金融資產的代幣化：投資世界演進的下一步

雖然大多數人都會熟悉比特幣，一種透過比特幣區塊鏈創建的加密資產或代幣，但很少有人意識到使用區塊鏈將主流金融資產代幣化的能力。萊德執行長拉里·芬克(Larry Fink) 表示表示，「下一步將是金融資產的代幣化，這意味著每隻股票、每隻債券…都將記錄在一個總帳上。

Most people are familiar with bitcoin, a crypto asset or token that is created through the bitcoin blockchain. However, fewer people are aware of the ability to use blockchain to tokenise mainstream financial assets.

大多數人都熟悉比特幣，這是一種透過比特幣區塊鏈創建的加密資產或代幣。然而，很少人意識到使用區塊鏈將主流金融資產代幣化的能力。

According to global consulting firm McKinsey, tokenisation is the process of issuing a digital, unique and anonymous representation of a real thing.

根據全球顧問公司麥肯錫的說法，代幣化是發行真實事物的數位、獨特和匿名表示的過程。

A digital token can only be created and changed through a blockchain – a network of computers that independently verify all transactions through what is known as a digital decentralised ledger. This code can never be deleted.

數位代幣只能透過區塊鏈創建和更改，區塊鏈是一個電腦網絡，透過所謂的數位去中心化帳本獨立驗證所有交易。此程式碼永遠無法刪除。

This could bring great efficiency and cost savings to the investment world.

這可以為投資界帶來巨大的效率和成本節約。

While tokenisation of financial assets is still in its early stages, several fund managers, such as BlackRock and Franklin Templeton, are already using tokenised money market funds.

雖然金融資產的代幣化仍處於早期階段，但貝萊德和富蘭克林鄧普頓等幾家基金管理公司已經在使用代幣化貨幣市場基金。

According to projections, tokenised market capitalisation could reach around $2 trillion by 2030.

據預測，到 2030 年，代幣化市值可能達到 2 兆美元左右。

Bloem highlights the need for the South African economy to expand its entrepreneurial base, as it serves as the foundation for job creation and economic empowerment.

布洛姆強調南非經濟需要擴大創業基礎，因為它是創造就業和經濟賦權的基礎。

Despite this, traditional networks fail to cater to this segment.

儘管如此，傳統網路仍無法滿足這一細分市場的需求。

In most developed markets, reverse mortgages or equity release are substantial businesses. However, in South Africa, they remain largely untapped.

在大多數已開發市場，反向抵押貸款或股權發行都是重要業務。然而，在南非，它們基本上尚未開發。

This financial instrument allows homeowners to access a portion of the equity in their homes, which can be used for various purposes, such as covering medical expenses or supplementing retirement income.

這種金融工具允許房主獲得其房屋的一部分淨值，可用於各種目的，例如支付醫療費用或補充退休收入。