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.

全球银行间金融电信协会 (SWIFT) 最近阐明了与代币化未来整合的愿景，强调了消息传递层在代币化支付系统中的关键作用。这种方法旨在将 SWIFT 报文服务的坚实优势与共享账本技术的创造潜力融为一体。

CB⚡DC DAILY: 🤘🏼#Swift promotes the concept of a universal shared ledger. But based on messaging

CB⚡DC DAILY：🤘🏼#Swift 推广了通用共享账本的概念。但基于消息传递

I respect Swift, but the future will not look like the past.#CBDC #FinTech@efipm@Kiffmeister@sonjadav@Jonas__Gross@conrad_kraft@JoshuaLipskyhttps://t.co/lo2fPfBicK

我尊重 Swift，但未来不会像过去那样。#CBDC #FinTech@efipm@Kiffmeister@sonjadav@Jonas__Gross@conrad_kraft@JoshuaLipsky https://t.co/lo2fPfBicK

— Richard Turrin (@richardturrin) March 22, 2024

— 理查德·图林 (@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 对代币化和共享账本的立场SWIFT 观察到金融科技的快速进步，特别是在代币化和共享账本模型的开发领域。因此，该组织认识到共享基础设施能够向共享账本中的所有参与者提供实时余额更新。

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 也强调了共享账本在处理海量数据方面的缺点。这一限制表明需要一个能够支持交易和数据密集型现代金融服务的消息传递层，包括合规性、反洗钱 (AML) 措施和制裁筛查。

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.

报文在统一分类账中的作用 SWIFT 的提议提供了一个机会，可以利用其已有的 ISO-20022 报文技术作为新型支付模型的基础，该模型融合了集中式和分散式系统的优点。该模型假设一个状态机可以动态镜像多个机构内的交易和余额状态，也就是说，可能构建在区块链技术或集中式平台（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.

这种混合方法旨在实现向代币化支付系统的平稳切换，同时也满足监管需求和金融交易的有效处理。

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.

应对采用的挑战 SWIFT 认识到转向共享账本系统的困难和协调问题。该组织认为，使用已经整合的金融体系现有组成部分可以消除市场集中风险。它概述了通过改进现有平台和方法来快速提供丰富的结构化数据来实施共享账本的实用方法。

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.

这种方法将使安全金融消息服务（例如 SWIFT 提供的服务）在代币化世界中的交易通信和执行中发挥重要作用。

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. 

通过倡导在代币化支付系统中占据一席之地，SWIFT 寻求弥合传统银行交易与日益普及的新型数字金融基础设施之间存在的差距。 SWIFT 提出了一个由消息传递层和共享账本技术组成的模型，旨在满足行业对创新且可靠的系统的需求。

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