Swift，以太坊和Stablecoins：全球金融的新時代？

斯威夫特（Swift）擁抱以太坊和穩定菌，標誌著全球金融的範式轉變。發現對跨境支付和數字資產的未來的影響。

Hold on to your hats, folks! The financial world is experiencing a major shake-up as SWIFT dives headfirst into the world of Ethereum and stablecoins. It's like your grandpa suddenly learning to stream on Twitch – unexpected, but potentially game-changing.

抓住你的帽子，伙計們！隨著Swift首先進入以太坊和穩定的世界，金融界正在經歷重大的改動。就像您的爺爺突然學習在Twitch上流媒體 - 意外但有可能改變遊戲規則。

SWIFT's Blockchain Gambit: A Deep Dive

Swift的區塊鏈Gambit：深入潛水

SWIFT, the Society for Worldwide Interbank Financial Telecommunication, has been the backbone of international money transfers for decades. But now, they're not just sending messages; they're exploring actual on-chain settlement. The date of unveiling was on September 26, 2025. This initiative involves testing blockchain-based transactions, including the use of stablecoins, on Consensys' Linea, an Ethereum Layer 2 platform. It's a huge deal because it suggests traditional finance is finally taking digital assets seriously, potentially speeding up adoption and making cross-border payments way more efficient.

斯威夫特（Swift）是全球銀行間財務電信協會，數十年來一直是國際貨幣轉移的骨幹。但是現在，他們不只是發送消息。他們正在探索實際的鍊鍊解決方案。揭幕日期為2025年9月26日。該計劃涉及測試基於區塊鏈的交易，包括使用Stablecoins，在Consensys的Linea（以太坊2層平台）上。這是一件大事，因為它表明傳統財務終於認真對待數字資產，有可能加快採用率並提高跨境支付的效率。

The Linea Advantage: Speed, Security, and Privacy

血統優勢：速度，安全和隱私

SWIFT's choice of Linea is strategic. This Ethereum Layer 2 solution offers low-cost, high-speed transactions while maintaining the security of the Ethereum network. Linea's zk-rollup technology also emphasizes data privacy, addressing a crucial concern for financial institutions dealing with sensitive regulatory requirements.

Swift選擇Linea是戰略性的。該以太坊2層解決方案提供了低成本的高速交易，同時保持以太坊網絡的安全性。 Linea的ZK滾動技術還強調了數據隱私，解決了處理敏感監管要求的金融機構的關鍵問題。

Who's Playing Ball? Major Banks Join the Fray

誰在打球？主要銀行加入競爭

Over a dozen major global banks, including BNP Paribas and BNY Mellon, are participating in this pilot program. The goal is to show how these institutions can settle transactions directly on the blockchain, cutting down on those multi-day settlement times and hefty costs associated with traditional correspondent banking. Think real-time monitoring and boosted efficiency!

包括法國巴黎銀行（BNP Paribas）和BNY Mellon在內的十幾個主要全球銀行正在參加該試點計劃。目的是展示這些機構如何直接在區塊鏈上解決交易，從而減少與傳統通訊銀行相關的多日定居時間和高昂的成本。考慮實時監控並提高效率！

Winners and Losers: The Digital Shift

獲勝者和輸家：數字班次

This move by SWIFT creates a clear divide: those who adapt and those who risk being left behind.

Swift的這一舉動造成了明顯的鴻溝：適應的人和冒險被留在後面的人。

• Potential Winners: Tech-savvy banks, blockchain developers, and customers who will enjoy faster, cheaper transactions.
• Potential Losers: Banks that drag their feet, traditional payment processors, and anyone clinging to outdated systems.

A Paradigm Shift in Global Finance

全球金融的範式轉變

SWIFT's foray into Ethereum stablecoin payments is more than just a test; it's a sign of the times. The financial industry is moving towards digitalization, efficiency, and real-time settlement. This initiative directly addresses the need for instant payments and reduced friction in cross-border transactions.

斯威夫特（Swift）涉足以太坊穩定付款不僅僅是考驗。這是時代的標誌。金融業正朝著數字化，效率和實時和解方向發展。該計劃直接解決了對即時付款的需求，並減少了跨境交易的摩擦。

Ripple vs. SWIFT: A New Rivalry?

Ripple與Swift：新的競爭？

Ripple, a long-time advocate for blockchain-based cross-border payments, now faces direct competition from SWIFT. This could spur innovation or force Ripple to rethink its strategy. Either way, it's going to be an interesting showdown.

Ripple是基於區塊鏈的跨境支付的長期倡導者，現在面臨Swift的直接競爭。這可能刺激創新或迫使波紋重新考慮其戰略。無論哪種方式，這都是一個有趣的攤牌。

The Future is Now: What's Next?

現在的未來是：下一步是什麼？

In the short term, the focus will be on the pilot program's execution. Participating banks and Consensys will be testing the tech, scalability, and security of stablecoin payments on Linea. Expect updates from SWIFT in the coming months.

在短期內，重點將放在試點計劃的執行上。參與的銀行和共識將測試LILEA上的Stablecoin付款的技術，可擴展性和安全性。預計未來幾個月Swift會有所更新。

Long-term, a successful pilot could lead to a global network for instant, low-cost cross-border settlements using regulated digital assets. This could change how international trade and remittances are handled, promoting financial inclusion and economic efficiency.

長期，成功的飛行員可能會使用規範的數字資產導致全球網絡，以實現即時，低成本的跨境解決方案。這可能會改變國際貿易和匯款的處理方式，從而促進金融包容性和經濟效率。

Stablecoins Take Center Stage

穩定幣是中心舞台

Citi projects stablecoins to process a staggering $100 trillion in annual payments by 2030, a significant jump from previous estimates. This highlights the growing confidence in stablecoins as a reliable medium for transactions.

花旗項目預計，到2030年，穩定的年度付款超出了100萬億美元的付款，這比以前的估計值顯著增長。這凸顯了對穩定蛋白作為交易的可靠媒介的日益增長的信心。

Wrap-up: Buckle Up, Buttercup!

總結：扣緊，毛cup！

SWIFT's pilot program marks a turning point. The global interbank messaging network is not just watching; it's actively building the future of cross-border payments on blockchain tech. This promises speed, cost savings, and transparency, tackling inefficiencies that have plagued international transactions for too long.

斯威夫特的試點計劃標誌著一個轉折點。全球銀行間消息網絡不僅在觀看。它正在積極建立區塊鏈技術上跨境支付的未來。這有望速度，成本節省和透明度，解決困擾國際交易太長時間的效率低下。

So, keep an eye on SWIFT and the participating banks. The next few months will be crucial in shaping the future of finance. Get ready for a wild ride!

因此，請密切關注Swift和參與的銀行。接下來的幾個月對於塑造金融的未來至關重要。準備狂野！