--- title: "獨家消息：滙豐將代幣化存款服務推廣至美國" type: "News" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/282564039.md" description: "滙豐正在將其代幣化存款服務擴展到美國，此前該服務已在香港、新加坡、盧森堡和英國提供。該服務允許企業在國內和國際賬户之間即時轉賬，並支持多種貨幣。滙豐旨在增強代幣化存款在跨境和客户之間的互操作性。該銀行正在積極開發數字資產產品，力求在這一領域成為領導者。未來的計劃包括使客户能夠將代幣化存款轉移到其他滙豐客户，並與全球私人支付網絡連接" datetime: "2026-04-13T15:02:19.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/282564039.md) - [en](https://longbridge.com/en/news/282564039.md) - [zh-HK](https://longbridge.com/zh-HK/news/282564039.md) --- # 獨家消息：滙豐將代幣化存款服務推廣至美國 **Key insights**: HSBC is expanding its tokenized deposit service to the U.S., which was already available in Hong Kong, Singapore, Luxembourg and the UK. **What's at stake**: Banks have been slow to roll out on-chain products as they wait to see which use cases will be the most in demand. **Forward look**: The move is the first cog in a wider plan to make tokenized deposits more interoperable across borders, and eventually, among clients. HSBC is making tokenized deposits available in the U.S. The $3.2 trillion-asset U.K.-based bank's tokenized deposit product allows corporations to move money between their domestic and international accounts, instantly and on-chain. The product is also available in Hong Kong, Singapore, Luxembourg and the U.K., and supports multiple currencies, including euros, U.S. dollars, pounds sterling, Singapore dollar, Hong Kong dollar, and onshore and offshore Chinese Yuan. "\[Our customers'\] businesses operate 365, 24/7. \[Payments\] need to operate in that same way as well as they become more global," Tom Halpin, HSBC's North America lead of Global Payments Solutions, told American Banker. "We have a unique proposition that we can do because of our ecosystem effect." HSBC operates in more than 50 countries. The expansion of the bank's tokenized deposit service comes as many banks play the waiting game as they decide where to make investments in on-chain products such as stablecoins or tokenized deposits. But some early movers have shown a penchant for tokenized deposits, according to American Banker research. HSBC is one of the most active banks in digital-asset product development among banks, according to an American Banker analysis of public statements made by the top 50 publicly traded banks. Citi and JPMorganChase are among the large banks that have deployed tokenized deposits. Tokenized deposits provide multiple benefits to multinational companies, Inderpreet Batra, a senior partner and managing director at BCG, told American Banker. "I can't go outside the bank, but within the bank, I can get a bunch of efficiencies. I can do automation," Batra said. "The other good thing about tokenized deposits is they are programmable, which means that I can create conditions that say, 'If my balance in a certain country drops below x, then move money, or this certain day I have this much payroll obligation, so move money exactly when I need to make payroll." While HSBC's tokenized deposit service only allows its clients to move money between their own accounts, Halpin said that the bank is next looking at making the service available for clients to move tokenized deposits to another HSBC client. "Our first ring is always customer to customer," Halpin said. "The next ring is our customer to a key counterpart on our network." Beyond that, HSBC wants to connect its network to other private networks, such as faster payments networks in different countries. "We also operate in 65 real-time payment systems around the world, so if we don't have an account with us on our books, in the future, we're going to be more so looking at, how do we take advantage of our presence globally to move to money where it's allowed over those private networks at the same pace," Halpin said. ### 相關股票 - [HSBC.US](https://longbridge.com/zh-HK/quote/HSBC.US.md) - [00005.HK](https://longbridge.com/zh-HK/quote/00005.HK.md) - [HSBA.UK](https://longbridge.com/zh-HK/quote/HSBA.UK.md) - [HSBH.US](https://longbridge.com/zh-HK/quote/HSBH.US.md) ## 相關資訊與研究 - [滙豐專注零售支付 可用作投資](https://longbridge.com/zh-HK/news/282378233.md) - [PayMe 下月中須上傳身份證才繼續使用服務](https://longbridge.com/zh-HK/news/282547331.md) - [第四代滙豐總行慶祝啟用 40 週年 建築師諾曼福斯特親臨見證](https://longbridge.com/zh-HK/news/282279693.md) - [滙豐調查丨 54% 香港企業擬加快可持續發展步伐](https://longbridge.com/zh-HK/news/282315081.md) - [Genius：第一季空投分配 7000 萬枚 GENIUS，選擇立即領取將銷毀 70% 代幣](https://longbridge.com/zh-HK/news/282431518.md)