不斷發展的付款需求。”迄今為止，Kinexys的交易量超過了1.5萬億美元。

Bank tokens on permissionless chains?

銀行代幣無權連鎖？

One way of enabling payments on permissionless chains would be to issue a deposit token directly on a permissionless blockchain. This is something JP Morgan has been discussing for years, and recently proposed a path towards standards. However, when asked by Ledger Insights a member of the Kinexys team would not be drawn on a possible timeline.

實現無許可連鎖店付款的一種方法是直接在無許可區塊鏈上發布存款令牌。這是JP Morgan多年來一直在討論的事情，最近提出了通往標準的道路。但是，當Ledger Insights詢問時，Kinexys團隊的成員不會在可能的時間表上繪製。

Turning to Ondo Finance, this is the latest collaboration with a long list of traditional financial (TradFi) institutions. Last year it announced a deal with several mainstream asset managers. OUSG is backed by other tokenized money market funds including from BlackRock, Fidelity, Franklin Templeton, Wellington and WisdomTree. Hence, if someone holds one of those tokenized funds, Ondo stands willing to buy them because it can use them as collateral, helping to create liquidity for the other funds. Ondo also inked a collaboration with Mastercard’s Multi-Token Network.

轉向Ondo Finance，這是與一長串傳統金融（Tradfi）機構的最新合作。去年，它宣布了與幾位主流資產經理達成協議。 OUSG得到了其他令牌貨幣市場基金的支持，包括來自貝萊德，富達，富蘭克林·鄧普頓，惠靈頓和韋斯特里特。因此，如果有人持有這些象徵性的資金之一，那麼Ondo Stand願意購買它們，因為它可以將其用作抵押品，從而為其他資金創造流動性。 Ondo還與MasterCard的多型網絡簽署了合作。

Chainlink’s role in the transaction was to provide interoperability. It used the Chainlink Runtime Environment (CRE) which provides a secure offchain computing environment that coordinates activities across blockchains and existing systems. It was also integrated with the Kinexys Digital Payments’ synchronized settlement workflow.

ChainLink在交易中的作用是提供互操作性。它使用了鍊鍊鏈接運行時環境（CRE），該環境提供了一個安全的離鏈計算環境，該環境可以協調跨區塊鍊和現有系統的活動。它還與Kinexys Digital Payments的同步結算工作流程集成在一起。

Ledger Insights has published a report on the bank adoption of stablecoins, tokenized deposits and DLT payments. In addition to 70 projects, it explores design features, such as how to avoid pitfalls that could limit their longer term potential.

Ledger Insights已發布了一份關於銀行採用Stablecoins，Sitkenized存款和DLT付款的報告。除70個項目外，它還探索了設計功能，例如如何避免陷入可能限制其長期潛力的陷阱。