IBM Digital Asset Haven kan nu forbinde finansielle institutioner til Swifts blockchain-baserede fælles ledger gennem en beta-integration. Banker kan initiere tokeniserede indskudstransaktioner ved hjælp af deres eksisterende ISO 20022-betalingsmeddelelser. Swifts ledger er allerede blevet testet af 17 tidlige adoptionsinstitutioner, og IBM lancerer også en on-premises-version af Digital Asset Haven.
ID: N25-05 Site: NewsBTC Status: READY Author: NewsBTC Editorial Team Focus Keyword: IBM Image Keyword: Tokenization Category: Technology Tags: IBM, Swift, Tokenized Deposits, Banking, Blockchain Primary Source: https://newsroom.ibm.com/
Banker kan beholde det meddelelsesformat, de allerede bruger
Det kan lyde som en mindre teknisk detalje, men for banker er det sandsynligvis hovedpointen. En af de største barrierer for institutionel blockchain-adoption er ikke, hvorvidt en distribueret ledger kan flytte et aktiv. Det er, hvorvidt det nye system kan forbinde til den compliance-, meddelelses- og driftsinfrastruktur, som institutioner allerede er afhængige af. IBMs nye adapter lader banker sende instruktioner til Swifts tokeniserede indskuds-ledger ved hjælp af eksisterende betalingsmeddelelsesformater i stedet for at tvinge medarbejdere og systemer til at arbejde gennem blockchain-specifikke grænseflader.
Swift forbinder mere end 12.500 finansielle institutioner på tværs af over 200 markeder. Dets fælles ledger er bygget op omkring bankudstedte tokeniserede indskud, hvor transaktioner kan flyttes døgnet rundt før endelig afregning gennem etablerede systemer. IBM siger, at 17 tidlige adoptionsinstitutioner allerede er involveret i test af modellen.
Digital Asset Haven flytter også ind i banken
IBM introducerer samtidig en on-premises beta-version af Digital Asset Haven. Dette gør det muligt for institutioner at køre digital-asset-platformen i deres egne datacentre ved hjælp af IBM Z- og LinuxONE-infrastruktur i stedet for at være afhængige af public-cloud-udrulning. For stærkt regulerede banker kan det niveau af kontrol betyde lige så meget som blockchain-funktionaliteten selv.
Tokeniserede indskud er ved at fremstå som et af banksektorens foretrukne svar på stablecoins. De kan tilbyde nogle af de programmerbarheds- og afregningsfordele, som blockchain har, mens de forbliver forpligtelser hos regulerede kommercielle banker. IBM og Swift forsøger reelt at gøre den overgang operationelt velkendt. Blockchainen ligger under. ISO 20022-meddelelser, eksisterende compliance-processer og bankkontrolleret infrastruktur ligger ovenpå. Det lyder måske ikke så radikalt som at erstatte banker med krypto, men det er sandsynligvis meget tættere på, hvordan blockchain faktisk bliver adopteret af banker i stor skala.
Denne artikel blev skrevet af News Desk og redigeret af [Samuel Rae](https://www.newsbtc.com/author/rae-samuel/).
Ofte stillede spørgsmål
FAQs IBM Links Banks to Swifts Blockchain Ledger for Tokenized Deposits
Beginner Questions
1 What does IBM links banks to Swifts blockchain ledger actually mean
It means IBM is helping banks connect their systems to a new blockchainbased recordkeeping platform that Swift is building so banks can test and use tokenized deposits across borders
2 What is Swift
Swift is the global messaging network that most banks use to send payment instructions to each other It moves information not money itself
3 What are tokenized deposits
Theyre digital versions of the money you already have in a bank account The bank issues a token on a blockchain that represents your deposit so it can be moved and settled instantly instead of waiting for traditional banking rails
4 How is a tokenized deposit different from a stablecoin or CBDC
A tokenized deposit is a claim on a commercial bank the same legal claim as your regular deposit A stablecoin is usually issued by a private company and a CBDC is issued directly by a central bank
5 Why is IBM involved
IBM provides the enterprise blockchain infrastructure and integration tools that let banks plug into Swifts ledger without rebuilding their entire backend systems
6 Is this live yet
It started as a pilot with a group of banks testing crossborder payments and has been moving toward realworld trials Availability depends on which banks and corridors are participating
Benefits and Use Cases
7 Whats the main benefit for banks
Faster cheaper crossborder payments Settlement can happen in minutes rather than days and there are fewer intermediaries taking a cut
8 Whats in it for regular customers
Potentially quicker international transfers lower fees and more transparency about where your money is at any moment
9 Can tokenized deposits be used for anything besides payments
Yes they can support things like automated payments via smart contracts collateral movement and 247 settlement between institutions
10 Does this replace Swifts existing messaging system
No It builds on top of it Swift messages still coordinate the transaction the blockchain ledger handles the actual settlement record
Common Problems and Concerns
11 What are the biggest challenges with tokenized deposits
Regulatory uncertainty differing rules across countries privacy concerns