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桑坦德银行(Santander)、西班牙对外银行(BBVA)等银行与伊比利亚银行(Iberpay)进行了代 ...

2020-11-16 14:57

 

西班牙国家支付运营商伊比利亚支付宣布其智能货币计划的下一阶段。它计划在五家银行测试代币化数字货币的发行、分发和赎回。这不是一次纯粹的银行批发试点。最终客户和企业也将参与其中,因此范围是广泛的。今年早些时候,萨瓦德尔银行(Banco Sabadell)、桑坦德银行(Banco Santander)、Bankia、西班牙对外银行(BBVA)和CaixaBank也参与了使用智能合约的自动支付测试。


概念验证(PoC)正在Red-i上运行,Red-i是Iberpay银行间区块链网络的测试环境,该网络连接到西班牙零售支付系统(SNCE)。


这一试点设想的未来是,“在央行账户资金的支持下”出现数字货币解决方案。虽然Iberpay并没有使用这个术语,但它也被称为合成CBDC或中央银行数字货币。


测试有几个方面。一是从银行间智能货币平台向银行发行和分配通证化货币。其次,商业银行将代币化货币分配给他们的客户。企业将允许零售客户使用这些资金进行支付。客户也将能够使用代币化的现金进行P2P支付。

伊比利亚智能货币通证化现金


Iberpay希望看到这种数字货币分配对金融部门的影响。它设想可编程货币为新的高价值数字服务提供支持,它希望为这一未来做好准备。


PoC将从本月持续到2021年第二季度,可能会有更多银行加入。


虽然这些测试涉及合成数字欧元,但昨日,欧洲央行(ecb)行长克里斯蒂娜•拉加德(Christine Lagarde)对数字欧元央行的前景表示乐观。

 

Spain’s national payments operator Iberpay has announced the next stage of its Smart Money initiative. It plans to test the issuance, distribution and redemption of tokenized digital money with five banks. This isn’t a purely wholesale banking trial. End-customers and corporates will also be involved, so the scope is extensive. Banco Sabadell, Banco Santander, Bankia, BBVA and CaixaBank also participated in tests earlier this year for automated payments using smart contracts.

The proof of concept (PoC) is being run on Red-i, the test environment for Iberpay’s interbank blockchain network which connects to the Spanish Retail Payments System (SNCE).

The trial envisions a future where there will be digital money solutions “backed by funds in central bank accounts.” While Iberpay did not use the term, that’s otherwise known as a synthetic CBDC or central bank digital currency.

There are several aspects to the tests. Firstly the issuance and distribution of tokenized money from the Smart Money Interbank Platform to banks. Secondly, the commercial banks will distribute tokenized money to their customers. Corporates will allow the money to be used by retail customers for payments. And customers will be able to use the tokenized cash for P2P payments.

iberpay smart money tokenized cash

Iberpay wants to see the impact on the financial sector of this sort of digital money distribution. It envisions programmable money as enabling new high-value digital services and it wants to prepare for that future.

The PoC will run from this month to Q2 2021, and additional banks might join.

While these tests involved synthetic digital Euros, yesterday, the European Central Bank President Christine Lagarde was upbeat about the prospects of a digital Euro central bank digital currency.

 

来自: Ledger Insights