<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>摩根大通與新加坡的星展銀行啓動了一種新的跨鏈模型，使機構客户能夠在多個區塊鏈網絡之間移動代幣化存款，包括許可系統和公共鏈。</p>
<p>這一舉措建立了一個框架，以同步全球兩家區塊鏈活躍銀行之間的數字結算基礎設施，並標誌着機構金融中可編程和互操作性貨幣形式的更大轉變。</p>
<p>該系統於週二宣佈，將摩根大通的 Kinexys 數字支付平台與星展銀行的代幣服務連接起來。</p>
<p>這使得兩家銀行的區塊鏈環境之間的代幣化存款能夠實時結算，而無需使用傳統的清算系統，如 SWIFT 或中央銀行運營的通道。</p>
<p>銀行們不僅僅是數字化支付，而是創建了一個橋樑，將孤立的系統連接起來，以促進機構數字貨幣的互聯架構。</p>
<h2>區塊鏈基礎設施變得互操作</h2>
<p>兩家銀行已經允許客户在封閉的區塊鏈系統內使用代幣化存款。</p>
<p>新模型連接了這些內部環境，將孤立的區塊鏈通道轉變為跨機構的金融價值走廊。</p>
<p>這一舉措尤其重要，因為它以合規和受控的方式將許可銀行區塊鏈與公共網絡集成在一起。</p>
<p>在實踐中，摩根大通的客户可以使用在 Coinbase 的 Base 區塊鏈上發行的美元存款代幣，作為對星展銀行客户的支付。</p>
<p>該客户隨後可以選擇將代幣兑換成現金，或將其保留在星展銀行的代幣服務系統內。</p>
<p>這一流程在私有和公共區塊鏈之間創造了互操作性，表明機構級區塊鏈基礎設施不再需要保持碎片化。</p>
<h2>企業採用從概念驗證轉向執行</h2>
<p>這一舉措緊隨摩根大通早期進入去中心化金融基礎設施的步伐。</p>
<p>它最近在 Base 區塊鏈上發行了一種存款代幣，標誌着主要銀行首次在機構金融中使用公共區塊鏈作為數字現金等價物。</p>
<p>這一新的跨鏈框架正式化了這些努力，並將其轉變為運營支付通道。</p>
<p>該模型旨在維護跨區塊鏈的 “貨幣單一性”，這意味着存款代幣在其所經過的賬本上保持其價值和合法性。</p>
<p>實現這種一致性不僅需要智能合約的互操作性，還需要符合傳統系統標準的監管和金融保障。</p>
<p>這一整合還表明，銀行並不僅僅是在探索內部優化的代幣化。</p>
<p>他們現在正在創建框架，使代幣化貨幣在外部支付、結算和大規模財務操作中變得可行。</p>
<h2>全球趨勢加速代幣化銀行</h2>
<p>國際清算銀行（BIS）報告稱，全球近三分之一的銀行正在探索或已經啓動代幣化存款系統。</p>
<p>這一統計數據反映了機構對與銀行餘額掛鈎並能夠即時結算的數字貨幣形式日益增長的信心。</p>
<p>摩根大通與星展銀行的舉措超越了單個銀行的試點，展示了多銀行、跨境執行的能力。</p>
<p>這兩家銀行分別在受監管的環境中運營，紐約和新加坡，數字資產政策迅速發展，以適應傳統金融邊界內的區塊鏈創新。</p>
<h2>傳統通道讓位於區塊鏈走廊</h2>
<p>直到最近，機構領域的區塊鏈金融仍然侷限於內部系統，實際使用有限。</p>
<p>大多數項目專注於內部效率或概念驗證試點。這個模型標誌着一種變化。</p>
<p>Kinexys 與星展銀行代幣服務的連接取代了對傳統通道的依賴，形成了可以與現有系統並行運行甚至最終取而代之的數字走廊。</p>
<p>這一基礎設施使得一種可編程的貨幣形式得以實現，保留了法定貨幣的監管地位和金融可靠性，同時獲得了區塊鏈技術的速度、透明度和靈活性。</p>
<p>金融機構現在可以在不同的地理位置、時區和網絡之間進行結算，而無需等待清算所或傳統的批量系統。</p>
<p>在一個越來越以實時期望和數字原生資產為特徵的市場中，向區塊鏈互操作性的轉變標誌着機構資金流動方式的根本變化。</p>
<p>代幣化存款不再是孤立的實驗。它們正在成為金融結算下一階段的基礎設施。</p>
<p>代幣化貨幣跨越國界，摩根大通與星展銀行連接區塊鏈通道的文章首發於 Invezz。</p>

星展集團控股

星展集團(ADR)

摩根大通

<p>摩根大通和星展銀行推出了一種跨鏈模型，使機構客户能夠在各種區塊鏈網絡之間轉移代幣化存款。該舉措將摩根大通的 Kinexys 數字支付平台與星展銀行的代幣服務連接起來，實現了無需傳統清算系統的實時結算。該模型增強了私有區塊鏈和公有區塊鏈之間的互操作性，允許無縫交易。這一發展反映了代幣化銀行業務的全球趨勢，許多銀行正在探索類似的系統，標誌着機構金融向可編程和互聯數字貨幣的重要轉變</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>摩根大通與新加坡的星展銀行啓動了一種新的跨鏈模型，使機構客户能夠在多個區塊鏈網絡之間移動代幣化存款，包括許可系統和公共鏈。</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>這一舉措建立了一個框架，以同步全球兩家區塊鏈活躍銀行之間的數字結算基礎設施，並標誌着機構金融中可編程和互操作性貨幣形式的更大轉變。</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>該系統於週二宣佈，將摩根大通的 Kinexys 數字支付平台與星展銀行的代幣服務連接起來。</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>這使得兩家銀行的區塊鏈環境之間的代幣化存款能夠實時結算，而無需使用傳統的清算系統，如 SWIFT 或中央銀行運營的通道。</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>銀行們不僅僅是數字化支付，而是創建了一個橋樑，將孤立的系統連接起來，以促進機構數字貨幣的互聯架構。</p>
</div><h2>Blockchain infrastructure becomes interoperable</h2>
<div class="lb-trans"><h2>區塊鏈基礎設施變得互操作</h2>
</div><p>Both banks already allow their clients to use tokenised deposits within closed-loop blockchain systems.</p>
<div class="lb-trans"><p>兩家銀行已經允許客户在封閉的區塊鏈系統內使用代幣化存款。</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>新模型連接了這些內部環境，將孤立的區塊鏈通道轉變為跨機構的金融價值走廊。</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>這一舉措尤其重要，因為它以合規和受控的方式將許可銀行區塊鏈與公共網絡集成在一起。</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>在實踐中，摩根大通的客户可以使用在 Coinbase 的 Base 區塊鏈上發行的美元存款代幣，作為對星展銀行客户的支付。</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>該客户隨後可以選擇將代幣兑換成現金，或將其保留在星展銀行的代幣服務系統內。</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>這一流程在私有和公共區塊鏈之間創造了互操作性，表明機構級區塊鏈基礎設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>企業採用從概念驗證轉向執行</h2>
</div><p>The move follows JPMorgan’s earlier steps into decentralised finance infrastructure.</p>
<div class="lb-trans"><p>這一舉措緊隨摩根大通早期進入去中心化金融基礎設施的步伐。</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 區塊鏈上發行了一種存款代幣，標誌着主要銀行首次在機構金融中使用公共區塊鏈作為數字現金等價物。</p>
</div><p>This new cross-chain framework formalises those efforts and turns them into operational payment rails.</p>
<div class="lb-trans"><p>這一新的跨鏈框架正式化了這些努力，並將其轉變為運營支付通道。</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>該模型旨在維護跨區塊鏈的 “貨幣單一性”，這意味着存款代幣在其所經過的賬本上保持其價值和合法性。</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>實現這種一致性不僅需要智能合約的互操作性，還需要符合傳統系統標準的監管和金融保障。</p>
</div><p>The integration also shows that banks are not simply exploring tokenisation for internal optimisation.</p>
<div class="lb-trans"><p>這一整合還表明，銀行並不僅僅是在探索內部優化的代幣化。</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>他們現在正在創建框架，使代幣化貨幣在外部支付、結算和大規模財務操作中變得可行。</p>
</div><h2>Global trend accelerates in tokenised banking</h2>
<div class="lb-trans"><h2>全球趨勢加速代幣化銀行</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>國際清算銀行（BIS）報告稱，全球近三分之一的銀行正在探索或已經啓動代幣化存款系統。</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>這一統計數據反映了機構對與銀行餘額掛鈎並能夠即時結算的數字貨幣形式日益增長的信心。</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>摩根大通與星展銀行的舉措超越了單個銀行的試點，展示了多銀行、跨境執行的能力。</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>這兩家銀行分別在受監管的環境中運營，紐約和新加坡，數字資產政策迅速發展，以適應傳統金融邊界內的區塊鏈創新。</p>
</div><h2>Traditional rails give way to blockchain corridors</h2>
<div class="lb-trans"><h2>傳統通道讓位於區塊鏈走廊</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，機構領域的區塊鏈金融仍然侷限於內部系統，實際使用有限。</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>大多數項目專注於內部效率或概念驗證試點。這個模型標誌着一種變化。</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 與星展銀行代幣服務的連接取代了對傳統通道的依賴，形成了可以與現有系統並行運行甚至最終取而代之的數字走廊。</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>這一基礎設施使得一種可編程的貨幣形式得以實現，保留了法定貨幣的監管地位和金融可靠性，同時獲得了區塊鏈技術的速度、透明度和靈活性。</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>金融機構現在可以在不同的地理位置、時區和網絡之間進行結算，而無需等待清算所或傳統的批量系統。</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>在一個越來越以實時期望和數字原生資產為特徵的市場中，向區塊鏈互操作性的轉變標誌着機構資金流動方式的根本變化。</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>代幣化存款不再是孤立的實驗。它們正在成為金融結算下一階段的基礎設施。</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>代幣化貨幣跨越國界，摩根大通與星展銀行連接區塊鏈通道的文章首發於 Invezz。</p>
</div>

隨着摩根大通和星展集團連接區塊鏈網絡，代幣化貨幣實現無國界化