高層表示，透過區塊鏈進行傳統資產代幣化交易的時間比預期要長

透過創建代幣化資產（通常是基於區塊鏈的代幣來代表貨幣或債券等主流資產的持有），銀行希望使其交易更有效率、更快、更便宜，並且更容易記錄誰擁有想要的資產。

Banks that have long discussed creating "tokenised" versions of assets such as bonds and currencies say a shift to blockchain-based trading is taking longer than expected, with some investors wary of the concept.

長期以來一直在討論創建債券和貨幣等資產「代幣化」版本的銀行表示，向基於區塊鏈的交易的轉變需要比預期更長的時間，一些投資者對這一概念持謹慎態度。

By tokenising assets - typically creating blockchain-based tokens to denote holdings of mainstream assets like currencies or bonds - banks aim to make them faster, cheaper and easier to trade, and to record ownership.

透過資產代幣化（通常創建基於區塊鏈的代幣來表示貨幣或債券等主流資產的持有），銀行的目標是讓資產更快、更便宜、更容易交易，並記錄所有權。

Consultants and digital asset executives predict a large proportion of the world's assets will be tokenised via blockchain - HSBC and Northern Trust said in a note last year they expected 5% to 10% of all assets by 2030.

顧問和數位資產高層預測，全球很大一部分資產將透過區塊鏈進行代幣化——匯豐銀行和北方信託公司在去年的報告中表示，他們預計到2030 年，這一數字將佔所有資產的5% 至10%。

But executives speaking at the Money20/20 fintech conference this week said the shift to digital versions of assets was happening slowly.

但高層在本週舉行的 Money20/20 金融科技會議上表示，數位化資產的轉變正在緩慢進行。

"It's taken longer than I expected, to be honest, to get to the point where we are in this space," said Ryan Rugg, Head of Digital Assets for Citibank's trade and treasury solutions business at the Amsterdam event.

花旗銀行貿易和資金解決方案業務數位資產主管 Ryan Rugg 在阿姆斯特丹活動中表示：“老實說，我們花了比我預期更長的時間才達到這個領域的水平。”

"We've done some experimentation in money markets and bonds but nothing that's live and scaling at the moment, the only application that we have live is a tokenised deposit."

“我們已經在貨幣市場和債券方面進行了一些實驗，但目前還沒有任何可用的和可擴展的應用程序，我們唯一可用的應用程序是代幣化存款。”

Despite this, Rugg said she was still excited by tokenisation, with the aim to have a tokenised deposit that can be sent 24/7, 365 days a year, avoiding cut-offs in different timezones or for banking holidays.

儘管如此，Rugg 表示她仍然對代幣化感到興奮，目標是擁有可以一年 365 天、每天 24/7 發送的代幣化存款，避免不同時區或銀行假期的中斷。

Clients are asking for it and the token has been live since last year, she added.

她補充說，客戶正在要求它，並且該代幣自去年以來就已上線。

While there have been several experimental projects - for instance, to create blockchain-based bonds - tokenised trading lacks a liquid secondary market.

雖然已經有幾個實驗項目——例如創建基於區塊鏈的債券——但代幣化交易缺乏流動性的二級市場。

Having spent seven years trying to re-build its software platform around blockchain, Australia's stock exchange eventually "paused" the project and said last year the upgrade would no longer involve the technology.

澳洲證券交易所花了七年時間試圖圍繞區塊鏈重建其軟體平台，最終「暫停」了該項目，並在去年表示升級將不再涉及該技術。

Monica Long, president of U.S. crypto firm Ripple, told Reuters that many U.S. banks have "put digital asset services a bit on hold".

美國加密貨幣公司 Ripple 總裁 Monica Long 告訴路透社，許多美國銀行已經「暫時擱置了數位資產服務」。

Ripple last year acquired crypto custody firm Metaco and Long said it was going well - highlighting a recent partnership with HSBC.

Ripple 去年收購了加密貨幣託管公司 Metaco，Long 表示進展順利 - 強調了最近與匯豐銀行的合作關係。

One of the main hurdles to trading traditional assets via blockchain is that banks are each developing their own networks, executives said, making it hard to trade across platforms.

高層表示，透過區塊鏈交易傳統資產的主要障礙之一是銀行正在開發自己的網絡，這使得跨平台交易變得困難。

"This fragmentation slows down adoption, as investors don't want to connect to dozens of different networks," said Julien Clausse, head of BNP Paribas' digital asset platform AssetFoundry ahead of the event.

法國巴黎銀行數位資產平台 AssetFoundry 負責人朱利安·克勞斯 (Julien Clausse) 在活動前表示：“這種分散性減緩了採用速度，因為投資者不想連接到數十個不同的網路。”

"Most likely, we will continue to operate in a hybrid world for years to come, with some domains being more actively tokenised because of the perceived benefits, and some others remaining in a the traditional world," Clausse said.

克勞斯說：「最有可能的是，我們將在未來幾年繼續在混合世界中運營，一些領域由於感知到的好處而被更積極地標記化，而另一些領域則留在傳統世界中。