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中国的BSN区块链网络今年计划跨国CBDC试点

2021-1-17 14:16


昨天,中国基于区块链的服务网络(BSN)概述了一项大胆的全球网络计划,该计划将支持多个国家未来的央行数字货币(CBDC)。

它的目标是在五年内建立通用数字支付网络(UDPN),并在2021年下半年开始测试版本。我们注意到,它没有提到中国的数字元或eCNY,尽管毫无疑问,这将是首批使用的数字元之一。

在许多方面,BSN正在尝试创建下一代互联网,支持并互联其国际网络中的多个公共和私有区块链。网络中文版仅支持企业区块链。它最初的目标是让区块链对个人和中小企业来说都负担得起,其价格和可访问性类似于低成本的云托管。

在这种情况下,它需要支持支付。正如其博客文章所概述的那样,它设想在不久的将来,几个国家将拥有数字货币。鉴于大多数国家尚未做出CBDC决定,它并没有声称有政府协议。但由于许多cbdc可能通过银行分发,该公司计划与国际银行和科技公司共同建立UDPN。

因此,UDPN的目标是任何需要支付的商业或消费者应用程序通过支付API调用UDPN。

Digital Asset公司在其博客中没有提及,该公司正在与BSN就区块链互操作性进行合作,并对CBDC非常感兴趣。银联是BSN的创始人之一。银联是中国版的Visa和万事达(Mastercard)。

BSN的博客文章谈到了“标准化的数字货币转账方法和支付程序”。如果BSN成功实现了其网络被大规模采用的目标,它将在制定其他公司使用的标准方面发挥重要作用。而且不仅仅是在中国。

BSN由中国国家信息中心(SIC)、中国移动、银联、智慧政府和红枣科技共同发起,目前在国际上率先推出。

Yesterday China’s Blockchain-based Service Network (BSN) outlined an audacious plan for a global network that will support future central bank digital currencies (CBDC) from multiple countries.

It aims to build the universal digital payment network (UDPN) in five years, starting with a beta version in the second half of 2021. We note that it does not mention China’s digital yuan or eCNY, although doubtless, this will be one of the first to be used.

In many ways, BSN is trying to create the next generation of the internet, supporting and interconnecting multiple public and private blockchains in its international network. The Chinese version of the network supports only enterprise blockchains. Its original aim was to make blockchain affordable for individuals and SMEs, with pricing and accessibility similar to low-cost cloud hosting.

Given that context, it needs to support payments. And as outlined in its blog post, it envisages a not too distant future where several countries will have digital currencies. It’s not claiming to have government agreements, given most countries have not yet made CBDC decisions. But as many CBDCs are likely to be distributed via banks, it plans to build the UDPN with international banks and technology companies.

So the aim with UDPN is for any business or consumer application that needs to make a payment to call the UDPN via a payments API.

In its blog post, a company not mentioned is Digital Asset, which is working with BSN on blockchain interoperability and has a keen interest in CBDC. And UnionPay, China’s answer to Visa and Mastercard, was one of the BSN’s founders.

The BSN blog post talks about a “standardized digital currency transfer method and payment procedure”. If the BSN manages to fulfill its aim of having its network adopted at scale, it could have a significant role in setting the standards used by others. And not just in China.

The BSN was initiated by China’s State Information Center (SIC), China Mobile, UnionPay, Smart Government, and Red Date Technology, which is spearheading the international rollout.

来自: Ledger Insights