CRDB 代币化服务：彻底改变坦桑尼亚及其他地区的金融业

探索 CRDB 的代币化服务如何改变坦桑尼亚的银行业，以及印度储备银行的数字货币创新和对加密市场动态的洞察。

The financial landscape is rapidly evolving, with innovations like tokenisation reshaping how we access and manage money. Let's dive into how CRDB Bank's new tokenisation service is impacting Tanzania, and also take a peek at broader trends in digital finance.

金融格局正在迅速发展，代币化等创新重塑了我们获取和管理资金的方式。让我们深入了解 CRDB 银行的新代币化服务如何影响坦桑尼亚，并了解数字金融的更广泛趋势。

CRDB Bank's Tokenisation Service: Banking for Everyone

CRDB 银行的代币化服务：为每个人提供银行服务

CRDB Bank in Tanzania has introduced a game-changing token service. This service lets customers send money to anyone, even if they don't have a CRDB account. Recipients get a secure "token" that allows them to withdraw funds from any CRDB agent nationwide. It's all about making banking more accessible and convenient.

坦桑尼亚 CRDB 银行推出了一项改变游戏规则的代币服务。这项服务允许客户向任何人汇款，即使他们没有 CRDB 帐户。接收者获得一个安全的“令牌”，允许他们从全国范围内的任何 CRDB 代理处提取资金。这一切都是为了让银行业务更加便捷。

Muhumuliza Buberwa, CRDB Bank’s Dar es Salaam Regional Manager, highlighted that this service is a direct result of successful system upgrades. With over 45,000 agents across the country facilitating millions of transactions, CRDB is expanding its reach beyond traditional banking.

CRDB 银行达累斯萨拉姆区域经理 Muhumuliza Buberwa 强调，这项服务是系统成功升级的直接结果。 CRDB 在全国拥有超过 45,000 名代理商，促进了数百万笔交易，其业务范围正在扩展到传统银行业务之外。

Why This Matters

为什么这很重要

This tokenisation service addresses a common issue: accessibility. Many people have mobile phones but aren't formally banked. Now, anyone can receive money via a CRDB customer and withdraw it, even without an account. It’s a significant step towards financial inclusion.

此标记化服务解决了一个常见问题：可访问性。许多人拥有手机，但没有正式银行账户。现在，任何人都可以通过 CRDB 客户接收资金并提取资金，即使没有账户。这是迈向金融包容性的重要一步。

Catherine Rutenge, Head of Agency and Payment Services at CRDB Bank, also pointed out a practical benefit: avoiding debt-related issues. Recipients can withdraw the full amount sent without worrying about pre-existing debts linked to their mobile numbers.

CRDB银行代理和支付服务主管Catherine Rutenge也指出了一个实际好处：避免债务相关问题。收件人可以提取发送的全部金额，而不必担心与其手机号码相关的预先存在的债务。

RBI's Unified Markets Interface: A Glimpse into the Future of Finance

印度储备银行的统一市场界面：金融未来一瞥

Meanwhile, the Reserve Bank of India (RBI) is also making strides in tokenisation. Their Unified Markets Interface (UMI) aims to create a next-generation financial market infrastructure. This system will tokenise financial assets and settlements using wholesale Central Bank Digital Currency (CBDC).

与此同时，印度储备银行（RBI）也在代币化方面取得了长足进步。他们的统一市场接口（UMI）旨在创建下一代金融市场基础设施。该系统将使用批发中央银行数字货币（CBDC）对金融资产和结算进行代币化。

In essence, the UMI will make financial trading between banks faster, more secure, and fully digital. RBI Governor Sanjay Malhotra emphasized that a pilot program showed encouraging signs of improved market efficiency.

从本质上讲，UMI 将使银行之间的金融交易更快、更安全且完全数字化。印度储备银行行长桑杰·马尔霍特拉强调，试点计划显示出市场效率改善的令人鼓舞的迹象。

Understanding Asset Tokenisation and CBDC

了解资产代币化和 CBDC

Asset tokenisation involves converting real-world assets (like gold) into digital tokens on a blockchain. This opens up global trading opportunities with better transparency and efficient settlements. The RBI's pilot focused on deposit tokenisation, where bank deposits are represented as tokens that can be transferred across systems.

资产代币化涉及将现实世界的资产（如黄金）转换为区块链上的数字代币。这以更好的透明度和高效的结算开辟了全球贸易机会。印度储备银行的试点重点是存款代币化，其中银行存款被表示为可以跨系统转移的代币。

A Central Bank Digital Currency (CBDC) is a digital form of a country's fiat currency. India's Digital Rupee (e₹) acts as a legal tender and a safe, digital representation of cash. The RBI has been piloting both retail (CBDC-R) and wholesale (CBDC-W) versions, with the latter being used as the base for the tokenisation pilot.

中央银行数字货币（CBDC）是一个国家法定货币的数字形式。印度的数字卢比 (eR) 是一种法定货币，也是一种安全的数字现金代表。印度储备银行一直在试点零售（CBDC-R）和批发（CBDC-W）版本，后者被用作代币化试点的基础。

Broader Crypto Market Insights

更广泛的加密货币市场洞察

Beyond tokenisation, the crypto market continues to evolve. Recent news highlights include:

除了代币化之外，加密市场还在不断发展。最近的新闻亮点包括：

• Citibank planning to launch crypto asset custody services in 2026.
• Pyth Network partnering with Kalshi to bring prediction market data on-chain.
• Discussions around establishing stable funds on trading platforms to provide liquidity support.

Events like the "surrender-style selling" triggered by market volatility have reshaped the crypto market's holding structure. Despite challenges, there's ongoing innovation and adaptation.

市场波动引发的“投降式抛售”等事件重塑了加密市场的持股结构。尽管面临挑战，创新和适应仍在不断进行。

Final Thoughts

最后的想法

From CRDB Bank's accessible token service in Tanzania to the RBI's digital currency experiments and the broader crypto market dynamics, it's clear that finance is undergoing a significant transformation. These changes promise greater accessibility, efficiency, and transparency. The future of money is here, and it’s looking pretty digital!

从 CRDB 银行在坦桑尼亚的无障碍代币服务到印度储备银行的数字货币实验以及更广泛的加密市场动态，很明显，金融正在经历重大转型。这些变化有望提高可访问性、效率和透明度。货币的未来已经到来，而且它看起来非常数字化！