萬事達卡開創跨國代幣化資產結算共享帳本平台

萬事達卡和幾家著名的美國銀行聯手試行突破性的共享帳本系統，以快速結算代幣化資產。該措施被稱為“受監管的結算網絡”，旨在提高跨境金融交易（特別是美元結算）的效率、安全性和降低風險。它建立在先前專注於國內和國際支付的試驗的基礎上，並利用了花旗集團、摩根大通和 Visa 等行業巨頭的專業知識。

Mastercard Spearheads Shared Ledger System for Settlement of Tokenized Assets, Envisioning a Unified Platform for Cross-Border Transactions

萬事達卡率先推出用於代幣化資產結算的共享帳本系統，構思跨國交易的統一平台

New York, May 8, 2024 - Mastercard, in collaboration with prominent US banks, is pioneering the adoption of innovative financial technologies by piloting a shared ledger system designed to accelerate the settlement of tokenized assets. This groundbreaking initiative aligns with the growing demand for efficiency and enhanced security in cross-border financial transactions.

紐約，2024 年 5 月 8 日 - 萬事達卡與美國知名銀行合作，透過試點旨在加速代幣化資產結算的共享帳本系統，率先採用創新金融技術。這項突破性措施符合跨境金融交易中對效率和增強安全性日益增長的需求。

Codenamed the Regulated Settlement Network, this pioneering framework is tailored to optimize dollar transactions and aims to consolidate the settlement of commercial bank money and securities, encompassing Treasury and investment-grade securities. The initiative not only strives to expedite settlement processes but also seeks to mitigate the risks of errors and fraud, offering a more secure and reliable mechanism for cross-border transactions.

這個開創性框架代號為“受監管的結算網絡”，旨在優化美元交易，旨在整合商業銀行貨幣和證券（包括國債和投資級證券）的結算。此措施不僅致力於加快結算流程，也致力於降低錯誤和詐欺風險，為跨境交易提供更安全、更可靠的機制。

"Mastercard is joining forces with financial institutions to experiment with ledger technology that would facilitate shared settlement of tokenized assets," reported Bloomberg Crypto on May 8, 2024.

Bloomberg Crypto 於 2024 年 5 月 8 日報導：“萬事達卡正在與金融機構聯手試驗帳本技術，以促進代幣化資產的共享結算。”

Through the utilization of asset tokenization and distributed ledger technology, settlement processes are anticipated to be unified on a single, seamless platform. This development serves as an extension of a previous 12-week trial that focused on domestic and international dollar payments, commencing in late 2022.

透過利用資產代幣化和分散式帳本技術，結算流程預計將統一在一個無縫平台上。這項進展是先前為期 12 週的試驗的延伸，該試驗專注於國內和國際美元支付，將於 2022 年底開始。

The ongoing trial boasts the participation of financial heavyweights such as Citigroup Inc., JPMorgan Chase & Co., Visa Inc., and Swift, among others. The collective expertise of entities like Bank of New York Mellon Corp. and the International Swaps and Derivatives Association further contributes to the project's potential effectiveness and impact on the financial industry.

正在進行的試驗吸引了花旗集團、摩根大通、Visa Inc. 和 Swift 等金融巨頭的參與。紐約梅隆銀行和國際掉期與衍生性商品協會等實體的集體專業知識進一步促進了該計畫的潛在有效性和對金融業的影響。

The Regulated Settlement Network represents a significant stride towards the realization of a more efficient and secure global financial system. By harnessing the transformative potential of blockchain technology, Mastercard and its partners are paving the way for faster, more reliable, and less error-prone cross-border transactions.

受監管的結算網絡代表著朝著實現更有效率、更安全的全球金融體系邁出了一大步。透過利用區塊鏈技術的變革潛力，萬事達卡及其合作夥伴正在為更快、更可靠、更不易出錯的跨境交易鋪平道路。

Concomitant Developments in the Banking Sector

銀行業的同步發展

Alongside the advancements in cross-border settlement, other significant developments are shaping the landscape of the banking sector. Major American banks are actively seeking the support of the Securities and Exchange Commission (SEC) to engage in the recently approved Bitcoin ETF spot market. Industry groups such as the Bank Policy Institute and the American Bankers Association have advocated for specific regulatory changes to facilitate their participation in this emerging market segment.

除了跨國結算的進步之外，其他重大發展也在塑造銀行業的格局。美國各大銀行正積極尋求美國證券交易委員會（SEC）的支持，以參與最近批准的比特幣 ETF 現貨市場。銀行政策研究所和美國銀行家協會等行業團體主張進行具體的監管改革，以促進他們參與這一新興市場領域。

Concurrent with these initiatives, the recent failure of Republic First Bank, marking the second bank collapse since 2023, underscores the challenges confronting the banking industry. This incident highlights the urgent need for regulatory adjustments to enhance the stability and resilience of the financial system.

與此同時，共和國第一銀行 (Republic First Bank) 最近倒閉，標誌著自 2023 年以來第二家銀行倒閉，凸顯了銀行業面臨的挑戰。這事件凸顯了監管調整的迫切需要，以增強金融體系的穩定性和韌性。

As Mastercard and its partners continue to advance the frontiers of financial technology, the banking sector navigates a period of transformation and regulatory scrutiny. These concurrent developments point to a dynamic and evolving financial landscape, where innovation and regulatory oversight play pivotal roles in shaping the future of cross-border transactions and the banking industry as a whole.

隨著萬事達卡及其合作夥伴不斷推動金融科技的前沿，銀行業正經歷一個轉型和監管審查的時期。這些同時發生的發展表明金融格局充滿活力且不斷發展，其中創新和監管在塑造跨境交易和整個銀行業的未來方面發揮著關鍵作用。