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印度ICICI银行成功完成区块链汇款试验

印度最大私营银行印度工业信贷投资银行(ICICI)与迪拜最大银行迪拜国民银行(Emirates NDB)合作开发区块链平台,以推进国际贸易融资与汇款进程的发展。

此次交易中所使用的区块链平台是由印度技术领军企业印孚瑟斯(印孚瑟斯Infosys)为其量身打造的。

在此项试交易中,ICICI在印度工业之都孟买的分行向向迪拜国民银行分部进行了实时汇款。

印度ICICI银行在一项声明中表示:

ICICI银行是印度首家、全球首批采用区块链技术实时交换验证汇款交易信息及有关订购、货款发票、运输、保险等原始国际贸易信息的银行。

采用区块链技术可完成高效、近乎同步的汇款是该技术最为显著的特点之一,就如使用比特币进行交易一样优势显著。对银行及全球金融业来说,区块链技术将极大地革新以往文件繁复耗时颇多的贸易融资过程。

电子分散账本可使银行、进口商及出口商等国际贸易各方都能实时查看数据。有关所有权及资产转移的文件与记录将得到精简,实时记录至电子账本,难以篡改。

为展示交易过程,试交易演示了孟买公司从迪拜供应商处确认进口碎钢熔炼废料的过程。

全球国家银行与技术公司已进行了贸易融资试验。15个R3联盟成员测试区块链技术在贸易金融中的应用便是其中较为著名的试验之一。2015年末,位于伦敦的渣打银行与新加坡星展银行开发了贸易融资分布式账本项目。

近期,微软公司也宣布与美国银行合作,表明了其欲用区块链技术变革贸易融资的意图。

此外,董事总经理兼首席执行官Chanda Kochhar表示:“我设想,新兴的区块链技术可使原本复杂的双边及多边银行交易实现无缝化、迅捷化,业更具安全性,未来能在银行业发挥举足轻重的作用。”

印度ICICI银行还透露,该银行正与Infosys旗下的金融科技公司Infosys Finacle合作开发试验,以将区块链技术应用于其它银行及支付服务中。

2016年6月,ICICI银行首次透露出开发区块链技术的意愿。彼时该银行设立了数字部门以利用挖掘比特币背后的创新技术。

据相关报道消息,印度比特币使用者激增之时,比特币创企Unocoin获150万美元融资,为印度比特币创企之最。

Indias largest private sector lender, ICICI Bank, has tied up with Dubais largest bank, Emirates NBD, to develop a blockchain platform to facilitate international trade finance and remittance.

Indian bank ICICI has announced the successful pilot of transactions executed over a blockchain, developed in partnership with Middle Eastern banking giant Emirates NBD.

A custom-made blockchain platform was used for the transactions, developed by a subsidiary of Indian technology powerhouse Infosys.

The pilot transactions saw an ICICI Bank branch in Indias industrial capital Mumbai, remit funds real-time to an Emirates NBD branch in Dubai.

In a statement, the bank noted:

ICICI Bank is the first bank in the country and among the first few globally to exchange and authenticate remittance transaction messages as well as original international trade documents related purchase order, invoice, shipping and insurance, among others, electronically, on blockchain in real time.

The benefit of efficient, near-instance remittance from blockchain technology is one of the innovations most telling features, as evident in the use of bitcoin as a transfer of value. For banks and the global finance, blockchain could very well revolutionize the traditionally paper-intensive, time-consuming trade finance process.

An electronic decentralized ledger would enable all participants in an international trade finance transaction the bank, the importer and exporter to access data in real-time. Documentation and record of authenticable ownership, along with transfer of assets would be streamlined digitally, in real-time, on a tamper-proof ledger.

To demonstrate this, the trade finance pilot saw confirmation to import shredded steel melting scrap by a Mumbai-based firm, from a Dubai-based supplier.

A number of banks and technology companies around the world have already executed trade finance pilots. Some notable examples include that of 15 R3 member banks working on blockchain prototypes for trade finance. In late 2015, London-based Standard Chartered and Singaporean bank DBS revealed a distributed ledger for trade finance.

More recently, Microsoft announced a partnership with the Bank of America, stating its intent to transform trade finance with blockchain technology.

Furthermore, ICICI managing director and CEO Chanda Kochhar stated:

I envision that the emerging technology of blockchain will play a significant role in banking in the coming years by making complex bilateral and multi-lateral banking transactions seamless, quick and more secure.

The bank has also revealed that it is partnering with Infosys Finacle, the Fintech arm of Infosys, to develop and trial blockchain solutions in other banking and payment services.

ICICI first revealed its interest in developing blockchain applications in June 2016, when the bank established a digital division to harness bitcoins underlying innovation.

In related news, Indian bitcoin exchange Unocoin raised $1.5 million in funding, a record for an Indian bitcoin startup, at a time when the country is seeing frenetic growth in bitcoin adopters.

GELP

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