量化，標記的斯特林和英國項目：付款的新時代？

使用Quant的技術來探索英國的創新項目，用於令牌化的Sterling存款及其對付款未來的影響。

The UK is diving headfirst into the future of finance with its 'Quant, Tokenised Sterling, UK project'. It's like they're saying, 'Hold my tea, we're about to revolutionize payments!' This initiative, spearheaded by UK Finance and backed by major banks, is all about testing tokenised commercial bank deposits using Quant's groundbreaking technology. The goal? Faster settlements, less fraud, and smoother financial processes. Buckle up, because this project is slated to run through mid-2026, bringing real transactions to life.

英國以其“量子，象徵化的英國項目”的“量子”，首先深入研究金融的未來。就像他們說的是，“拿著我的茶，我們將要革新付款！”這項倡議由英國財務支撐並得到主要銀行的支持，所有這些倡議都旨在使用Quant的開創性技術測試令牌化的商業銀行存款。目標？更快的定居點，更少的欺詐行為和更平滑的財務流程。扣緊，因為該項目計劃在2026年中期運行，從而使真實的交易栩栩如生。

Tokenised Sterling: What's the Big Deal?

象徵化的斯特林：有什麼大不了的？

Tokenised sterling deposits are essentially digital versions of good ol' commercial bank money. They come with the same regulatory protections as traditional deposits but offer some seriously cool upgrades: programmability, faster transactions, and next-level fraud prevention. Think of it as your regular money getting a superhero makeover.

代幣化的英鎊礦床本質上是商業銀行貨幣的數字版本。它們具有與傳統存款相同的監管保護措施，但提供了一些認真的升級：可編程性，更快的交易和下一級欺詐。將其視為您的常規資金進行超級英雄改頭換面。

Quant's platform is the brains behind the operation, integrating seamlessly with bank ledgers, the Bank of England’s RTGS system, Faster Payments, and Open Banking APIs. It's like connecting all the dots in the financial universe, making everything work together in harmony.

Quant的平台是操作背後的大腦，與銀行分類帳，英格蘭銀行的RTGS系統，更快的付款和開放銀行API無縫集成。這就像連接金融世界中的所有點，使一切都和諧地一起工作。

Real-World Benefits: Use Cases

現實世界的好處：用例

The project isn't just about fancy tech; it's about making real improvements. Three key areas will be put to the test:

該項目不僅涉及花哨的技術。這是關於取得真正的改進。將進行三個關鍵領域：

• Online Marketplace Payments: Aiming to slash fraud and build trust between buyers and sellers.
• Remortgaging: Streamlining property transactions to reduce risks and speed things up.
• Wholesale Bond Settlement: Delivering instant delivery-versus-payment (DvP) with a shared liquidity pool, which could free up capital and cut delays.

Quant CEO Gilbert Verdian believes this project is laying the groundwork for new forms of programmable money. Jana Mackintosh from UK Finance highlights that this collaboration aims to deliver better payments for everyone while positioning the UK as a leader in tokenised money standards. Sounds like a win-win, right?

Quant CEO Gilbert Verdian認為，該項目正在為新形式的可編程資金奠定基礎。英國金融公司的Jana Mackintosh強調，這項合作旨在為所有人提供更好的付款，同時將英國定位為代幣化的貨幣標準的領導者。聽起來像是雙贏，對嗎？

The Quantum Threat: A Cloud on the Horizon?

量子威脅：地平線上的雲？

Now, before we get too carried away, there's a lurking threat we need to address: quantum computing. IBM's Michael Osborne warns that advancements in quantum computing could one day break Bitcoin's cryptography. IBM's Starling project, aiming for a fault-tolerant quantum computer by 2029, is making steady progress. If they hit their target, the crypto world might have less time than expected to upgrade to quantum-safe systems.

現在，在我們被帶走之前，我們需要解決一個潛伏的威脅：量子計算。 IBM的邁克爾·奧斯本（Michael Osborne）警告說，量子計算中的進步可能有一天會破壞比特幣的加密術。 IBM的Starling Project旨在到2029年到2029年進行耐故障量子計算機。如果他們達到目標，加密貨幣世界可能比升級到量子安全系統的期望時間少。

Osborne stresses the importance of logical qubits and the need to start planning for quantum migration now. Market movements could be the first sign of trouble if investors lose confidence in non-quantum-safe ecosystems. It’s like preparing for a digital Y2K – better safe than sorry.

奧斯本強調了邏輯Qubits的重要性以及現在開始計劃量子遷移的需求。如果投資者對非量子安全生態系統失去信心，市場變動可能是麻煩的第一個跡象。這就像準備數字Y2K一樣 - 安全而不是後悔。

My Two Cents

我的兩分錢

While the quantum threat is real, the UK's tokenised sterling project is a bold step forward. It's exciting to see traditional finance embracing new technologies to improve efficiency and security. The key will be staying ahead of the curve on the quantum front and ensuring a smooth transition to quantum-resistant systems. Think of it as upgrading your digital locks before the super-smart thieves arrive.

雖然量子威脅是真實的，但英國的代幣化項目是大膽的一步。令人興奮的是，傳統的財務擁抱新技術以提高效率和安全性。鑰匙將保持在量子前沿的曲線領先，並確保平穩過渡到量子抗性系統。可以將其視為在超級聰明的盜賊到達之前升級您的數字鎖。

Wrapping Up

總結

So, what's the takeaway? The 'Quant, Tokenised Sterling, UK project' is a game-changer. It's about modernizing payments, reducing fraud, and positioning the UK as a leader in the digital finance revolution. Sure, there are challenges ahead, but with the right planning and a bit of foresight, the future of payments looks brighter than ever. And who knows, maybe one day we'll all be paying for our coffee with tokenised sterling. How very British and futuristic!

那麼，收穫是什麼？ “量化，象徵化的英國項目”是一個改變遊戲規則的人。這是關於現代化的付款，減少欺詐並將英國定位為數字金融革命的領導者。當然，面臨挑戰，但是隨著正確的計劃和一些遠見，付款的未來看起來比以往任何時候都更加光明。誰知道，也許有一天我們都會用象徵化的斯特林為咖啡付費。多麼英國和未來派！