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区块链国际资讯

摩根士丹利:BDS360交易结算和资产转账区块链系统已经上线

来自摩根士丹利的消息显示,该公司旗下的BDS360区块链平台自2016年3月就已经开始运行。通过加密签名和时间戳,该银行依赖区块链技术来备份交易结算记录和该银行金融网络锁管理的资产转账的记录。

不过摩根士丹利也指出,区块链技术不够灵活,目前仍然无法实时处理百万级别的数据点。

目前绝大多数的国际和跨银行支付都是通过SWIFT账本和网络来处理的。要让区块链技术取代SWIFT并将本身建立成为交易和资产结算技术,摩根士丹利认为恐怕还需要几年的时间。

除摩根士丹利和纽约梅隆银行外,许多其他银行巨头(如BBVA和一些日本银行巨头)已经与一些Ripple等区块链项目方达成合作,专注于与目前管理着万亿美元资产的金融网络SWIFT进行竞争。

因此,包括纽约梅隆银行在内的多家银行机构目前使用区块链技术并不是未来大幅度降低运营成本,其最终目的是通过加密证明和时间戳来保护交易和结算历史来解决自己网络的弹性。

借贷银行和金融机构正在积极推动区块链技术和基于区块链技术平台的快速发展。这些机构希望最终使用基于区块链的协议取代整个银行基础设施。

摩根士丹利认为如果银行能够相互有效地合作,并引入解决监管障碍的解决方案,这是可能的。

 

$82 bln banking giant Morgan Stanley and leading financial institution Bank of New York Mellon (BNY Mellon) are utilizing Blockchain technology-based platforms to maintain backup records and process transactions.

Earlier this week, several publications including Business Insider obtained a note from Morgan Stanley that explained the intricacies of its Blockchain platform such as its structure and protocol. Short for Broker Dealer Service 360, the BDS360 Blockchain platform of Morgan Stanley has been operating as a duplicate backup ledger to the settlement layer of Morgan Stanley’s banking infrastructure.

According to Morgan Stanley, the BDS360 Blockchain platform has been operating since March of 2016. Through the utilization of cryptographic signatures and timestamps, the bank relied on Blockchain technology to backup the settlement records of transaction and the transfer of assets managed by Morgan Stanley’s financial network.

Morgan Stanley’s note read:

“[Blockchain] provides a cost-effective way of adding extra layers of resiliency to the current platform. There is still work to be done to figure out the specifics of client interface. BNY Mellon would also need to engage in regulatory dialogues, and establish necessary standards and protocols. We think BNY Mellon is well positioned to take on those challenges, with ~85% market share in the [bond] space.”

At the moment, Morgan Stanley emphasized that Blockchain technology is not sufficiently flexible to handle the settlement of millions of data points in real-time. Hence, banks including BNY Mellon are not utilizing Blockchain to significantly reduce operating costs as of yet. However, the utilization of Blockchain allowed major banks to add resiliency to their networks by securing transactions and settlement history with cryptographic evidence and timestamps.

The vast majority of international and cross-bank payments are processed through the SWIFT ledger and network. In order for Blockchain technology to replace SWIFT and establish itself as the technology for the settlement of transaction and assets, Morgan Stanley explained that a few more years of development will be required.

Leading banks and financial institutions are pioneering the development of Blockchain technology and Blockchain-based platforms with a long-term vision and strategy of eventually replacing the entire banking infrastructure with the Blockchain-based protocol.

Morgan Stanley believes that it is possible if banks can collaborate effectively with one another and introduce solutions to regulatory hurdles:

"Adoption of some form of Blockchain technology by incumbents is likely. Given the amount of collaboration required, we expect it could take several years to replace existing back office functions."

Many banks apart from Morgan Stanley and BNY Mellon such as BBVA and some of Japan’s largest banks have partnered with Blockchain projects such as Ripple that have their focus set on competing with the multi-trillion dollar financial network SWIFT.


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