<p>據報道，美國主要銀行計劃在 2027 年上半年儘快推出一個代幣化存款網絡，這是華爾街將區塊鏈融入傳統金融的最新努力。</p>
<p>根據《華爾街日報》週四的報道，該網絡預計將由清算所運營，清算所是一家由包括摩根大通、美國銀行、花旗、富國銀行等主要銀行組成的財團擁有的私營支付公司。</p>
<p>該計劃中的平台——被一些銀行稱為 “橋樑”，而被其他銀行稱為 “鏈”——將使代幣化存款能夠即時轉移，並支持全天候結算。</p>
<p>清算所首席執行官大衞·沃森告訴《華爾街日報》，這一舉措標誌着銀行的 “重大舉動”，並補充説，行業面臨着一個圍繞鏈上支付和金融構建的 “截然不同” 的未來。</p>
<p><strong>早期客户</strong></p>
<p>該網絡的早期用户預計將是尋求簡化支付和財務操作的大型全球公司。報告稱，該平台可能支持 24/7 的流動性轉移、跨境支付和財務管理。</p>
<p>該舉措是主要銀行持續推進代幣化的一部分。2025 年 11 月，摩根大通正式向機構客户推出了以美元計價的存款代幣 JPM Coin，基於 Layer 2 平台，經過數月的測試。</p>
<p>最近，在 1 月份，BNY 為機構客户推出了一項代幣化存款服務，創建了客户在銀行持有的存款的區塊鏈表示。</p>
<p>新加坡的 DBS 和摩根大通的 Kinexys 也在 11 月宣佈，他們正在開發一個互操作性框架，以促進其鏈上生態系統之間的代幣化存款轉移。</p>
<p>The Block 已聯繫清算所、摩根大通、美國銀行、花旗和富國銀行以獲取評論。</p>
<p>免責聲明：The Block 是一個獨立的媒體機構，提供新聞、研究和數據。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投資者。Foresight Ventures 還投資於加密領域的其他公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合夥人。The Block 繼續獨立運營，提供關於加密行業的客觀、影響力和及時的信息。以下是我們當前的財務披露。</p>
<p>© 2026 The Block. 保留所有權利。本文僅供信息參考，不構成法律、税務、投資、金融或其他建議。</p>

摩根大通

花旗

<p>一個由主要美國銀行組成的財團，包括摩根大通和花旗，計劃在 2027 年初推出一個由清算所運營的代幣化存款網絡。該平台旨在為機構客户提供即時、全天候的結算，支持跨境支付和財務管理。此舉反映了華爾街更廣泛的努力，即將區塊鏈技術融入傳統金融</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>據報道，美國主要銀行計劃在 2027 年上半年儘快推出一個代幣化存款網絡，這是華爾街將區塊鏈融入傳統金融的最新努力。</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>根據《華爾街日報》週四的報道，該網絡預計將由清算所運營，清算所是一家由包括摩根大通、美國銀行、花旗、富國銀行等主要銀行組成的財團擁有的私營支付公司。</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>該計劃中的平台——被一些銀行稱為 “橋樑”，而被其他銀行稱為 “鏈”——將使代幣化存款能夠即時轉移，並支持全天候結算。</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>清算所首席執行官大衞·沃森告訴《華爾街日報》，這一舉措標誌着銀行的 “重大舉動”，並補充説，行業面臨着一個圍繞鏈上支付和金融構建的 “截然不同” 的未來。</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>該網絡的早期用户預計將是尋求簡化支付和財務操作的大型全球公司。報告稱，該平台可能支持 24/7 的流動性轉移、跨境支付和財務管理。</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>該舉措是主要銀行持續推進代幣化的一部分。2025 年 11 月，摩根大通正式向機構客户推出了以美元計價的存款代幣 JPM Coin，基於 Layer 2 平台，經過數月的測試。</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 為機構客户推出了一項代幣化存款服務，創建了客户在銀行持有的存款的區塊鏈表示。</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 月宣佈，他們正在開發一個互操作性框架，以促進其鏈上生態系統之間的代幣化存款轉移。</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 已聯繫清算所、摩根大通、美國銀行、花旗和富國銀行以獲取評論。</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>免責聲明：The Block 是一個獨立的媒體機構，提供新聞、研究和數據。截至 2023 年 11 月，Foresight Ventures 是 The Block 的主要投資者。Foresight Ventures 還投資於加密領域的其他公司。加密交易所 Bitget 是 Foresight Ventures 的主要有限合夥人。The Block 繼續獨立運營，提供關於加密行業的客觀、影響力和及時的信息。以下是我們當前的財務披露。</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. 保留所有權利。本文僅供信息參考，不構成法律、税務、投資、金融或其他建議。</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

美國銀行

富國銀行

紐約梅隆銀行

星展集團控股

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

據《華爾街日報》報道，由摩根大通和花旗支持的財團計劃在 2027 年初推出代幣化存款網絡