Swift，Blockchain和Stablecoins：財務互操作性的新時代？

斯威夫特（Swift）涵蓋了穩定交易的區塊鏈，挑戰了傳統的財務，並引發了有關全球付款未來的辯論。

SWIFT, Blockchain, and Stablecoins: A New Era of Financial Interoperability?

Swift，Blockchain和Stablecoins：財務互操作性的新時代？

The financial landscape is shifting. SWIFT, the messaging backbone of global finance, is diving into blockchain to facilitate stablecoin and tokenized asset transactions. Buckle up, because things are about to get interesting.

金融格局正在轉移。斯威夫特（Swift）是全球金融的消息傳遞骨幹，正在潛入區塊鏈，以促進Stablecoin和標記資產交易。係好，因為事情將變得有趣。

SWIFT's Blockchain Leap: A Game Changer?

斯威夫特的區塊鏈飛躍：改變遊戲規則的人？

SWIFT's move signals a major evolution. Instead of just sending messages, it's aiming to be a key player in value transfer across different blockchains. This is a big deal for an organization that has been connecting over 11,500 banks for more than half a century.

Swift的舉動標誌著主要​​的演變。它不僅僅是發送消息，而是要成為跨不同區塊鏈的價值傳輸的關鍵參與者。對於一個已經連接11,500多家銀行超過半個世紀的組織來說，這是一件大事。

Noelle Acheson from Crypto Is Macro Now newsletter puts it well: SWIFT is adapting its business model to tackle blockchain disintermediation. In the blockchain world, the message and the transfer are one. SWIFT wants to be the "switching" layer, connecting previously isolated systems.

來自Crypto的Noelle Acheson現在是宏觀的，現在是通訊：Swift正在調整其業務模型來解決區塊鏈分離中介。在區塊鏈世界中，信息和傳輸是一個。 Swift希望成為“切換”層，連接先前隔離的系統。

Why This Matters

為什麼這很重要

SWIFT's existing connections could give it a significant advantage. As banks explore blockchain, SWIFT can ease their entry. David Duong from Coinbase sees this platform as lowering the technical hurdles and integration costs for banks wanting to use stablecoins.

斯威夫特的現有連接可能帶來重要的優勢。當銀行探索區塊鏈時，Swift可以減輕他們的進入。 Coinbase的David Duong認為該平台降低了想要使用StableCoins的銀行的技術障礙和整合成本。

Barry O’Sullivan at OpenPayd notes that SWIFT is positioning itself to shape the evolving stablecoin and tokenized asset ecosystem. While fragmentation might persist, SWIFT could bring much-needed standardization.

OpenPayd的Barry O'Sullivan指出，Swift正在定位自己，以塑造不斷發展的Stablecoin和Sidkenization Asset Incosystem。儘管分裂可能會持續存在，但Swift可能會帶來急需的標準化。

Is SWIFT Still Necessary?

Swift仍然需要嗎？

That's the million-dollar question. Acheson asks if SWIFT is even needed in a tokenized financial system. While it's not essential, its vast network of global banks gives it a unique edge. However, its history of enforcing sanctions raises concerns about neutrality and could hinder widespread adoption in some regions.

那是百萬美元的問題。阿奇森（Acheson）詢問在令牌化的金融體系中是否需要Swift。儘管它不是必不可少的，但它龐大的全球銀行網絡使其具有獨特的優勢。但是，其實施制裁的歷史引起了人們對中立的擔憂，並可能阻礙某些地區廣泛採用。

The Stablecoin Surge and Banking Pressure

穩定的激增和銀行壓力

The rise of stablecoins is also putting pressure on traditional banks. Stripe CEO Patrick Collison believes banks will have to offer more competitive deposit yields to avoid losing customers to stablecoins. With savings account yields lagging, stablecoins offer an attractive alternative.

穩定幣的興起也對傳統銀行施加壓力。 Stripe首席執行官Patrick Collison認為，銀行將不得不提供更具競爭力的存款收益率，以避免讓客戶失去穩定的股份。儲蓄帳戶產生滯後，Stablecoins提供了一種有吸引力的替代方案。

Collison argues that depositors deserve a market return on their capital, and banks can no longer rely on cheap deposits. This shift could reshape the banking sector as it competes with the innovative offerings of the crypto world.

科利森認為，存款人應該獲得其首都的市場回報，而銀行不再依靠廉價存款。這種轉變可以重塑銀行業，因為它與加密貨幣世界的創新產品競爭。

Other Players Emerge

其他玩家出現

While SWIFT is making waves, other platforms are also innovating. Crypto.com is integrating Morpho for stablecoin lending on Cronos, enhancing user experience and offering new lending opportunities. Sygnum is even offering a Bitcoin yield fund, allowing investors to earn returns while maintaining full price exposure.

當Swift引起海浪時，其他平台也在創新。 Crypto.com正在將Morpho整合在Cronos上，增強用戶體驗並提供新的貸款機會。 Sygnum甚至還提供比特幣收益基金，使投資者可以在維持全市敞口的同時賺取回報。

My Take: A Gradual, Then Sudden Revolution

我的看法：漸進的，然後是突然的革命

SWIFT's move isn't just a minor tweak; it’s a sign of a fundamental shift. The lines between traditional and blockchain finance are blurring, and financial institutions are finally taking notice. While there may be challenges ahead, SWIFT's entry into the blockchain space underscores the growing importance of digital assets and the need for interoperability. As Duong notes, this has been years in the making. SWIFT has been experimenting with DLT since 2017.

斯威夫特的舉動不僅僅是一個小調整。這是基本轉變的標誌。傳統和區塊鏈金融之間的界限是模糊的，金融機構終於注意到了。儘管可能面臨挑戰，但Swift進入區塊鏈領域的進入強調了數字資產的重要性以及對互操作性的需求。正如Duong所指出的那樣，這已經是數年了。自2017年以來，Swift一直在嘗試DLT。

The old financial guard is finally dancing with the new kids on the blockchain. It's a slow dance, but the music is getting louder.

這位老金融警察終於與區塊鏈上的新孩子一起跳舞。這是一個緩慢的舞蹈，但是音樂越來越大。

The Bottom Line

底線

SWIFT's blockchain ambitions, the stablecoin surge, and the pressure on banks to offer competitive yields all point to a significant transformation in the financial world. This isn't just about technology; it's about power, control, and the future of money.

Swift的區塊鏈野心，Stablecoin激增以及銀行提供競爭力收益率的壓力都指向金融界的重大轉變。這不僅僅是技術；這是關於權力，控制和金錢的未來。

So, grab your popcorn and get ready for the show. It's gonna be a wild ride, but hey, at least your money might finally start earning you something!

因此，抓住您的爆米花並為演出做準備。這將是一個瘋狂的旅程，但是，嘿，至少您的錢可能最終開始賺錢！