万事达卡开创跨境代币化资产结算共享账本平台

万事达卡和几家著名的美国银行联手试行突破性的共享账本系统，以快速结算代币化资产。该举措被称为“受监管的结算网络”，旨在提高跨境金融交易（特别是美元结算）的效率、安全性和降低风险。它建立在之前专注于国内和国际支付的试验的基础上，并利用了花旗集团、摩根大通和 Visa 等行业巨头的专业知识。

Mastercard Spearheads Shared Ledger System for Settlement of Tokenized Assets, Envisioning a Unified Platform for Cross-Border Transactions

万事达卡率先推出用于代币化资产结算的共享账本系统，构想跨境交易的统一平台

New York, May 8, 2024 - Mastercard, in collaboration with prominent US banks, is pioneering the adoption of innovative financial technologies by piloting a shared ledger system designed to accelerate the settlement of tokenized assets. This groundbreaking initiative aligns with the growing demand for efficiency and enhanced security in cross-border financial transactions.

纽约，2024 年 5 月 8 日 - 万事达卡与美国知名银行合作，通过试点旨在加速代币化资产结算的共享账本系统，率先采用创新金融技术。这一突破性举措符合跨境金融交易中对效率和增强安全性日益增长的需求。

Codenamed the Regulated Settlement Network, this pioneering framework is tailored to optimize dollar transactions and aims to consolidate the settlement of commercial bank money and securities, encompassing Treasury and investment-grade securities. The initiative not only strives to expedite settlement processes but also seeks to mitigate the risks of errors and fraud, offering a more secure and reliable mechanism for cross-border transactions.

这一开创性框架代号为“受监管的结算网络”，旨在优化美元交易，旨在整合商业银行货币和证券（包括国债和投资级证券）的结算。该举措不仅致力于加快结算流程，还致力于降低错误和欺诈风险，为跨境交易提供更安全、更可靠的机制。

"Mastercard is joining forces with financial institutions to experiment with ledger technology that would facilitate shared settlement of tokenized assets," reported Bloomberg Crypto on May 8, 2024.

Bloomberg Crypto 于 2024 年 5 月 8 日报道称：“万事达卡正在与金融机构联手试验账本技术，以促进代币化资产的共享结算。”

Through the utilization of asset tokenization and distributed ledger technology, settlement processes are anticipated to be unified on a single, seamless platform. This development serves as an extension of a previous 12-week trial that focused on domestic and international dollar payments, commencing in late 2022.

通过利用资产代币化和分布式账本技术，结算流程预计将统一在一个无缝平台上。这一进展是之前为期 12 周的试验的延伸，该试验专注于国内和国际美元支付，将于 2022 年底开始。

The ongoing trial boasts the participation of financial heavyweights such as Citigroup Inc., JPMorgan Chase & Co., Visa Inc., and Swift, among others. The collective expertise of entities like Bank of New York Mellon Corp. and the International Swaps and Derivatives Association further contributes to the project's potential effectiveness and impact on the financial industry.

正在进行的试验吸引了花旗集团、摩根大通、Visa Inc. 和 Swift 等金融巨头的参与。纽约梅隆银行和国际掉期与衍生品协会等实体的集体专业知识进一步促进了该项目的潜在有效性和对金融业的影响。

The Regulated Settlement Network represents a significant stride towards the realization of a more efficient and secure global financial system. By harnessing the transformative potential of blockchain technology, Mastercard and its partners are paving the way for faster, more reliable, and less error-prone cross-border transactions.

受监管的结算网络代表着朝着实现更高效、更安全的全球金融体系迈出了一大步。通过利用区块链技术的变革潜力，万事达卡及其合作伙伴正在为更快、更可靠、更不易出错的跨境交易铺平道路。

Concomitant Developments in the Banking Sector

银行业的同步发展

Alongside the advancements in cross-border settlement, other significant developments are shaping the landscape of the banking sector. Major American banks are actively seeking the support of the Securities and Exchange Commission (SEC) to engage in the recently approved Bitcoin ETF spot market. Industry groups such as the Bank Policy Institute and the American Bankers Association have advocated for specific regulatory changes to facilitate their participation in this emerging market segment.

除了跨境结算的进步之外，其他重大发展也在塑造银行业的格局。美国各大银行正在积极寻求美国证券交易委员会（SEC）的支持，以参与最近批准的比特币 ETF 现货市场。银行政策研究所和美国银行家协会等行业团体主张进行具体的监管改革，以促进他们参与这一新兴市场领域。

Concurrent with these initiatives, the recent failure of Republic First Bank, marking the second bank collapse since 2023, underscores the challenges confronting the banking industry. This incident highlights the urgent need for regulatory adjustments to enhance the stability and resilience of the financial system.

与此同时，共和国第一银行 (Republic First Bank) 最近倒闭，标志着 2023 年以来第二家银行倒闭，凸显了银行业面临的挑战。这一事件凸显了监管调整的迫切需要，以增强金融体系的稳定性和韧性。

As Mastercard and its partners continue to advance the frontiers of financial technology, the banking sector navigates a period of transformation and regulatory scrutiny. These concurrent developments point to a dynamic and evolving financial landscape, where innovation and regulatory oversight play pivotal roles in shaping the future of cross-border transactions and the banking industry as a whole.

随着万事达卡及其合作伙伴不断推进金融技术的前沿，银行业正在经历一个转型和监管审查的时期。这些同时发生的发展表明金融格局充满活力且不断发展，其中创新和监管在塑造跨境交易和整个银行业的未来方面发挥着关键作用。