Swift，以太坊和Stablecoins：关于财务未来的纽约一分钟

Swift的试点计划测试以太坊稳定付款的付款表明有很大的转变。这是跨境财务的未来吗？让我们分解。

Yo, what's the deal? SWIFT, Ethereum, and stablecoins walk into a bar... Nah, but seriously, the old guard's getting cozy with the new kids on the block, and it's kinda a big deal. SWIFT's testing out Ethereum stablecoin payments, and everyone's watching. Here's the lowdown.

哟，这是怎么回事？斯威夫特，以太坊和稳定的人走进酒吧……不，不，说真的，老后卫与新的孩子们陷入困境，这很重要。斯威夫特（Swift）测试以太坊稳定付款，每个人都在看。这是低点。

SWIFT's Ethereum Stablecoin Shindig: What's the Hype?

Swift的以太坊Stablecoin Shindig：炒作是什么？

So, SWIFT – the backbone of international bank transfers – is playing around with Ethereum stablecoins on Consensys' Linea blockchain. Why? Because the old system is slower than a Sunday afternoon stroll in Central Park. We're talking faster, cheaper, and more transparent cross-border payments. Imagine sending money overseas without all the fees and waiting – that's the dream.

因此，国际银行转让的骨干的斯威夫特（Swift）正在与Consensys的Linea区块链上玩耍以太坊稳定。为什么？因为旧系统比周日下午在中央公园漫步慢。我们正在谈论更快，更便宜，更透明的跨境支付。想象一下，在国外汇款而没有所有的费用并等待 - 那是梦想。

This ain't just some side project either. Major banks like BNP Paribas and BNY Mellon are in on it. They're not just dipping their toes; they're cannonballing into the digital asset pool. This pilot program aims to show how banks can settle payments directly on the blockchain, cutting out the middlemen and making everything lightning-fast.

这也不只是一些附带项目。法国巴黎银行（BNP Paribas）和BNY Mellon等主要银行正在加入。他们不只是俯冲脚趾；他们正在进入数字资产池中。该试点计划旨在展示银行如何直接在区块链上解决付款，削减中间人并使一切变得闪电。

Linea: The Blockchain Backbone

Linea：区块链骨干

SWIFT chose Linea, an Ethereum Layer 2 network, for a reason. It's all about speed, security, and keeping things private. Linea's tech handles a ton of transactions at a low cost, all while keeping the security of Ethereum. Plus, it addresses those pesky regulatory concerns about data privacy. Smart move, SWIFT.

Swift选择Linea，这是一个以太坊2层网络，其原因。这一切都与速度，安全性和保持私密性有关。 Linea的技术以低成本处理大量交易，同时保持以太坊的安全性。另外，它解决了关于数据隐私的讨厌的监管问题。明智的举动，迅速。

Winners, Losers, and Ripple's Side-Eye

获胜者，失败者和Ripple的侧眼

Who's winning? BNP Paribas and BNY Mellon get to shape the future of blockchain-based payments. Consensys? Their Linea network just got a major stamp of approval. As for Ripple (XRP), well, they've been touting blockchain for cross-border payments for ages. SWIFT's move is like showing up to the party with the same outfit – awkward! Still, broader blockchain adoption can open doors for everyone.

谁赢了？法国巴黎银行（BNP Paribas）和BNY Mellon能够塑造基于区块链的付款的未来。共识？他们的Linea网络刚刚获得了重大批准。至于Ripple（XRP），好吧，他们一直在吹捧一个年龄段的跨境支付区块链。斯威夫特的举动就像是穿着同样的服装参加聚会的举动 - 尴尬！尽管如此，更广泛的区块链采用仍可以为所有人打开大门。

My Two Cents: A Glimpse into the Future

我的两分钱：瞥见未来

Alright, here's my take. This SWIFT and Ethereum tango is more than just a test; it's a sign of the times. Traditional finance can't ignore digital assets anymore. The fact that SWIFT is diving in headfirst shows they're serious about staying relevant. I think SWIFT are trying to reinvent themselves and the industry, to stay relevant and provide better services in this ever changing world.

好吧，这是我的看法。这种迅速和以太探戈不仅仅是测试。这是时代的标志。传统财务不再忽略数字资产。斯威夫特首先潜水的事实表明，他们对保持相关性很认真。我认为Swift试图重塑自己和行业，以保持相关性并在这个不断变化的世界中提供更好的服务。

But here's the kicker: The test focuses on using "regulated stablecoins" or "stablecoin-like tokens." This isn't about wild west crypto; it's about bringing digital assets into a compliant, supervised system. Regulators are gonna be all over this, figuring out how to handle these new financial instruments.

但是，这是踢脚：测试的重点是使用“调节的稳定币”或“ stablecoin样令牌”。这与Wild West Crypto无关；这是关于将数字资产带入合规的监督系统。监管机构将全力以赴，弄清楚如何处理这些新的金融工具。

The Road Ahead: What's Next?

前方的道路：下一步是什么？

Keep your eyes peeled for the results of this pilot program. SWIFT's planning even broader trials with stablecoins, tokenized currencies, and CBDCs. By the end of 2025, SWIFT will fully transition to the ISO 20022 MX format, which is basically blockchain-friendly. The stablecoin market could explode, reaching trillions of dollars by 2030. Buckle up, folks.

睁大眼睛，以获得该试点计划的结果。斯威夫特（Swift）的规划甚至更广泛的试验，即用稳定的货币和CBDC进行。到2025年底，Swift将完全过渡到ISO 20022 MX格式，该格式基本上对区块链友好。 Stablecoin市场可能会爆炸，到2030年到达数万亿美元。

Final Thoughts: A New Chapter

最终想法：新篇章

This SWIFT and Ethereum stablecoin situation is a pivotal moment. It’s a big step towards a more efficient and connected financial world. Keep an eye on how this plays out – it's gonna be interesting. Who knows, maybe one day we'll all be paying for our morning coffee with stablecoins, sent through a SWIFT-powered blockchain. The future is now, baby!

这种迅速而以太坊的稳定状况是一个关键的时刻。这是迈向更高效和联系的金融界的重要一步。请密切关注这种情况 - 这将很有趣。谁知道，也许有一天我们都会用稳定的区块链寄来的stabablecoins付费。宝贝现在的未来！