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奥地利Raiffeisen银行尝试使用Billon区块链进行提现

2020-5-19 15:40

 

今天,区块链创业公司Billon Group宣布将与Raiffeisen Bank International (RBI)合作进行试点,将银行账户现金作为RBI币进行数字化。在此之前,这两家公司在Billon参与RBI电梯实验室时,曾对这一概念进行过验证。这家拥有1670万客户的奥地利银行主要在中欧和东欧(CEE)开展业务,可能会在那里使用RBI硬币。


该项目利用了Billon的数字化分布式现金系统,使国家货币的符号化成为可能。我们之前报道过Billon在波兰和英国拥有电子货币许可证。也许这一领域最引人注目的项目是JPM Coin和Fnality,但还有很多其他的项目。例如,戴姆勒(Daimler)和德国商业银行(Commerzbank)试行了机器支付的数字现金。但这三家公司都专注于其他区块链平台的支付业务。


这里的重点更多地放在纯粹的支付上,以使它们更快、更透明,以便客户可以自己检查状态,并最终减少异常处理。后者通常发生在有中间银行,并且由于反洗钱的查询而被搁置的情况下。这些好处与Ripple的按需流动资金服务有相似之处,但它不需要使用加密货币。


“Billon是一个很好的例子,说明金融科技懂得如何调整区块链,以满足银行及其客户的需求,”印度储备银行区块链中心主管斯特凡•安德杰里克(Stefan Andjelic)表示。“特别是在2019冠状病毒疫情期间,银行需要与金融科技公司合作,加快创新,帮助客户处理支付和流动性需求。”


这家初创公司最近在A轮融资中筹集了600万美元,其中包括支付巨头FIS的支持。Billon之前发布的高调公告涉及波兰一家电力公司、一家银行、一家保险公司和波兰主要信用检查机构的文件管理解决方案。


Billon预计试点将在今年年底完成,除了提供差异化的产品外,它还预测了成本效益。


Raiffeissen拥有广泛的区块链利益。它是马可波罗区块链贸易融资网络的成员,在那里进行了试点。在莫斯科,它推出了一个区块链平台,用于公司间支付的快速结算——这一领域也吸引了Fnality的兴趣。此外,它还参与了IVNO抵押品数字化平台的试验。

 

Today blockchain startup Billon Group announced it will run a pilot with Raiffeisen Bank International (RBI) to digitize bank account cash as RBI Coin. This follows a previous proof of concept by the two firms when Billon participated in the RBI Elevator Lab. The Austrian bank with 16.7 million customers has its main activities in Central and Eastern Europe (CEE), where it may potentially use the RBI Coin.

The project leverages Billon’s Digitized Distributed Cash system, which enables tokenization of national currency. We previously reported that Billon has an e-money license in Poland and the UK. Perhaps the highest profile projects in this area are JPM Coin and Fnality, but there are plenty of others. For example, Daimler and Commerzbank piloted digital cash for machine payments. But all three of these are focused on payments for other blockchain platforms.

Here the focus is more on pure payments to make them faster, more transparent so that customers can check the status themselves and ultimately reduce exception handling. The latter often arises when there are intermediary banks and there’s a hold up because of anti money laundering queries. The benefits have similarities to Ripple’s on demand liquidity offering, but it does not require the use of a cryptocurrency.

“Billon is a great example of a fintech that understands how to adapt blockchain to serve the needs of banks and their clients,” said Stefan Andjelic, Blockchain Hub Lead at RBI. “Specifically during the COVID-19 situation, banks need to partner with fintechs to innovate faster and help clients with payments processing and liquidity needs.”

The startup recently raised $6 million in its Series A, including backing from payments giant FIS. Billon’s previous high profile announcements related to document management solutions for a Polish electricity utility, a bank, an insurer and the main Polish credit checking bureau.

Billon expects the pilot to complete by the end of the year, and apart from a differentiated product offering, it predicts cost efficiencies.

Raiffeissen has extensive blockchain interests. It’s a member of the Marco Polo blockchain trade finance network where it has conducted pilots. In Moscow, it launched a blockchain platform for the fast settlement of intercompany payments – an area that has attracted the interest of Fnality as well. Plus, it has participated in trials of the IVNO platform for digitizing collateral.

 

来自: Ledger Insights