JP Morgan與NACHA合作的Kinexys，以預測銀行帳戶

Kinexys Liink將成為NACHA提供的Phixius提供的驗證解決方案之一。國家自動化清算室協會

JP Morgan's blockchain division, Kinexys, has partnered with Phixius by Nacha to help pre-validate bank accounts before making US payments using the Automated Clearing House (ACH) network.

JP Morgan的區塊鏈分部Kinexys已與NACHA與Phixius合作，以幫助使用自動化清算公司（ACH）網絡進行付款，以幫助估算前的銀行帳戶。

As part of the partnership, Kinexys Liink will become one of the validation solutions offered by Phixius by Nacha. The National Automated Clearing House Association (Nacha) manages the ACH payment network, one of the primary payment rails in the United States. Phixius is an API that enables banks to access validation information from ten different solutions.

作為合作夥伴關係的一部分，Kinexys Liink將成為Nacha Phixius提供的驗證解決方案之一。全國自動化清算室協會（NACHA）管理ACH支付網絡，ACH支付網絡是美國的主要支付軌道之一。 Phixius是一種API，使銀行能夠從十個不同的解決方案訪問驗證信息。

Many people make errors when they send a payment. As payments get faster, the need to ensure the payment recipient is the correct one has become a global requirement. It’s expensive for banks if they route the payment inaccurately because of incorrect details.

許多人發送付款時會犯錯誤。隨著付款的速度更快，確保付款收件人是正確的付款已成為全球要求的需求。如果銀行由於不正確的細節而不准確地將付款路由不准確，這對他們來說是昂貴的。

One of the features of Kinexys Liink is Confirm, an account validation service that allows for the validation of billions of bank accounts around the world.

Kinexys Liink的功能之一是確認，這是一種帳戶驗證服務，允許驗證全球數十億個銀行帳戶。

It’s been almost eight years since JP Morgan launched Liink, which was originally called the Interbank Information Network. The original aim of the permissioned blockchain data sharing network was to address compliance queries, especially across borders.

自JP Morgan推出Liink已經將近八年了，該公司最初被稱為銀行間信息網絡。許可區塊鏈數據共享網絡的最初目的是解決合規性查詢，尤其是在邊界之間。

The Kinexys – Nacha collaboration is a two way relationship. Kinexys Liink will use Phixiius for its US account validation. And Phixius users can use Liink to validate global bank accounts.

Kinexys - NACHA合作是一種雙向關係。 Kinexys Liink將使用Phixiius進行美國帳戶驗證。 Phixius用戶可以使用Liink驗證全球銀行帳戶。

"Kinexys Liink and Phixius customers can benefit by validation services using data provided by either network, helping to mitigate payment fraud and reduce potential ACH returns," said Rob Unger, Managing Director of ACH Network Development at Nacha.

NACHA ACH網絡開發總監Rob Unger說：“ Kinexys Liink和Phixius客戶可以使用任何網絡提供的數據通過驗證服務受益，從而幫助減輕付款欺詐並降低潛在的ACH回報。”

"We are pleased to welcome Kinexys Liink as a validation solution within Phixius," added April Harris, Vice President, Product Management at Nacha. "This partnership provides additional value to both Phixius and Liink customers as they navigate the evolving payments landscape."

NACHA產品管理副總裁April Harris補充說：“我們很高興歡迎Kinexys Liink作為Phixius中的驗證解決方案。” “這種合作夥伴關係為Phixius和Liink客戶提供了額外的價值，他們在不斷發展的付款環境中瀏覽。”

"We are excited to partner with Nacha to integrate Kinexys Liink's Confirm service into Phixius," said Paul Haslag, Head of Kinexys. "This collaboration will streamline the account validation process for US-based banks and financial institutions using Phixius, and it underscores our commitment to fostering a seamless and efficient cross-border payments ecosystem."

Kinexys負責人Paul Haslag說：“我們很高興與NACHA合作，將Kinexys Liink的確認服務整合到Phixius中。” “這項合作將使用Phixius簡化為美國銀行和金融機構的帳戶驗證流程，並強調我們致力於促進無縫且高效的跨境支付生態系統的承諾。”

Kinexys is the blockchain division of JP Morgan, operating in parallel to its consumer and investment banking units. It's focused on blockchain use cases in payments, trade finance and capital markets.

Kinexys是JP Morgan的區塊鏈部門，與其消費者和投資銀行單位並行運營。它專注於付款，貿易融資和資本市場中的區塊鏈用例。

Meanwhile, the highest profile Kinexys offering is Digital Payments (formerly JPM Coin), a blockchain-based token that can be used to make instant and low-cost payments in multiple currencies. Kinexys also supports intraday repurchase agreements (repo), tokenized collateral and bond issuance.

同時，最高知名度的Kinexys產品是數字付款（以前是JPM Coin），這是一個基於區塊鏈的令牌，可用於以多種貨幣進行即時和低成本的付款。 Kinexys還支持日內回購協議（Repo），令牌的抵押品和債券發行。