JP Morgan的Kinexys数字支付（以前是JPM硬币）用于解决交付与付款交易

今天，Ondo Finance宣布JP Morgan的Kinexys数字支付（以前是JPM硬币）用于解决交付与付款交易

Today Ondo Finance announced that JP Morgan’s Kinexys Digital Payments (formerly JPM Coin) was used to settle a delivery versus payment transaction for its OUSG tokenized money market fund on the Ondo blockchain. Hence, a blockchain-based bank account on the permissioned Kinexys blockchain was integrated for payments on a permissionless blockchain using Chainlink’s cross chain orchestration infrastructure. This inaugural transaction took place on Ondo’s testnet.

今天，Ondo Finance宣布，JP Morgan的Kinexys数字支付（以前是JPM硬币）被用来解决交付与OUSG代币化的货币市场基金的交付交易，而Ondo区块链上的付款交易。因此，使用Chainlink的跨链条编排基础架构集成了基于区块链的基于区块链的银行帐户，以付款，以付款。这项首届交易发生在Ondo的TestNet上。

On chain transactions on public blockchain are usually settled either using stablecoins or with off chain payments. While crypto native firms might prefer to keep most of their assets on chain and prefer stablecoins to bank accounts, other companies will have the majority of their cash at a bank. So transferring from a bank account to a stablecoin in order to settle a transaction adds a layer of friction.

在公共区块链上的链条交易上通常使用Stablecoins或通过链条支付来解决。尽管加密货币公司可能更喜欢将其大部分资产保留在连锁上，而更喜欢稳定的银行账户，但其他公司将在银行拥有大部分现金。因此，从银行帐户转移到确定交易的稳定币会增加一层摩擦。

Momentum is building for tokenized collateral to be used for margin payments in traditional finance, particularly for derivatives. While a traditional finance firm might be comfortable using something like BlackRock’s BUIDL tokenized money market fund, which is issued on permissionless blockchains, they may be less happy about holding stablecoins. One of the benefits of tokenization is to break down silos. For traditional finance firms, keeping money in both stablecoins and a bank account creates additional fragmentation.

势头正在建立象征性抵押品，用于用于传统金融的利润支付，尤其是用于衍生品。虽然传统的金融公司可能会使用贝莱德（BlackRock）的Buidl代币化货币市场基金之类的东西感到舒适，该基金是根据无许可的区块链发行的，但他们可能对持有stablecoins的乐趣不满意。令牌化的好处之一是分解孤岛。对于传统的金融公司，保留股本和银行帐户的货币会产生额外的分裂。

Plus, JP Morgan serves thousands of institutions and does business with 90% of Fortune 500 firms, according to its annual report. If something like Kinexys Digital Payments was available for settlement on more permissionless chains, some institutions may choose to side step stablecoins.

此外，根据其年度报告，JP Morgan为成千上万的机构提供服务，并与90％的财富500家公司开展业务。如果可以在更无许可的连锁店上解决Kinexys数字支付之类的东西，那么一些机构可能会选择侧面稳定。

“Kinexys Digital Payments is designed to support J.P. Morgan’s institutional clients by enhancing the current payment experience while anticipating clients’ evolving payment needs as they engage in transactions on emerging infrastructures, including public blockchain,” said Nelli Zaltsman, Head of Platform Settlement Solutions, Kinexys Digital Payments. To date transaction volumes on Kinexys have surpassed $1.5 trillion.

Nelli Zaltsman表示：“ Kinexys数字支付旨在通过增强当前的付款经验来支持JP Morgan的机构客户，同时预见了客户在包括公共区块链在内的新兴基础设施交易时不断发展的付款需求。”迄今为止，Kinexys的交易量超过了1.5万亿美元。

Bank tokens on permissionless chains?

银行代币无权连锁？

One way of enabling payments on permissionless chains would be to issue a deposit token directly on a permissionless blockchain. This is something JP Morgan has been discussing for years, and recently proposed a path towards standards. However, when asked by Ledger Insights a member of the Kinexys team would not be drawn on a possible timeline.

实现无许可连锁店付款的一种方法是直接在无许可区块链上发布存款令牌。这是JP Morgan多年来一直在讨论的事情，最近提出了通往标准的道路。但是，当Ledger Insights询问时，Kinexys团队的成员不会在可能的时间表上绘制。

Turning to Ondo Finance, this is the latest collaboration with a long list of traditional financial (TradFi) institutions. Last year it announced a deal with several mainstream asset managers. OUSG is backed by other tokenized money market funds including from BlackRock, Fidelity, Franklin Templeton, Wellington and WisdomTree. Hence, if someone holds one of those tokenized funds, Ondo stands willing to buy them because it can use them as collateral, helping to create liquidity for the other funds. Ondo also inked a collaboration with Mastercard’s Multi-Token Network.

转向Ondo Finance，这是与一长串传统金融（Tradfi）机构的最新合作。去年，它宣布了与几位主流资产经理达成协议。 OUSG得到了其他令牌货币市场基金的支持，包括来自贝莱德，富达，富兰克林·邓普顿，惠灵顿和韦斯特里特。因此，如果有人持有这些象征性的资金之一，那么Ondo Stand愿意购买它们，因为它可以将其用作抵押品，从而为其他资金创造流动性。 Ondo还与MasterCard的多型网络签署了合作。

Chainlink’s role in the transaction was to provide interoperability. It used the Chainlink Runtime Environment (CRE) which provides a secure offchain computing environment that coordinates activities across blockchains and existing systems. It was also integrated with the Kinexys Digital Payments’ synchronized settlement workflow.

ChainLink在交易中的作用是提供互操作性。它使用了链链链接运行时环境（CRE），该环境提供了一个安全的离链计算环境，该环境可以协调跨区块链和现有系统的活动。它还与Kinexys Digital Payments的同步结算工作流程集成在一起。

Ledger Insights has published a report on the bank adoption of stablecoins, tokenized deposits and DLT payments. In addition to 70 projects, it explores design features, such as how to avoid pitfalls that could limit their longer term potential.

Ledger Insights已发布了一份关于银行采用Stablecoins，Sitkenized存款和DLT付款的报告。除70个项目外，它还探索了设计功能，例如如何避免陷入可能限制其长期潜力的陷阱。