<p>据报道，美国主要银行计划在 2027 年上半年尽快推出一个代币化存款网络，这是华尔街将区块链融入传统金融的最新努力。</p>
<p>根据《华尔街日报》周四的报道，该网络预计将由清算所运营，清算所是一家由包括摩根大通、美国银行、花旗、富国银行等主要银行组成的财团拥有的私营支付公司。</p>
<p>该计划中的平台——被一些银行称为 “桥梁”，而被其他银行称为 “链”——将使代币化存款能够即时转移，并支持全天候结算。</p>
<p>清算所首席执行官大卫·沃森告诉《华尔街日报》，这一举措标志着银行的 “重大举动”，并补充说，行业面临着一个围绕链上支付和金融构建的 “截然不同” 的未来。</p>
<p><strong>早期客户</strong></p>
<p>该网络的早期用户预计将是寻求简化支付和财务操作的大型全球公司。报告称，该平台可能支持 24/7 的流动性转移、跨境支付和财务管理。</p>
<p>该举措是主要银行持续推进代币化的一部分。2025 年 11 月，摩根大通正式向机构客户推出了以美元计价的存款代币 JPM Coin，基于 Layer 2 平台，经过数月的测试。</p>
<p>最近，在 1 月份，BNY 为机构客户推出了一项代币化存款服务，创建了客户在银行持有的存款的区块链表示。</p>
<p>新加坡的 DBS 和摩根大通的 Kinexys 也在 11 月宣布，他们正在开发一个互操作性框架，以促进其链上生态系统之间的代币化存款转移。</p>
<p>The Block 已联系清算所、摩根大通、美国银行、花旗和富国银行以获取评论。</p>
<p>免责声明：The Block 是一个独立的媒体机构，提供新闻、研究和数据。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投资者。Foresight Ventures 还投资于加密领域的其他公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合伙人。The Block 继续独立运营，提供关于加密行业的客观、影响力和及时的信息。以下是我们当前的财务披露。</p>
<p>© 2026 The Block. 保留所有权利。本文仅供信息参考，不构成法律、税务、投资、金融或其他建议。</p>

摩根大通

花旗

<p>一个由主要美国银行组成的财团，包括摩根大通和花旗，计划在 2027 年初推出一个由清算所运营的代币化存款网络。该平台旨在为机构客户提供即时、全天候的结算，支持跨境支付和财务管理。此举反映了华尔街更广泛的努力，即将区块链技术融入传统金融</p>

<p>Major U.S. banks reportedly plan to launch a tokenized deposit network as soon as the first half of 2027, in Wall Street's latest effort to integrate blockchain into traditional finance.</p>
<div class="lb-trans"><p>据报道，美国主要银行计划在 2027 年上半年尽快推出一个代币化存款网络，这是华尔街将区块链融入传统金融的最新努力。</p>
</div><p>According to a Thursday report from the Wall Street Journal, the network is expected to be operated by the Clearing House, a private-sector payments company owned by a consortium of major banks, including JPMorgan Chase, Bank of America, Citigroup, Wells Fargo, and others.</p>
<div class="lb-trans"><p>根据《华尔街日报》周四的报道，该网络预计将由清算所运营，清算所是一家由包括摩根大通、美国银行、花旗、富国银行等主要银行组成的财团拥有的私营支付公司。</p>
</div><p>The planned platform — dubbed as &#34;the bridge&#34; by some banks and &#34;the chain&#34; by others — would enable tokenized deposits to move instantly and support around-the-clock settlement.</p>
<div class="lb-trans"><p>该计划中的平台——被一些银行称为 “桥梁”，而被其他银行称为 “链”——将使代币化存款能够即时转移，并支持全天候结算。</p>
</div><p>Clearing House CEO David Watson told the WSJ that the initiative marks a &#34;big move for the banks,&#34; adding that the industry faces a &#34;radically different&#34; future built around onchain payments and finance.</p>
<div class="lb-trans"><p>清算所首席执行官大卫·沃森告诉《华尔街日报》，这一举措标志着银行的 “重大举动”，并补充说，行业面临着一个围绕链上支付和金融构建的 “截然不同” 的未来。</p>
</div><p><strong>Early customers</strong></p>
<div class="lb-trans"><p><strong>早期客户</strong></p>
</div><p>The network's early users are expected to be large global companies seeking to streamline payments and treasury operations. The platform could support 24/7 liquidity movement, cross-border payments, and treasury management, the report said.</p>
<div class="lb-trans"><p>该网络的早期用户预计将是寻求简化支付和财务操作的大型全球公司。报告称，该平台可能支持 24/7 的流动性转移、跨境支付和财务管理。</p>
</div><p>The initiative is part of an ongoing tokenization push by major banks. In November 2025, JPMorgan officially launched its USD-denominated deposit token JPM Coin to institutional clients on Base Layer 2, following months of testing.</p>
<div class="lb-trans"><p>该举措是主要银行持续推进代币化的一部分。2025 年 11 月，摩根大通正式向机构客户推出了以美元计价的存款代币 JPM Coin，基于 Layer 2 平台，经过数月的测试。</p>
</div><p>More recently, in January, BNY launched a tokenized deposit service for institutional clients, creating a blockchain-based representation of client deposits held at the bank.</p>
<div class="lb-trans"><p>最近，在 1 月份，BNY 为机构客户推出了一项代币化存款服务，创建了客户在银行持有的存款的区块链表示。</p>
</div><p>Singapore's DBS and Kinexys by J.P. Morgan also announced in November that they are developing an interoperability framework to facilitate tokenized deposit transfers between their onchain ecosystems.</p>
<div class="lb-trans"><p>新加坡的 DBS 和摩根大通的 Kinexys 也在 11 月宣布，他们正在开发一个互操作性框架，以促进其链上生态系统之间的代币化存款转移。</p>
</div><p>The Block has reached out to the Clearing House, JPMorgan Chase, Bank of America, Citigroup, and Wells Fargo for comment.</p>
<div class="lb-trans"><p>The Block 已联系清算所、摩根大通、美国银行、花旗和富国银行以获取评论。</p>
</div><p>Disclaimer: The Block is an independent media outlet that delivers news, research, and data. As of November 2023, Foresight Ventures is a majority investor of The Block. Foresight Ventures invests in other companies in the crypto space. Crypto exchange Bitget is an anchor LP for Foresight Ventures. The Block continues to operate independently to deliver objective, impactful, and timely information about the crypto industry. Here are our current financial disclosures.</p>
<div class="lb-trans"><p>免责声明：The Block 是一个独立的媒体机构，提供新闻、研究和数据。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投资者。Foresight Ventures 还投资于加密领域的其他公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合伙人。The Block 继续独立运营，提供关于加密行业的客观、影响力和及时的信息。以下是我们当前的财务披露。</p>
</div><p>© 2026 The Block. All Rights Reserved. This article is provided for informational purposes only. It is not offered or intended to be used as legal, tax, investment, financial, or other advice.</p>
<div class="lb-trans"><p>© 2026 The Block. 保留所有权利。本文仅供信息参考，不构成法律、税务、投资、金融或其他建议。</p>
</div>

JPMorgan, Citi-backed consortium plans to launch tokenized deposit network in early 2027: WSJ

The Block

Defiance Daily Target 2X Long JPM ETF

美国银行

富国银行

纽约梅隆银行

星展集团控股

JPMORGAN CHASE & CO. 4.20% DEP SHS REPSTG 1/400TH PFD SER MM

JPMORGAN CHASE & CO. 6%NON CUM DEP SHS REP 1/400TH PFD SER EE

JPMORGAN CHASE & CO. DEP REP 1/400TH (5.75% NON CUM PFD DD)

JPMORGAN CHASE & CO. 4.625% DEP SH RE 1/400TH INT NO CU PF LL

JPMorgan Chase & Co.

JPMORGAN CHASE & CO. 4.55% DEP SHS REPSTG 1/400TH PFD SER JJ

JPMORGAN CHASE & CO. 4.75 DEP SHS REP 1/400 NCUM PFD SR GG

CITIGROUP INC 6.250 NON CUM SER II PFD WI

BANK OF AMERICA CORPORATION DEP SHS REP 1/1000TH INT NON CUM PFD QQ

BANK OF AMERICA CORPORATION DEP SHS REP 1/1200TH PRF SERIES '5'

BANK OF AMERICA CORPORATION 7.25% NON-CUM PERP CONV PFD SER L

BANK OF AMERICA CORPORATION 5.875%NON CUM DEP SHS REP1/1000TH SER HH

BANK OF AMERICA CORPORATION DEP SHS REP 1/1200TH PRF SERIES '2'

BANK OF AMERICA CORPORATION 5% DEP SHS REPR 1/1000TH NON CUM PFD LL

BANK OF AMERICA CORPORATION DEP SHARES REP 1/1000TH PERP PFD SER 'E'

BANK OF AMERICA CORPORATION INCOME CAPITAL OBLIG NTS DUE 15/12/2066

BANK OF AMERICA CORPORATION 4.375% DP SH RP 1/1000TH IN NON CU PF NN

BANK OF AMERICA CORPORATION DEP SH REP 1/1200TH PRF SER 1 USD25

BANK OF AMERICA CORPORATION 5.375%DEP SHS REP 1/1000TH NON CUM SR KK

BANK OF AMERICA CORPORATION 6%NON CUM DEP SHS EACH REP 1/1000 SER GG

BANK OF AMERICA CORPORATION DEP SHS REP 1/1200 PFD SER 4 USD25

BANK OF AMERICA CORPORATION DEP SHS REP 1/1000TH NON CUM PFD SER SS

BANK OF AMERICA CORPORATION 4.125%DEP SH REP 1/1000 PFD SER PP USD25

Bank of America Corp

WELLS FARGO & COMPANY DP SHS REP 1/1000TH INT NCUM PFD CL A DD

WELLS FARGO & COMPANY 7.5% PERP CONV PRF CLS 'A' SERIES 'L'

WELLS FARGO & COMPANY DEP SHS REP 1/1000 INT PER PFD SER Y A

WELLS FARGO & COMPANY DP SHS REP 1/1000TH INT NCUM PFD CL A CC

WELLS FARGO & COMPANY 4.75% DEP SHS 1/1000 NCUM PFD CL A SR Z

WELLS FARGO & COMPANY DEP SHS REP 1/1000TH INT PFD SR AA (CLA)

BANK OF NEW YORK MELLON CORP DEP SHS REPG 1/4000TH INT SER K PFD

据《华尔街日报》报道，由摩根大通和花旗支持的财团计划在 2027 年初推出代币化存款网络