SWIFT 倡導在代幣化支付系統中建立訊息傳遞層

The Society for Worldwide Interbank Financial Telecommunication (SWIFT) has recently articulated its vision for integrating with a tokenized future, emphasizing the crucial role of a messaging layer within tokenized payment systems. This approach is designed to merge the solid strengths of the messaging services of SWIFT with the creative potential of shared ledger technology.

全球銀行間金融電信協會 (SWIFT) 最近闡明了與代幣化未來整合的願景，強調了訊息傳遞層在代幣化支付系統中的關鍵作用。這種方法旨在將 SWIFT 報文服務的堅實優勢與共享帳本技術的創造潛力融為一體。

CB⚡DC DAILY: 🤘🏼#Swift promotes the concept of a universal shared ledger. But based on messaging
CB⚡DC DAILY：🤘🏼#Swift 推廣了通用共享帳本的概念。但基於訊息傳遞

I respect Swift, but the future will not look like the past.#CBDC #FinTech @efipm @Kiffmeister @sonjadav @Jonas__Gross @conrad_kraft @JoshuaLipsky https://t.co/lo2fPfBicK
我尊重 Swift，但未來不會像過去那樣。#CBDC #FinTech@efipm@Kiffmeister@sonjadav@Jonas__Gross@conrad_kraft@JoshuaLipsky https://t.co/lo2fPfBicK

— Richard Turrin (@richardturrin) March 22, 2024
— 理查‧圖林 (@richardturrin) 2024 年 3 月 22 日

SWIFT’s Stance on Tokenization and Shared Ledgers

SWIFT has observed rapid advancements in fintech, particularly in the area of tokenization and the development of shared ledger models. The organization, as a result, recognizes the ability of shared infrastructure to deliver live balance updates to all participants in a shared ledger.

SWIFT 對代幣化和共享帳本的立場SWIFT 觀察到金融科技的快速進步，特別是在代幣化和共享帳本模型的開發領域。因此，該組織認識到共享基礎設施能夠向共享帳本中的所有參與者提供即時餘額更新。

SWIFT, however, also highlights the drawbacks of shared ledgers in processing huge data volumes. This limitation illustrates the need for a messaging layer that is capable of supporting transactions and data-intensive latter-day financial services, including compliance, anti-money laundering (AML) measures, and sanctions screening.

然而，SWIFT 也強調了共享帳本在處理大量資料的缺點。這項限製表明需要一個能夠支援交易和資料密集型現代金融服務的訊息傳遞層，包括合規性、反洗錢 (AML) 措施和製裁篩選。

Role of Messaging in a Unified Ledger

The proposal from SWIFT presents an opportunity to utilize its already-in-place ISO-20022 messaging technology as the foundation of a new type of payment model that merges the best of both centralized and decentralized systems. This model assumes a state machine that can dynamically mirror the transaction and balance statuses within several institutions, that is, possibly built on a blockchain technology or centralized platform such as SWIFT Transaction Manager.

報文在統一分類帳中的作用 SWIFT 的提議提供了一個機會，可以利用其已有的 ISO-20022 報文技術作為新型支付模型的基礎，該模型融合了集中式和分散式系統的優點。該模型假設一個狀態機可以動態鏡像多個機構內的交易和餘額狀態，也就是說，可能會建構在區塊鏈技術或集中式平台（例如 SWIFT Transaction Manager）上。

This kind of hybrid approach seeks to enable a smooth switch to the tokenized payment systems while also taking care of the regulatory needs and effective processing of financial transactions.

這種混合方法旨在實現向代幣化支付系統的平穩切換，同時也滿足監管需求和金融交易的有效處理。

Addressing the Challenges of Adoption

SWIFT recognizes the difficulties and coordination problems with moving to a shared ledger system. The organization argues that the use of the existing components of the financial system, which are already integrated, can eliminate market concentration risks. It outlines a practical approach to the implementation of shared ledgers by improving existing platforms and methods to bring rich, structured data quickly.

應對採用的挑戰 SWIFT 認識到轉向共享帳本系統的困難和協調問題。該組織認為，使用已經整合的金融體系現有組成部分可以消除市場集中風險。它概述了透過改進現有平台和方法來快速提供豐富的結構化資料來實施共享帳本的實用方法。

This method would enable the significance of secure financial messaging services such as those offered by SWIFT to remain in the communication and execution of transactions in a tokenized world.

這種方法將使安全金融訊息服務（例如 SWIFT 提供的服務）在代幣化世界中的交易通訊和執行中發揮重要作用。

By advocating for a place within tokenized payment systems, SWIFT seeks to merge the gap that exists between traditional banking transactions and the new digital financial infrastructure that is gaining popularity. In their proposal of a model consisting of a messaging layer and shared ledger technology, SWIFT aims to address the industry’s need for an innovative and dependable system.

透過倡導在代幣化支付系統中佔有一席之地，SWIFT 尋求彌合傳統銀行交易與日益普及的新型數位金融基礎設施之間存在的差距。 SWIFT 提出了一個由訊息傳遞層和共享帳本技術組成的模型，旨在滿足業界對創新且可靠的系統的需求。

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