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区块链国际资讯

日本三菱东京UFJ银行内部拟发行数字货币

据报道,三菱UFJ金融集团(MUFG)的三菱东京UFJ银行(日本最大银行)本月已经开始向员工发行自己的数字货币MUFG币。

这个日本最大的银行集团正在成为全球第一家开发和部署自己的数字货币的大型金融机构。早在2015年,这家银行巨头就开始开发和实验这种被称为“MUFG币”的数字货币,而直到去年才正式对外公开确认这个区块链项目。根据最初的报道显示,这种数字货币的开发是作为一种内部代币,将在MUFG集团内部使用。

尽管该行还未进行证实,不过据最初的报道,这种数字货币依赖于一个P2P平台,使用一种智能手机APP来验证区块链交易中的数字代币。

根据当时报道的描述,

“MUFG币利用了一种新技术,这种技术基于一种由多个小型计算机组成的网络。这种技术能够以很低的成本创建一种防篡改的账本(或称为区块链)交易记录。”

2016年中旬又出现了更多有关MUFG币的详细信息。这种数字货币正在为更广泛的零售发行准备,而不再仅仅是作为一种内部货币。

单个MUFG币的价格等于一日元,使其与日本法定货币等值。用户可以通过智能手机APP或银行ATM从自己的银行账户中提现MUFG币。值得注意的是,这种货币还将以很低的用户手续费来推动日元与外国货币之间的货币兑换。这家东京银行巨头很快确认了正在进行这种数字货币的测试,并且计划在今年正式推出。

据日本具有重要影响力的报纸《读卖新闻》报道,这家银行在本月已经开始向员工测试发行MUFG币。

根据报道显示,MUFG员工将能够免费使用MUFG币进行24小时国内汇款。作为一种零售支付代币,该银行还鼓励员工使用这个数字货币在内部食堂进行付款。

基于区块链技术的数字货币的好处是显而易见的。由于在区块链交易中不存在清算机构或中央机构,银行使用这种金融技术可以实现显著的成本节约。

根据报道中的一部分显示:

“如果MUFG币被用于海外汇款,估计手续费将会被削减到目前每笔交易数千日元(国际汇款)的十分之一。”

一家韩国大型银行已经找到了一种方法来应对较高的国际支付手续费。据巴比特此前报道,2016年末,新韩银行在中国与韩国之间推出了一种基于比特币的汇款服务,利用了一家香港比特币交易所作为中介在中韩之间进行价值转移。

也许值得注意的是,MUFG已经与美国金融技术公司瑞波(Ripple)进行合作,成为了瑞波公司的全球支付领导集团(GPSG)的成员。该研究团体聚集了数十家银行来支持一种“基于规则的区块链网络”,旨在2018年实现区块链全球资金转账。

尽管还未确认,不过有消息传言该银行将在2017年秋季商业发行MUFG币。

The Mitsubishi UFJ Financial Group’s (MUFG) Bank of Tokyo-Mitsubishi UFJ, Japan’s largest bank, has reportedly begun issuing MUFG coin, its own digital currency to its employees this month.

Japan’s biggest banking corporation is on its way to becoming the world’s first major financial institution to develop and deploy its own digital currency. Dubbed ‘MUFG coin’, the banking giant began development and trials of the cryptocurrency as early as 2015 before a public confirmation of the blockchain-based project last year. Initial reports revealed the development of the digital currency as an in-house token, to be used within MUFG’s companies.

While unconfirmed by the bank, the digital currency will reportedly rely on a P2P platform that will use a smartphone application to authenticate digital tokens during transactions on a blockchain.

“MUFG coin takes advantage of the new technology that is on a network of multiple smaller computers. It is possible to cheaply build a tamper-resistant transaction record of the ledger, otherwise referred to as the “blockchain”, a report read at the time.

More details emerged in mid-2016. The MUFG Coin was being primed for a wider retail issuance beyond an in-house currency. The value of a single MUFG coin is equivalent to one fiat Japanese yen, giving it parity with Japan’s currency. Users will be able to withdraw MUFG coins from their bank accounts via a smartphone app or the bank’s ATMs. Notably, the currency would also facilitate currency conversions between yen and foreign currencies at low commissions for users. The Tokyo-based banking giant soon confirmed trials of the digital currency, ahead of a planned launch this year.

Now, the bank has started issuing its MUFG coins to employees on an experimental basis this month, according to major Japanese publication Yomiuri Shimbun.

Today’s report reveals that employees will be able to make 24×7 domestic remittances for free using MUFG coin. As a retail payment token, the bank is also encouraging employees to use the digital currency to make payments at an in-house cafeteria that accepts MUFG coin.

The benefits of a digital currency based on blockchain technology are clear to see. With no clearing agencies or a central authority in a blockchain transaction, banks will see significant cost reductions using the financial technology.

‘If MUFG coin is used for overseas remittances, it is estimated that the commission will be cut to less than one-tenth of that of the current cost of several thousand yen per (international) transaction,” read an excerpt from the report.

One of South Korea’s largest banks has already found a way around high fees in international payments. Shinhan Bank launched a bitcoin-backed remittance service for the Korea-China corridor in late 2016, making use of an intermediary Hong Kong-based bitcoin exchange to transfer value between Korea and China.

Perhaps notably, MUFG has partnered US-based FinTech firm Ripple as a member of the firm’s Global Payments Steering Group (GPSG) this year. The working group sees a handful of banks coming together to support a ‘rules-based blockchain network’ enabling global money transfers over a blockchain by 2018.

While unconfirmed, it is rumored that the bank will issue MUFG coins commercially in Autumn 2017 (between September-December).


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