Swift的区块链分类帐：革新Swift之外的跨境支付？

斯威夫特（Swift）涵盖了即时跨境支付的区块链，与共识和主要银行合作。这是解决延迟的终结吗？

Swift's Blockchain Ledger: Revolutionizing Cross-Border Payments Beyond SWIFT?

Swift的区块链分类帐：革新Swift之外的跨境支付？

The financial world's buzzing! Swift, the OG in global payment messaging, is making a bold move: integrating a blockchain-based shared ledger. Forget those snail-paced, costly cross-border payments. Swift's aiming for real-time, 24/7 transactions.

金融界的嗡嗡声！ Swift是全球付款消息传递中的OG，正在大胆举动：集成基于区块链的共享分类帐。忘记那些蜗牛节奏的，昂贵的跨境支付。斯威夫特的目标是实时24/7交易。

Swift's Blockchain Leap: Why Now?

斯威夫特的区块链飞跃：为什么现在？

Announced at the Sibos conference in Frankfurt on September 29, 2025, this isn't just a toe-dip into blockchain; it's a cannonball. With crypto gaining traction and companies like Ripple nipping at its heels, Swift's not sitting still. Partnering with Consensys and roping in over 30 financial giants, they're serious about shaking up digital finance.

在2025年9月29日在法兰克福的Sibos会议上宣布，这不仅仅是区块链的脚趾倾角；这是一个炮弹。随着加密货币的牵引力，像Ripple一样的公司紧随其后，Swift并没有坐着。他们与共识并在30多个金融巨头合作，他们认真对待摇晃数字融资。

What's the Big Deal About This Ledger?

这个分类帐有什么大不了的？

This isn't your grandpa's ledger. Swift's blockchain platform is designed for real-time, around-the-clock cross-border payments. It tackles those age-old problems of settlement delays and hefty fees head-on. Using smart contracts, the ledger records, sequences, and validates transactions, ensuring trust and compliance.

这不是您爷爷的分类帐。 Swift的区块链平台设计用于实时，全天候的跨境支付。它可以正面解决这些古老的定居延迟和高额费用的问题。使用智能合约，分类帐记录，序列并验证交易，确保信任和合规性。

Key Features and Benefits

关键特征和好处

• Real-Time, 24/7 Payments: Say goodbye to waiting days for international transfers.
• Reduced Costs: Blockchain slashes those pesky intermediary fees.
• Smart Contracts: Automated execution ensures secure and transparent transactions.
• Interoperability: Designed to connect with existing and emerging financial networks.
• Tokenized Assets: Supports the use of regulated tokenized value.

Who's Involved?

谁参与？

Banks from 16 countries are shaping this ledger, including heavy hitters like UBS, BBVA, BNY, and HSBC. They're not just along for the ride; they're actively contributing to the design and development.

来自16个国家 /地区的银行正在塑造这一分类帐，其中包括瑞银，BBVA，BNY和HSBC等重型击球手。他们不只是骑车；他们积极为设计和开发做出贡献。

The Tech Under the Hood

引擎盖下的技术

While Swift's keeping some details close to the vest, rumors point to Consensys' Ethereum Layer 2 solution, Linea, playing a role. This could mean faster, cheaper transactions without sacrificing security. Zero-knowledge proofs ensures sensitive customer data stays protected.

尽管斯威夫特将一些细节靠近背心，但谣言指出了Consensys的第2层解决方案Linea，扮演角色。这可能意味着不牺牲安全性的速度更快，更便宜。零知识证明可确保敏感的客户数据受到保护。

Swift vs. Stablecoins: A New Battleground?

Swift vs. Stablecoins：一个新的战场？

Some reports suggest Swift's move is also a play to counter the rise of stablecoins. By modernizing its infrastructure, Swift aims to offer a more competitive and reliable alternative for cross-border payments.

一些报道表明，斯威夫特的举动也是应对稳定蛋白兴起的戏剧。通过现代化其基础设施，Swift的目标是为跨境支付提供更具竞争力和可靠的替代方案。

My Take: A Smart Move, But Challenges Remain

我的看法：明智的举动，但仍然存在挑战

Swift's blockchain ledger is a game-changer. It has the potential to revolutionize cross-border payments, making them faster, cheaper, and more accessible. The collaboration with major financial institutions and the use of Ethereum-based technology signal a commitment to innovation. However, challenges remain. Integration costs, operational risks, and regulatory hurdles need to be addressed. Plus, settlement is a legal process, not just a technical one, blockchain confirmations need to align with legal finality rules before the system can scale globally. Regardless, the potential benefits are too significant to ignore.

斯威夫特的区块链分类帐是改变游戏规则的。它有可能改变跨境支付，使其更快，更便宜且更容易获得。与主要金融机构的合作以及基于以太坊的技术的使用表明了对创新的承诺。但是，仍然存在挑战。需要解决集成成本，运营风险和监管障碍。另外，解决方案是一个法律程序，而不仅仅是一个技术过程，区块链确认需要与法律终结规则保持一致，然后才能在系统上进行扩展。无论如何，潜在的好处太显着而无法忽略。

The Future is Now

未来现在是

So, there you have it. Swift's not just sitting back; they're diving headfirst into the blockchain revolution. Will this new ledger finally make those pesky cross-border payments a breeze? Only time will tell, but one thing's for sure: the future of finance just got a whole lot more interesting. Keep your eyes peeled!

所以，你有。斯威夫特不只是坐下来；他们首先跳入区块链革命。这个新的分类帐最终会使那些讨厌的跨境付款变得轻而易举吗？只有时间会说明，但是可以肯定的是：金融的未来变得更加有趣。睁大眼睛！