Swift宣布將從2025年11月開始通過數字資產進行實時交易測試

銀行間網絡每年移動超過1500萬億美元，現在正在尋求使其運營與數字錢包兼容和通過令牌化帳戶兼容。

The role of the interbank messaging network SWIFT in facilitating real-time transactions with digital assets, such as stablecoins, tokenized currencies, and central bank digital currencies (CBDCs), has been brought into focus.

銀行間消息網絡SWIFT在促進數字資產的實時交易中的作用，例如StableCoins，令牌化貨幣和中央銀行數字貨幣（CBDC），已成為重點。

As reported by the Financial Times, SWIFT will commence testing real-time transactions with digital assets from November 2025.

據《金融時報》報導，Swift將從2025年11月開始通過數字資產測試實時交易。

The initiative aims to integrate features like stablecoins, tokenized currencies, and CBDCs into traditional banking systems, enabling seamless interoperability.

該倡議旨在將諸如Stablecoins，令牌化貨幣和CBDC之類的功能集成到傳統的銀行系統中，從而實現無縫的互操作性。

Annually transferring more than US$150 trillion and connecting over 11,000 financial institutions across 210 countries and territories, SWIFT is now seeking to make its operations compatible with digital wallets and settlement via tokenized accounts.

Swift每年每年轉移超過1.5億美元，並在210個國家和地區之間連接11,000多個金融機構，現在正在尋求使其運營與數字錢包兼容，並通過標記帳戶兼容。

These tests will be carried out in collaboration with financial institutions in North America, Europe, and Asia.

這些測試將與北美，歐洲和亞洲的金融機構合作進行。

The proposal includes the use of fees similar to those applied in blockchains, known as “gas fees”, to prioritize and process transactions quickly. Additionally, there will be a focus on standardizing a single and reliable source of price data for cryptocurrencies.

該提案包括使用類似於在區塊鏈（稱為“汽油費”）中使用的費用，以快速對交易進行優先級和處理交易。此外，將重點放在標準化加密貨幣的單一且可靠的價格數據來源。

Tracking transactions via tokens also promises to increase transparency by enabling anyone to view transaction paths and identify intermediate banks.

通過令牌跟踪交易也有望通過使任何人查看交易路徑並確定中間銀行來提高透明度。

Today, most digital asset platforms operate in isolation, without direct integration with the conventional banking system. SWIFT’s proposal is to create a framework that connects these “islands” to the global financial ecosystem, leveraging their existing correspondent banking infrastructure.

如今，大多數數字資產平台都隔離開展，而無需與傳統銀行系統直接集成。斯威夫特的提議是創建一個將這些“島嶼”與全球金融生態系統聯繫起來的框架，利用其現有的記者銀行基礎設施。

This move is in line with the global migration to the ISO 20022 standard, which enriches financial data with greater clarity and interoperability. This standard will be essential for digital currencies and traditional banking systems to communicate efficiently and accurately.

這一舉動符合全球遷移到ISO 20022標準，該標準以更明顯和互操作性豐富了財務數據。該標準對於數字貨幣和傳統的銀行系統至關重要，以便有效，準確地進行交流。

"We are entering the final phase of testing the use of tokenized payments within the SWIFT environment," a SWIFT spokesperson told the Financial Times.

一位迅速發言人告訴《金融時報》：“我們正在進入測試在迅速環境中使用令牌付款的最後階段。”

These tests will be pivotal in determining the seamless integration of digital assets with traditional banking systems, paving the way for a more interconnected and efficient financial ecosystem.

這些測試將在確定數字資產與傳統銀行系統的無縫集成中至關重要，這為更加相互聯繫和有效的金融生態系統鋪平了道路。