瑞银等银行将使用类似比特币的代币来结算跨境交易

The UBS-led group also includes Barclays PLC, Nasdaq Inc. and Credit Suisse Group, among others. 以瑞银为首的金融公司还包括巴克莱集团、纳斯达克、瑞信。 图片来源： ARND WIEGMANN/REUTERS

A group of financial firms led by UBS Group AG plans to start using a bitcoin-like token to settle cross-border trades, one of the biggest developments yet in the effort to make use of nascent blockchain technology.

以瑞银集团(UBS Group)为首的一批金融公司计划开始使用类似比特币的代币来结算跨境交易，这是利用新兴的区块链技术所取得的最大进展之一。

The 14 firms—a group that includes big banks in the U.S., Europe and Japan—have created a new company to control development of the token, called the utility settlement coin, or USC. They have collectively invested £50 million ($63.2 million) in the company, Fnality International.

这14家公司包括美国、欧洲和日本的大银行，它们已经成立了一家新公司来控制这种名为多功能结算币(utility settlement coin, 简称USC)的代币的开发。他们共同向这家名为Fnality International的公司投资了5000万英镑（6320万美元）。

The launch of the USC project, four years in the making, may herald a new phase in the banking sector’s adoption of blockchain, the record-keeping technology that underpins bitcoin. A number of blockchain projects are moving out of the experimental phase and into production, a sign that the technology is becoming more integrated in the global financial infrastructure.

这项酝酿了四年的USC项目的启动，可能预示着银行业采用区块链进入新阶段。区块链是支撑比特币的记账技术。许多区块链项目正走出实验阶段，进入实用阶段，这表明该技术正日益融入全球金融基础设施。

The USC token would function both as a payment device and messenger that carries all the information required to complete a trade, potentially cutting down on a transaction’s time and cost.

USC代币既可以作为支付设备，也可以作为携带完成交易所需所有信息的通讯工具，这可能会减少交易的时间和成本。

The USC token will be backed by bank-owned currency held at central banks. In addition to UBS, its backers include Barclays PLC, Nasdaq Inc., Credit Suisse Group AG , Bank of New York Mellon Corp.,Canadian Imperial Bank of Commerce , State Street Bank & Trust Co,Banco Santander SA, Commerzbank AG, ING Groep NV, KBC Group NV,Lloyds Banking Group PLC, Mitsubishi UFG Financial Group Inc. and Sumitomo Mitsui Banking Corp.

USC代币将由央行持有的银行自有货币作为后盾。除了瑞银，支持的银行还包括巴克莱集团(Barclays PLC, BCS)、纳斯达克(Nasdaq Inc.)、瑞士信贷集团(Credit Suisse Group AG, CSGN.VX)、纽约梅隆银行股份有限公司(Bank of New York Mellon Co., BK)、加拿大帝国商业银行(Canadian Imperial Bank of Commerce, T.CM)、道富银行及信托公司(State Street Bank and Trust Company)、西班牙国家银行(Banco Santander S.A., SAN.MC)、德国商业银行(Commerzbank AG)、荷兰国际集团(ING Groep N.V., ING)、KBC Group NV、莱斯银行(Lloyds Banking Group PLC, LYG)、三菱日联金融集团(Mitsubishi UFJ Financial Group Inc.)，以及三井住友银行株式会社(Sumitomo Mitsui Banking Corporation)。

Fnality Chief Executive Rhomaios Ram said the company is working with regulators in several countries to get the necessary approvals.

Fnality首席执行长Rhomaios Ram表示，该公司正在与几个国家的监管机构合作，以获得必要的批准。

Paul Vigna

2019年6月6日08:25 CST 更新

（本文版权归道琼斯公司所有，未经许可不得翻译或转载。）

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