Swift宣布将从2025年11月开始通过数字资产进行实时交易测试

银行间网络每年移动超过1500万亿美元，现在正在寻求使其运营与数字钱包兼容和通过令牌化帐户兼容。

The role of the interbank messaging network SWIFT in facilitating real-time transactions with digital assets, such as stablecoins, tokenized currencies, and central bank digital currencies (CBDCs), has been brought into focus.

银行间消息网络SWIFT在促进数字资产的实时交易中的作用，例如StableCoins，令牌化货币和中央银行数字货币（CBDC），已成为重点。

As reported by the Financial Times, SWIFT will commence testing real-time transactions with digital assets from November 2025.

据《金融时报》报道，Swift将从2025年11月开始通过数字资产测试实时交易。

The initiative aims to integrate features like stablecoins, tokenized currencies, and CBDCs into traditional banking systems, enabling seamless interoperability.

该倡议旨在将诸如Stablecoins，令牌化货币和CBDC之类的功能集成到传统的银行系统中，从而实现无缝的互操作性。

Annually transferring more than US$150 trillion and connecting over 11,000 financial institutions across 210 countries and territories, SWIFT is now seeking to make its operations compatible with digital wallets and settlement via tokenized accounts.

Swift每年每年转移超过1.5亿美元，并在210个国家和地区之间连接11,000多个金融机构，现在正在寻求使其运营与数字钱包兼容，并通过标记帐户兼容。

These tests will be carried out in collaboration with financial institutions in North America, Europe, and Asia.

这些测试将与北美，欧洲和亚洲的金融机构合作进行。

The proposal includes the use of fees similar to those applied in blockchains, known as “gas fees”, to prioritize and process transactions quickly. Additionally, there will be a focus on standardizing a single and reliable source of price data for cryptocurrencies.

该提案包括使用类似于在区块链（称为“汽油费”）中使用的费用，以快速对交易进行优先级和处理交易。此外，将重点放在标准化加密货币的单一且可靠的价格数据来源。

Tracking transactions via tokens also promises to increase transparency by enabling anyone to view transaction paths and identify intermediate banks.

通过令牌跟踪交易也有望通过使任何人查看交易路径并确定中间银行来提高透明度。

Today, most digital asset platforms operate in isolation, without direct integration with the conventional banking system. SWIFT’s proposal is to create a framework that connects these “islands” to the global financial ecosystem, leveraging their existing correspondent banking infrastructure.

如今，大多数数字资产平台都隔离开展，而无需与传统银行系统直接集成。斯威夫特的提议是创建一个将这些“岛屿”与全球金融生态系统联系起来的框架，利用其现有的记者银行基础设施。

This move is in line with the global migration to the ISO 20022 standard, which enriches financial data with greater clarity and interoperability. This standard will be essential for digital currencies and traditional banking systems to communicate efficiently and accurately.

这一举动符合全球迁移到ISO 20022标准，该标准以更明显和互操作性丰富了财务数据。该标准对于数字货币和传统的银行系统至关重要，以便有效，准确地进行交流。

"We are entering the final phase of testing the use of tokenized payments within the SWIFT environment," a SWIFT spokesperson told the Financial Times.

一位迅速发言人告诉《金融时报》：“我们正在进入测试在迅速环境中使用令牌付款的最后阶段。”

These tests will be pivotal in determining the seamless integration of digital assets with traditional banking systems, paving the way for a more interconnected and efficient financial ecosystem.

这些测试将在确定数字资产与传统银行系统的无缝集成中至关重要，这为更加相互联系和有效的金融生态系统铺平了道路。