<p><img src="https://imageproxy.pbkrs.com/https://invezz.com/wp-content/uploads/2025/11/20251111_1633_Blockchain-Money-Connection_simple_compose_01k9s96mydepc9fn5ayt7hfbjm.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://invezz.com/wp-content/uploads/2025/11/20251111_1633_Blockchain-Money-Connection_simple_compose_01k9s96mydepc9fn5ayt7hfbjm.png"/></p>
<p>摩根大通与新加坡的星展银行启动了一种新的跨链模型，使机构客户能够在多个区块链网络之间移动代币化存款，包括许可系统和公共链。</p>
<p>这一举措建立了一个框架，以同步全球两家区块链活跃银行之间的数字结算基础设施，并标志着机构金融中可编程和互操作性货币形式的更大转变。</p>
<p>该系统于周二宣布，将摩根大通的 Kinexys 数字支付平台与星展银行的代币服务连接起来。</p>
<p>这使得两家银行的区块链环境之间的代币化存款能够实时结算，而无需使用传统的清算系统，如 SWIFT 或中央银行运营的通道。</p>
<p>银行们不仅仅是数字化支付，而是创建了一个桥梁，将孤立的系统连接起来，以促进机构数字货币的互联架构。</p>
<h2>区块链基础设施变得互操作</h2>
<p>两家银行已经允许客户在封闭的区块链系统内使用代币化存款。</p>
<p>新模型连接了这些内部环境，将孤立的区块链通道转变为跨机构的金融价值走廊。</p>
<p>这一举措尤其重要，因为它以合规和受控的方式将许可银行区块链与公共网络集成在一起。</p>
<p>在实践中，摩根大通的客户可以使用在 Coinbase 的 Base 区块链上发行的美元存款代币，作为对星展银行客户的支付。</p>
<p>该客户随后可以选择将代币兑换成现金，或将其保留在星展银行的代币服务系统内。</p>
<p>这一流程在私有和公共区块链之间创造了互操作性，表明机构级区块链基础设施不再需要保持碎片化。</p>
<h2>企业采用从概念验证转向执行</h2>
<p>这一举措紧随摩根大通早期进入去中心化金融基础设施的步伐。</p>
<p>它最近在 Base 区块链上发行了一种存款代币，标志着主要银行首次在机构金融中使用公共区块链作为数字现金等价物。</p>
<p>这一新的跨链框架正式化了这些努力，并将其转变为运营支付通道。</p>
<p>该模型旨在维护跨区块链的 “货币单一性”，这意味着存款代币在其所经过的账本上保持其价值和合法性。</p>
<p>实现这种一致性不仅需要智能合约的互操作性，还需要符合传统系统标准的监管和金融保障。</p>
<p>这一整合还表明，银行并不仅仅是在探索内部优化的代币化。</p>
<p>他们现在正在创建框架，使代币化货币在外部支付、结算和大规模财务操作中变得可行。</p>
<h2>全球趋势加速代币化银行</h2>
<p>国际清算银行（BIS）报告称，全球近三分之一的银行正在探索或已经启动代币化存款系统。</p>
<p>这一统计数据反映了机构对与银行余额挂钩并能够即时结算的数字货币形式日益增长的信心。</p>
<p>摩根大通与星展银行的举措超越了单个银行的试点，展示了多银行、跨境执行的能力。</p>
<p>这两家银行分别在受监管的环境中运营，纽约和新加坡，数字资产政策迅速发展，以适应传统金融边界内的区块链创新。</p>
<h2>传统通道让位于区块链走廊</h2>
<p>直到最近，机构领域的区块链金融仍然局限于内部系统，实际使用有限。</p>
<p>大多数项目专注于内部效率或概念验证试点。这个模型标志着一种变化。</p>
<p>Kinexys 与星展银行代币服务的连接取代了对传统通道的依赖，形成了可以与现有系统并行运行甚至最终取而代之的数字走廊。</p>
<p>这一基础设施使得一种可编程的货币形式得以实现，保留了法定货币的监管地位和金融可靠性，同时获得了区块链技术的速度、透明度和灵活性。</p>
<p>金融机构现在可以在不同的地理位置、时区和网络之间进行结算，而无需等待清算所或传统的批量系统。</p>
<p>在一个越来越以实时期望和数字原生资产为特征的市场中，向区块链互操作性的转变标志着机构资金流动方式的根本变化。</p>
<p>代币化存款不再是孤立的实验。它们正在成为金融结算下一阶段的基础设施。</p>
<p>代币化货币跨越国界，摩根大通与星展银行连接区块链通道的文章首发于 Invezz。</p>

星展集团控股

星展集团(ADR)

摩根大通

<p>摩根大通和星展银行推出了一种跨链模型，使机构客户能够在各种区块链网络之间转移代币化存款。该举措将摩根大通的 Kinexys 数字支付平台与星展银行的代币服务连接起来，实现了无需传统清算系统的实时结算。该模型增强了私有区块链和公有区块链之间的互操作性，允许无缝交易。这一发展反映了代币化银行业务的全球趋势，许多银行正在探索类似的系统，标志着机构金融向可编程和互联数字货币的重要转变</p>

<p><img src="https://imageproxy.pbkrs.com/https://invezz.com/wp-content/uploads/2025/11/20251111_1633_Blockchain-Money-Connection_simple_compose_01k9s96mydepc9fn5ayt7hfbjm.png" alt="" original-src="https://invezz.com/wp-content/uploads/2025/11/20251111_1633_Blockchain-Money-Connection_simple_compose_01k9s96mydepc9fn5ayt7hfbjm.png"/></p>
<p>JPMorgan and Singapore’s DBS Bank have initiated a new cross-chain model that lets institutional clients move tokenised deposits across multiple blockchain networks, including both permissioned systems and public chains.</p>
<div class="lb-trans"><p>摩根大通与新加坡的星展银行启动了一种新的跨链模型，使机构客户能够在多个区块链网络之间移动代币化存款，包括许可系统和公共链。</p>
</div><p>This initiative establishes a framework to synchronise digital settlement infrastructure between two of the world’s most blockchain-active banks, and it signals a larger shift towards programmable and interoperable forms of money in institutional finance.</p>
<div class="lb-trans"><p>这一举措建立了一个框架，以同步全球两家区块链活跃银行之间的数字结算基础设施，并标志着机构金融中可编程和互操作性货币形式的更大转变。</p>
</div><p>Announced on Tuesday, the system links JPMorgan’s Kinexys Digital Payments platform with DBS Token Services.</p>
<div class="lb-trans"><p>该系统于周二宣布，将摩根大通的 Kinexys 数字支付平台与星展银行的代币服务连接起来。</p>
</div><p>This allows for real-time settlement of tokenised deposits between the two banks’ blockchain environments, without the use of conventional clearing systems such as SWIFT or central bank-operated rails.</p>
<div class="lb-trans"><p>这使得两家银行的区块链环境之间的代币化存款能够实时结算，而无需使用传统的清算系统，如 SWIFT 或中央银行运营的通道。</p>
</div><p>Instead of merely digitising payments, the banks are creating a bridge between isolated systems to foster an interconnected architecture for institutional digital money.</p>
<div class="lb-trans"><p>银行们不仅仅是数字化支付，而是创建了一个桥梁，将孤立的系统连接起来，以促进机构数字货币的互联架构。</p>
</div><h2>Blockchain infrastructure becomes interoperable</h2>
<div class="lb-trans"><h2>区块链基础设施变得互操作</h2>
</div><p>Both banks already allow their clients to use tokenised deposits within closed-loop blockchain systems.</p>
<div class="lb-trans"><p>两家银行已经允许客户在封闭的区块链系统内使用代币化存款。</p>
</div><p>The new model connects those internal environments, turning siloed blockchain rails into a cross-institutional corridor for financial value.</p>
<div class="lb-trans"><p>新模型连接了这些内部环境，将孤立的区块链通道转变为跨机构的金融价值走廊。</p>
</div><p>This step is particularly significant because it integrates permissioned bank blockchains with public networks in a compliant and controlled manner.</p>
<div class="lb-trans"><p>这一举措尤其重要，因为它以合规和受控的方式将许可银行区块链与公共网络集成在一起。</p>
</div><p>In practice, a JPMorgan client can use a USD deposit token issued on Coinbase’s Base blockchain, a layer-2 Ethereum network, to pay a DBS client.</p>
<div class="lb-trans"><p>在实践中，摩根大通的客户可以使用在 Coinbase 的 Base 区块链上发行的美元存款代币，作为对星展银行客户的支付。</p>
</div><p>That client can then either redeem the token for cash or retain it within DBS’s token services system.</p>
<div class="lb-trans"><p>该客户随后可以选择将代币兑换成现金，或将其保留在星展银行的代币服务系统内。</p>
</div><p>This flow creates interoperability between private and public blockchains, demonstrating that institutional-grade blockchain infrastructure no longer needs to remain fragmented.</p>
<div class="lb-trans"><p>这一流程在私有和公共区块链之间创造了互操作性，表明机构级区块链基础设施不再需要保持碎片化。</p>
</div><h2>Enterprise adoption shifts from proof-of-concept to execution</h2>
<div class="lb-trans"><h2>企业采用从概念验证转向执行</h2>
</div><p>The move follows JPMorgan’s earlier steps into decentralised finance infrastructure.</p>
<div class="lb-trans"><p>这一举措紧随摩根大通早期进入去中心化金融基础设施的步伐。</p>
</div><p>It recently issued a deposit token on the Base blockchain, marking one of the first times a major bank has used a public blockchain for digital cash equivalents in institutional finance.</p>
<div class="lb-trans"><p>它最近在 Base 区块链上发行了一种存款代币，标志着主要银行首次在机构金融中使用公共区块链作为数字现金等价物。</p>
</div><p>This new cross-chain framework formalises those efforts and turns them into operational payment rails.</p>
<div class="lb-trans"><p>这一新的跨链框架正式化了这些努力，并将其转变为运营支付通道。</p>
</div><p>The model is designed to uphold the “singleness of money” across blockchains, meaning a deposit token maintains its value and legitimacy regardless of which ledger it traverses.</p>
<div class="lb-trans"><p>该模型旨在维护跨区块链的 “货币单一性”，这意味着存款代币在其所经过的账本上保持其价值和合法性。</p>
</div><p>Achieving this level of consistency requires not only smart contract interoperability but also regulatory and financial safeguards that match the standards of the traditional system.</p>
<div class="lb-trans"><p>实现这种一致性不仅需要智能合约的互操作性，还需要符合传统系统标准的监管和金融保障。</p>
</div><p>The integration also shows that banks are not simply exploring tokenisation for internal optimisation.</p>
<div class="lb-trans"><p>这一整合还表明，银行并不仅仅是在探索内部优化的代币化。</p>
</div><p>They are now creating frameworks that make tokenised money viable for external payments, settlements, and treasury operations at scale.</p>
<div class="lb-trans"><p>他们现在正在创建框架，使代币化货币在外部支付、结算和大规模财务操作中变得可行。</p>
</div><h2>Global trend accelerates in tokenised banking</h2>
<div class="lb-trans"><h2>全球趋势加速代币化银行</h2>
</div><p>The Bank for International Settlements (BIS) has reported that nearly one-third of banks around the world are exploring or have already initiated tokenised deposit systems.</p>
<div class="lb-trans"><p>国际清算银行（BIS）报告称，全球近三分之一的银行正在探索或已经启动代币化存款系统。</p>
</div><p>This statistic reflects growing institutional confidence in digital forms of money that are anchored to bank balances and can be settled instantly.</p>
<div class="lb-trans"><p>这一统计数据反映了机构对与银行余额挂钩并能够即时结算的数字货币形式日益增长的信心。</p>
</div><p>The JPMorgan and DBS initiative goes beyond individual bank pilots by demonstrating multi-bank, cross-border execution.</p>
<div class="lb-trans"><p>摩根大通与星展银行的举措超越了单个银行的试点，展示了多银行、跨境执行的能力。</p>
</div><p>The two banks are operating in regulated environments, New York and Singapore respectively, where digital asset policy has evolved rapidly to accommodate blockchain innovation within traditional financial boundaries.</p>
<div class="lb-trans"><p>这两家银行分别在受监管的环境中运营，纽约和新加坡，数字资产政策迅速发展，以适应传统金融边界内的区块链创新。</p>
</div><h2>Traditional rails give way to blockchain corridors</h2>
<div class="lb-trans"><h2>传统通道让位于区块链走廊</h2>
</div><p>Until recently, blockchain-based finance in the institutional sector remained confined to internal systems with limited real-world usage.</p>
<div class="lb-trans"><p>直到最近，机构领域的区块链金融仍然局限于内部系统，实际使用有限。</p>
</div><p>Most projects focused on internal efficiency or proof-of-concept pilots. This model signals a change.</p>
<div class="lb-trans"><p>大多数项目专注于内部效率或概念验证试点。这个模型标志着一种变化。</p>
</div><p>The linkage between Kinexys and DBS Token Services replaces dependence on legacy rails with digital corridors that can operate in parallel to, or eventually even replace, existing systems.</p>
<div class="lb-trans"><p>Kinexys 与星展银行代币服务的连接取代了对传统通道的依赖，形成了可以与现有系统并行运行甚至最终取而代之的数字走廊。</p>
</div><p>This infrastructure enables a programmable form of money that retains the regulatory status and financial reliability of fiat while gaining the speed, transparency, and flexibility of blockchain technology.</p>
<div class="lb-trans"><p>这一基础设施使得一种可编程的货币形式得以实现，保留了法定货币的监管地位和金融可靠性，同时获得了区块链技术的速度、透明度和灵活性。</p>
</div><p>Financial institutions can now settle across geographies, time zones, and networks without waiting for clearinghouses or traditional batch systems.</p>
<div class="lb-trans"><p>金融机构现在可以在不同的地理位置、时区和网络之间进行结算，而无需等待清算所或传统的批量系统。</p>
</div><p>In a market increasingly defined by real-time expectations and digital-native assets, the shift towards blockchain interoperability marks a foundational change in how institutional money moves.</p>
<div class="lb-trans"><p>在一个越来越以实时期望和数字原生资产为特征的市场中，向区块链互操作性的转变标志着机构资金流动方式的根本变化。</p>
</div><p>Tokenised deposits are no longer isolated experiments. They are becoming the infrastructure beneath the next phase of financial settlements.</p>
<div class="lb-trans"><p>代币化存款不再是孤立的实验。它们正在成为金融结算下一阶段的基础设施。</p>
</div><p>The post Tokenised money goes borderless as JPMorgan, DBS connect blockchain rails appeared first on Invezz</p>
<div class="lb-trans"><p>代币化货币跨越国界，摩根大通与星展银行连接区块链通道的文章首发于 Invezz。</p>
</div>

随着摩根大通和星展集团连接区块链网络，代币化货币实现无国界化