最有看点的互联网金融门户

最有看点的互联网金融门户
区块链国际资讯基于互联网平台的金融业务

日本到泰国汇款只要五秒,区块链毫秒级交易成为现实?

由区块链技术驱动的商业零售银行间转账的时代正在逐渐成型,这一过程是近乎即时的。

日本和泰国之间首个基于区块链的即时汇款服务今天正式开始。泰国暹罗商业银行(SCB)和日本SBI Remit联合发起了这项基于瑞波(Ripple)区块链的服务,旨在为两国建立一个新的支付渠道。泰日汇款通道每年转账金额约为2.5亿美元,因为日本生活着4万多名泰国人。

两到五秒

这两家银行的商业区块链功能能够实现个人资金从日元到泰铢的转移。SCB表示,交易一旦开启,资金在“两到五秒”之内就能存到收款方的账户中。而当前两国之间的常规交易都要花上“两个工作日”的时间。

SBI主管Nobuo Ando强调了改进现有汇款服务的需要,旨在为个人客户提供更快速以及成本更低的服务。他补充道:

在本次试验中,瑞波在概念上令人印象深刻,在实际应用中更是如此。此外,随着瑞波网络的扩展,我们将收获更佳的外汇交易机会。

为了实现这一目标,作为泰国的第一家银行,SCB还计划用瑞波区块链展开对标北美、欧洲和亚太地区的核心汇款通道。

至于开展这项服务的目标,正如SCB战略主管Arak Sutivong所说,就是“为那些需要依靠国外资金维持基本生活需求的家庭提供实时支付,因为时间对他们来说是很重要的”。

区块链银行转账即将开始?

瑞波的区块链,即瑞波共识账本(RCL)之前曾被用于大量的汇款实验,包括今年4月西班牙和墨西哥之间的即时资金转账。2016年7月,加拿大到德国的一笔瑞波区块链支付花费了20秒时间;9月,渣打银行的一笔跨境转账只用了10秒钟。

值得注意的是,瑞波在去年9月还成立了一个名为“全球支付指导小组”的银行间区块链组织,其成员都是世界上最大型的银行。这个工作小组的任务是创造且维护瑞波账本的规则。今年早些时候,日本最大的银行MUFG加入了这个工作小组,旨在通过这个区块链在2018年之前推动商业国际银行资金转账。

本次区块链汇款试验被瑞波称为“首个通过其区块链完成的商业级汇款服务”。

The era of near-instant international retail bank transfers, powered by blockchain technology, is taking shape.

The first blockchain-enabled instant remittance service between Japan and Thailand is rolling out today. Launched by Thailand’s Siam Commercial Bank (SCB) in collaboration with Japan’s SBI Remit over Ripple’s blockchain, the service will help establish a new payments rail between the two countries. The Thailand-Japan remittance corridor sees approximately $250 million transferred each year, with some 40,000 Thai nationals living in Japan.

Two to Five Seconds

The commercial blockchain feature will enable individual funds transfers from Japanese Yen to Thai Baht between the two banks. Siam Commercial Bank claims that a transaction, once triggered, will see funds deposited in the recipient’s savings accounts in Thailand within “two to five seconds”, compared to the current ‘2-business days’ norm for payments between the two countries.

SBI Remit director Nobuo Ando underlined the need to enhance existing remittance services to make them faster and cheaper for its retail customers.

“In this case, Ripple was impressive in concept and turned out to be more so in practice,” he added. “Furthermore, we can expect to have more favorable foreign exchange opportunities as Ripple’s network expands.”

To this end, the Siam Commercial Bank – incidentally Thailand’s first bank – is also planning a rollout of the Ripple-powered blockchain service to other key remittance corridors across North America, Europe and Asia Pacific.

The aim, as stated by SCB’s strategy chief Dr. Arak Sutivong, is to “power real-time payments for our customers, whose families oftentimes depend on the availability of these funds for basic needs – time is of the essence to them.”

Blockchain Bank Transfers on the Horizon?

Ripple’s blockchain, the Ripple Consensus Ledger (RCL), has previously been used in a number of remittance pilots including an instant-money transfer between Spain and Mexico in April this year. Back in July 2016, a trial of a Ripple blockchain payment from Canada to Germany took 20 seconds whereas a separate cross-border transfer from Standard Chartered took 10 seconds in September.

Ripple notably launched an interbank blockchain group – comprising of some of the world’s biggest banks – called the ‘Global Payments Steering Group’ in September last year. The working group is tasked to create and maintain rules for the Ripple ledger. Earlier this year, Japan’s biggest bank, MUFG, joined the working group with Ripple announcing its intention to facilitate commercial global bank money transfers over its blockchain by 2018.

Today’s blockchain remittance roll-out is touted by Ripple as “the first commercially-available remittance service” powered by its blockchain.


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