SWIFT 的 CBDC 加速器：彌合數位貨幣鴻溝的挑戰和回報

SWIFT 的 CBDC 實驗已結束第二階段，推出了名為 SWIFT 連接器的可互通解決方案。這項創新利用 DLT 和智慧合約連接現有的 CBDC，從而實現數位貿易、證券和外匯領域的一系列應用。測試階段涉及38家機構和超過125個沙箱用戶，產生了750筆交易，證明了該平台的穩健性。

SWIFT's Accelerator Program: Roadblocks and Potential Payoffs

SWIFT 加速器計畫：障礙與潛在回報

Is the SWIFT Connector the Missing Link for CBDCs?

SWIFT 連接器是 CBDC 缺少的一環嗎？

SWIFT's latest foray into central bank digital currencies (CBDCs) has yielded promising results. Their six-month trial of a proprietary connector platform unveils a myriad of potential use cases, but questions linger about its feasibility and adoption prospects.

SWIFT 最新進軍央行數位貨幣 (CBDC) 的措施已取得可喜成果。他們對專有連接器平台進行了為期六個月的試驗，揭示了無數潛在的用例，但對其可行性和採用前景的疑問仍然存在。

Not Reinventing the Wheel: The SWIFT Connector Approach

不要重新發明輪子：SWIFT 連接器方法

Instead of going down the path of creating a standalone CBDC, SWIFT has taken a unique approach with its "SWIFT connector." Its interoperability lies at the heart of this solution, designed to bridge different existing CBDCs.

SWIFT 沒有走創建獨立 CBDC 的道路，而是透過其「SWIFT 連接器」採取了獨特的方法。其互通性是此解決方案的核心，旨在橋接不同的現有 CBDC。

DLT and Smart Contracts: The Foundation of Interoperability

DLT 與智慧合約：互通性的基礎

Underpinning the SWIFT connector solution is a robust layer of distributed ledger technology (DLT) and smart contracts. This framework ensures transparency and consistency in transaction records, essential for building trust in a decentralized environment.

SWIFT 連接器解決方案的基礎是強大的分散式帳本技術 (DLT) 和智慧合約層。此框架確保交易記錄的透明度和一致性，這對於在去中心化環境中建立信任至關重要。

Applications Galore: From Digital Trade to Tokenized Deposits

應用豐富：從數位貿易到代幣化存款

The envisioned use cases for the platform span traditional financial activities such as digital trade, securities, and foreign exchange. It even holds promise for extending tokenized deposit networks led by banks. Smart contracts play a central role in automating various processes, from trade payments to liquidity-saving mechanisms.

該平台的預期用例涵蓋數位貿易、證券和外匯等傳統金融活動。它甚至有望擴展由銀行主導的代幣化存款網路。智能合約在從貿易支付到流動性節省機制等各種流程自動化方面發揮核心作用。

Cross-Network Collaboration: Putting Theory into Practice

跨網路協作：將理論付諸實踐

During the testing phase, SWIFT seamlessly integrated multiple DLT networks. Tokenization was handled by Hyperledger Besu, while R3 Corda and Hyperledger Fabric orchestrated buyer and seller networks and settlement instructions. The platform demonstrated its ability to enable atomic settlements and swaps, mirroring traditional methods of delivery versus payment (DVP).

在測試階段，SWIFT 無縫整合了多個 DLT 網路。代幣化由 Hyperledger Besu 處理，而 R3 Corda 和 Hyperledger Fabric 則協調買家和賣家網路以及結算指示。該平台展示了其實現原子結算和交換的能力，反映了傳統的付款交割方式（DVP）。

A Global Test Drive: Validators Give Their Verdict

全球試駕：驗證者給結論

The testing phase involved 38 participating institutions, making it one of the most comprehensive CBDC experiments to date. Over 125 sandbox users conducted a staggering 750 transactions, providing valuable feedback on the platform's robustness and scalability. SWIFT's collaborative approach involved ongoing discussions with financial institutions, further refining use cases through 20 working group meetings.

測試階段涉及 38 個參與機構，使其成為迄今為止最全面的 CBDC 實驗之一。超過 125 個沙箱用戶進行了驚人的 750 筆交易，為平台的穩健性和可擴展性提供了寶貴的反饋。 SWIFT 的協作方法涉及與金融機構的持續討論，透過 20 次工作小組會議進一步完善用例。

The Road Ahead: A Journey of Evolution and Adoption

未來之路：進化與採用之旅

SWIFT plans to outline a production roadmap for the SWIFT connector, but its progress depends on market dynamics and the readiness of financial institutions. This initiative aligns with the growing global interest in CBDCs, with countries like China and the Bahamas leading the charge. Over 130 other countries are exploring CBDCs, with notable developments in Europe, the Philippines, and Spain.

SWIFT 計畫概述 SWIFT 連接器的生產路線圖，但其進展取決於市場動態和金融機構的準備。這項舉措符合全球對 CBDC 日益增長的興趣，其中中國和巴哈馬等國家帶頭。其他 130 多個國家正在探索 CBDC，其中歐洲、菲律賓和西班牙的進展顯著。

SWIFT's Position: Navigator or Pawn in the Global CBDC Landscape?

SWIFT 的定位：全球 CBDC 格局中的領航者還是棋子？

SWIFT's CBDC journey serves as a testament to the evolving financial landscape. Whether the SWIFT connector will become the cornerstone of interoperability or remain a niche solution remains to be seen. One thing is certain: the race to embrace CBDCs is accelerating, and SWIFT's involvement signals its intention to play a pivotal role in shaping the future of digital money.

SWIFT 的 CBDC 之旅證明了不斷變化的金融格局。 SWIFT 連接器是否會成為互通性的基石，或者仍然是一個利基解決方案，還有待觀察。有一點是肯定的：擁抱 CBDC 的競賽正在加速，而 SWIFT 的參與表明其有意在塑造數位貨幣的未來方面發揮關鍵作用。