简而言之 Swift 的试点允许 17 家全球银行在周末转移代币化存款，但最终结算仍然依赖于传统的营业时间系统。 参与机构包括花旗、汇丰、纽约银行和富国银行等全球主要系统重要性银行。 尽管采用与以太坊兼容的架构构建，但基于区块链的账本仍然是一个很大程度上中心化的网络。 连接全球数千家银行的金融看门人斯威夫特周四表示，十几家机构正准备使用其“基于区块链的分类账”。 根据一份公告，这家由成员所有的合作社数十年来一直充当着传统金融体系的支柱，预计六大洲的 17 家银行将参与一项涉及代表存款的代币交换的试点计划。 参与机构包括法国巴黎银行、纽约银行、花旗银行、汇丰银行、渣打银行、瑞银集团和富国银行等多家被金融稳定委员会指定为全球系统重要性银行的银行，凸显了该试点项目的潜在影响力。
虽然最终的法定结算在营业时间内仍然依赖于遗留系统，但 Swift 指出，其基于区块链的分类账允许银行“隔夜和周末”转移代币化存款，这是加密货币领域运营的所有网络固有的功能。 斯威夫特补充道：“银行可以从改善的客户体验和全球流动性效率中受益，而不会影响现有支付处理中嵌入的合规、信用、风险和控制标准。” 该公告反映了传统金融中介机构正在以适合其现有业务的方式采用区块链，同时拥抱华尔街高管多年来所指出的效率。 渣打银行现金管理全球主管 Mahesh Kini 表示：“我们正在利用 Swift 基于区块链的新账本重新定义跨境支付，将代币化存款与我们的全球网络相结合，以提供即时、始终在线的资金流动。”
在 3 月份的一篇博客文章中，Swift 表示其网络功能架构与以太坊虚拟机（EVM）兼容，EVM 是支撑加密货币首选无许可网络之一的软件环境。尽管如此，Swift 的网络很大程度上还是中心化的。它运行一个共享的交易环境，而银行则保留对其自身资产的权力。 像 XRP Ledger (XRPL) 这样的网络旨在成为 Swift 技术堆栈的更便宜、更快的替代品，专门针对结算速度慢的问题。最近，Canton Network 通过平衡合规与隐私而在金融机构中获得了发展势头。 摩根大通等金融巨头多年来一直涉足区块链，并于 2024 年将其旗舰解决方案和代币化部门从 Onyx 更名为 Kinexys。Swift 在周四的公告中指出，其产品是在九个月内创建的。 每日简报时事通讯 每天从当前的热门新闻报道以及原创专题、播客、视频等开始。
In brief
Swift’s pilot allows 17 global banks to transfer tokenized deposits on weekends, but ultimate settlement still relies on legacy, business-hour systems.
Participating institutions include major Global Systemically Important Banks such as Citi, HSBC, BNY, and Wells Fargo.
Though built with Ethereum-compatible architecture, the blockchain-based ledger remains a largely centralized network.
Swift, the financial gatekeeper connecting thousands of banks across the globe, said on Thursday that a dozen-plus institutions are preparing to use its “blockchain-based ledger.”
The member-owned cooperative, which has functioned as the traditional financial system's backbone for decades, expects 17 banks across six continents to participate in a pilot program involving the exchange of tokens that represent deposits, according to an announcement.
Highlighting the pilot’s potential weight, the participating institutions include several banks designated as Global Systemically Important Banks by the Financial Stability Board, such as BNP Paribas, BNY, Citi, HSBC, Standard Chartered, UBS, and Wells Fargo.
While ultimate fiat settlement still relies on legacy systems during business hours, Swift noted that its blockchain-based ledger allows banks to move tokenized deposits “overnight and on weekends,” a feature inherent to all networks operating in the cryptocurrency realm.
“Banks benefit from improved client experience and global liquidity efficiency without compromising compliance, credit, risk and control standards embedded in existing payment processing,” Swift added.
The announcement reflects the ways in which traditional financial intermediaries are adopting blockchain in a manner that suits their existing businesses, while embracing the efficiencies that Wall Street executives have pointed to for years.
“We are redefining cross-border payments with Swift’s new blockchain-based ledger—combining tokenized deposits with our global network to deliver instant, always-on money movement,” Mahesh Kini, global head of cash management at Standard Chartered, said.
In a March blog post, Swift said its network features architecture compatible with the Ethereum Virtual Machine (EVM), the software environment underpinning one of crypto’s go-to permissionless networks. Still, Swift’s network is largely centralized. It operates a shared environment for transactions, while banks maintain authority over their own assets.
Networks like XRP Ledger (XRPL) were designed to be a cheaper, faster alternative to Swift’s technology stack, specifically targeting slow settlement speeds. More recently, Canton Network has gained momentum among financial institutions by balancing compliance with privacy.
Financial incumbents like JPMorgan have dabbled with blockchains for years, rebranding its flagship solution and tokenization unit to Kinexys from Onyx in 2024. Swift noted in its announcement on Thursday that its product was created in nine months.
