瑞波币将利用新的CBDC平台在金管局e港元试点计划中展示代币化
(Ripple to demonstrate tokenization in HKMA e HKD pilot program using new CBDC platform)

Published: 2023-05-18


1. 文章的主要主题是Ripple与香港金融管理局（HKMA）合作推出中央银行数字货币（CBDC）平台. 该平台名为e-HKD，旨在促进实时支付，并提高香港金融体系的跨境交易效率。. CBDC是全球金融业的一个增长趋势，因为它们比传统支付系统具有优势，例如更低的成本，更快的结算时间和更高的透明度.

2. 作为试点计划的一部分，电子港元平台将由12家参与银行（包括汇丰银行和中国银行）以及4家数字钱包提供商进行测试. 该平台将使用瑞波币的支付网络，使参与者能够即时发送和接收电子港元代币. 在CBDC中使用区块链技术的好处包括提高安全性和隐私性，以及自动化监管合规和降低运营成本的能力。.

3. 瑞波币与金管局之间的合作正值全球许多央行正在探索发行CBDC的可能性之际. 电子港元试点计划可以作为其他国家和中央银行寻求现代化支付系统的典范. 然而，人们也担心CBDC对更广泛的金融体系的影响，包括对金融稳定的潜在威胁和银行在经济中的作用。. 因此，CBDC的监管框架仍在制定中，其更广泛的采用仍不确定。. .


1. The main topic of the article is the partnership between Ripple and the Hong Kong Monetary Authority (HKMA) to launch a central bank digital currency (CBDC) platform. The platform,called e-HKD,is intended to facilitate real-time payments and improve the efficiency of cross-border transactions in Hong Kong's financial systems. CBDCs are a growing trend in the global financial industry,as they offer advantages over traditional payment systems,such as lower costs,faster settlement times,and increased transparency.

2. As part of the pilot program,the e-HKD platform will be tested by 12 participating banks,including HSBC and Bank of China,and 4 digital wallet providers. The platform will use Ripple's payment network to enable participants to send and receive e-HKD tokens instantly. The benefits of using blockchain technology in CBDCs include increased security and privacy,as well as the ability to automate regulatory compliance and reduce operational costs.

3. The partnership between Ripple and HKMA comes at a time when many central banks around the world are exploring the possibility of issuing CBDCs. The e-HKD pilot program could serve as a model for other countries and central banks looking to modernize their payment systems. However,there are also concerns around the impact of CBDCs on the wider financial system,including potential threats to financial stability and the role of banks in the economy. As such,regulatory frameworks for CBDCs are still being developed,and their wider adoption remains uncertain.


Reference: cointelegraph.com