量化，标记的斯特林和英国项目：付款的新时代？

使用Quant的技术来探索英国的创新项目，用于令牌化的Sterling存款及其对付款未来的影响。

The UK is diving headfirst into the future of finance with its 'Quant, Tokenised Sterling, UK project'. It's like they're saying, 'Hold my tea, we're about to revolutionize payments!' This initiative, spearheaded by UK Finance and backed by major banks, is all about testing tokenised commercial bank deposits using Quant's groundbreaking technology. The goal? Faster settlements, less fraud, and smoother financial processes. Buckle up, because this project is slated to run through mid-2026, bringing real transactions to life.

英国以其“量子，象征化的英国项目”的“量子”，首先深入研究金融的未来。就像他们说的是，“拿着我的茶，我们将要革新付款！”这项倡议由英国财务支撑并得到主要银行的支持，所有这些倡议都旨在使用Quant的开创性技术测试令牌化的商业银行存款。目标？更快的定居点，更少的欺诈行为和更平滑的财务流程。扣紧，因为该项目计划在2026年中期运行，从而使真实的交易栩栩如生。

Tokenised Sterling: What's the Big Deal?

象征化的斯特林：有什么大不了的？

Tokenised sterling deposits are essentially digital versions of good ol' commercial bank money. They come with the same regulatory protections as traditional deposits but offer some seriously cool upgrades: programmability, faster transactions, and next-level fraud prevention. Think of it as your regular money getting a superhero makeover.

代币化的英镑矿床本质上是商业银行货币的数字版本。它们具有与传统存款相同的监管保护措施，但提供了一些认真的升级：可编程性，更快的交易和下一级欺诈。将其视为您的常规资金进行超级英雄改头换面。

Quant's platform is the brains behind the operation, integrating seamlessly with bank ledgers, the Bank of England’s RTGS system, Faster Payments, and Open Banking APIs. It's like connecting all the dots in the financial universe, making everything work together in harmony.

Quant的平台是操作背后的大脑，与银行分类帐，英格兰银行的RTGS系统，更快的付款和开放银行API无缝集成。这就像连接金融世界中的所有点，使一切都和谐地一起工作。

Real-World Benefits: Use Cases

现实世界的好处：用例

The project isn't just about fancy tech; it's about making real improvements. Three key areas will be put to the test:

该项目不仅涉及花哨的技术。这是关于取得真正的改进。将进行三个关键领域：

• Online Marketplace Payments: Aiming to slash fraud and build trust between buyers and sellers.
• Remortgaging: Streamlining property transactions to reduce risks and speed things up.
• Wholesale Bond Settlement: Delivering instant delivery-versus-payment (DvP) with a shared liquidity pool, which could free up capital and cut delays.

Quant CEO Gilbert Verdian believes this project is laying the groundwork for new forms of programmable money. Jana Mackintosh from UK Finance highlights that this collaboration aims to deliver better payments for everyone while positioning the UK as a leader in tokenised money standards. Sounds like a win-win, right?

Quant CEO Gilbert Verdian认为，该项目正在为新形式的可编程资金奠定基础。英国金融公司的Jana Mackintosh强调，这项合作旨在为所有人提供更好的付款，同时将英国定位为代币化的货币标准的领导者。听起来像是双赢，对吗？

The Quantum Threat: A Cloud on the Horizon?

量子威胁：地平线上的云？

Now, before we get too carried away, there's a lurking threat we need to address: quantum computing. IBM's Michael Osborne warns that advancements in quantum computing could one day break Bitcoin's cryptography. IBM's Starling project, aiming for a fault-tolerant quantum computer by 2029, is making steady progress. If they hit their target, the crypto world might have less time than expected to upgrade to quantum-safe systems.

现在，在我们被带走之前，我们需要解决一个潜伏的威胁：量子计算。 IBM的迈克尔·奥斯本（Michael Osborne）警告说，量子计算中的进步可能有一天会破坏比特币的加密术。 IBM的Starling Project旨在到2029年到2029年进行耐故障量子计算机。如果他们达到目标，加密货币世界可能比升级到量子安全系统的期望时间少。

Osborne stresses the importance of logical qubits and the need to start planning for quantum migration now. Market movements could be the first sign of trouble if investors lose confidence in non-quantum-safe ecosystems. It’s like preparing for a digital Y2K – better safe than sorry.

奥斯本强调了逻辑Qubits的重要性以及现在开始计划量子迁移的需求。如果投资者对非量子安全生态系统失去信心，市场变动可能是麻烦的第一个迹象。这就像准备数字Y2K一样 - 安全而不是后悔。

My Two Cents

我的两分钱

While the quantum threat is real, the UK's tokenised sterling project is a bold step forward. It's exciting to see traditional finance embracing new technologies to improve efficiency and security. The key will be staying ahead of the curve on the quantum front and ensuring a smooth transition to quantum-resistant systems. Think of it as upgrading your digital locks before the super-smart thieves arrive.

虽然量子威胁是真实的，但英国的代币化项目是大胆的一步。令人兴奋的是，传统的财务拥抱新技术以提高效率和安全性。钥匙将保持在量子前沿的曲线领先，并确保平稳过渡到量子抗性系统。可以将其视为在超级聪明的盗贼到达之前升级您的数字锁。

Wrapping Up

总结

So, what's the takeaway? The 'Quant, Tokenised Sterling, UK project' is a game-changer. It's about modernizing payments, reducing fraud, and positioning the UK as a leader in the digital finance revolution. Sure, there are challenges ahead, but with the right planning and a bit of foresight, the future of payments looks brighter than ever. And who knows, maybe one day we'll all be paying for our coffee with tokenised sterling. How very British and futuristic!

那么，收获是什么？ “量化，象征化的英国项目”是一个改变游戏规则的人。这是关于现代化的付款，减少欺诈并将英国定位为数字金融革命的领导者。当然，面临挑战，但是随着正确的计划和一些远见，付款的未来看起来比以往任何时候都更加光明。谁知道，也许有一天我们都会用象征化的斯特林为咖啡付费。多么英国和未来派！