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菲律宾将区块链用于零售政府债券

2020-7-27 13:36

 

上周日,银联推出了一款名为“债券”的应用。这使得消费者能够购买由菲律宾财政部(BTr)发行的零售国债(RTBs)。这是自2001年以来的第24次RTB问题,目的是鼓励金融知识普及,让没有银行账户的人开设银行账户,储蓄和投资。


但这款新的债券应用程序并不强迫买家开设银行账户。他们可以通过银联和其他一些应用程序存款,包括PayMaya,它拥有4万个合作伙伴,用户可以通过这些合作伙伴存款现金。


“发行债券。菲律宾为所有菲律宾人,特别是没有银行账户的人,提供了方便、实惠地投资BTr最新零售国债RTB-24的途径。


然而,bonds.ph应用是一种试点解决方案,与正态分布路线一起运行,包括在财政部网站和各银行网点的柜台上网购。


在区块链方面,UnionBank与中央银行合作监管菲律宾数字资产交易所(PDAX),一个加密货币交易所。区块链用作不可变的记录保持机制,但与传统的债券注册表一起使用。据the Inquirer报道,PDAX首席执行官Nichel Gaba表示,区块链还被用于“通过智能合同以低成本或零成本实现支付自动化、执行规则和复杂交易”。


虽然目标可能是最低投资额为100美元的未开户人士,但政府发行了1,927亿菲律宾比索(39亿美元),这在很大程度上是一项融资活动。财政部正在为世界各地的移民做路演。


这是首批利用区块链杠杆发行的零售国债之一。不过,预计泰国不久也将使用区块链发行零售储蓄债券,尽管目前尚未发行。


对于UnionBank及其金融科技子公司UBX来说,这绝不是它的第一个区块链倡议。两年前,该行利用区块链帮助无法进入菲律宾清算所的农村银行加快了银行间支付速度。它还与中国-新加坡公司OneConnect合作,目的是推出一个智能借贷平台。此外,它还尝试将跨境支付标记化。

 

On Sunday, UnionBank launched an app “bonds.ph” that leverages blockchain and enables consumers to buy retail treasury bonds (RTBs) issued by the Philippines Bureau of the Treasury (BTr). This is the 24th RTB issue since 2001 to encourage financial literacy and for the unbanked to open a bank account and to save and invest.

But the new bond app doesn’t force buyers to open a bank account. They can deposit money through UnionBank and via a number of other apps, including PayMaya, which has a network 40,000 partners where users can deposit cash.

“The launch of Bonds.PH paves the way for all Filipinos, particularly the unbanked, to easily and affordably invest in the BTr’s newest retail treasury bond, RTB-24,” said Rosalia V. De Leon, National Treasurer, according to the Inquirer.

However, the bonds.ph app is a pilot solution being run alongside the normal distribution routes, which include online purchases at the Treasury website and over the counter at various banking outlets. 

For the blockchain aspect, UnionBank partnered with the central bank regulated Philippines Digital Asset Exchange (PDAX), a cryptocurrency exchange. Blockchain is used as the immutable record keeping mechanism but alongside the conventional bond registry. PDAX CEO Nichel Gaba said that blockchain was also used to “automate payments, enforce rules, and facilitate complex transactions via smart contracts at little to no cost,” according to the Inquirer.

While the target may be the unbanked with a minimum investment equivalent to $100, this is very much a fund raising exercise for the government with an issue of 192.7 billion Philippine peso ($3.9 billion). The Treasury is doing roadshows for the diaspora around the world.

This is one of the first retail treasury bond issues that leverages blockchain. But soon, Thailand is also expected to issue a retail savings bond using blockchain, if it hasn’t done so already.

For UnionBank and its fintech subsidiary UBX, this is by no means its first blockchain initiative. Two years ago, it helped rural banks that don’t have access to the Philippine Clearing House to speed up interbank payments using blockchain. It also teamed up with the Chino-Singapore firm OneConnect with the aim of launching a smart lending platform. Plus, it has trialed tokenized cross border payments.

 

来自: Ledger Insights