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区块链国际资讯

卷土重来?R3携手22家银行推出全新区块链支付系统

10月31日,企业软件平台R3宣布将携手22家银行,共同开发一套全新的基于区块链的跨境支付系统,提高支付过程的整体效率与速度。

R3表示,这个Corda平台建立完成后计划与央行数字货币系统联合互通使用。

这个区块链平台借助智能合同,不仅可以提供高效率的支付服务,而且隐私性和安全度也有相当保障。不仅普通层级的交易服务能够从中获益,还有望大幅推动国际即时支付业务的发展,减少行业欺诈、流动性暂缓等问题给商业贸易带来的种种影响。

据了解,这个系统是R3与100多位组织成员联合研究两年多的成果。本次参与新支付系统的银行共有22家,其中包括巴克莱、BBVA银行、加拿大帝国商业银行、德国商业银行、挪威银行、汇丰银行、意大利联合圣保罗银行、比利时联合银行、韩国国民银行、韩亚银行、法国外贸银行、新韩银行、加拿大道明银行、美国合众银行和韩国友利银行等。

R3表示,这个Corda产品预计将于2017年年底正式对外公布。

Enterprise software firm R3 announced on Tuesday it and 22 of its member banks have developed a solution that leverages distributed ledger technology (DLT) to enable fast, efficient and cost-effective cross-border payments. R3 revealed that the Corda platform was built to facilitate the full payments workflow and works by creating a representation of fiat currencies on ledger. It is programmed to enable interaction with central bank digital currencies as they are rolled out.

According to R3, Corda is a blockchain-inspired platform that removes costly friction in business transactions by enabling institutions to transact directly using smart contracts, while ensuring the highest levels of privacy and security. It is the outcome of over two years of intense research and development by R3 and its more than 100 members. R3 also reported that the solution will improve world trade efficiencies by facilitating instant international payments. It offers a direct alternative to current systems that can take days to complete an international payment, costing businesses millions, slowing down trade, increasing settlement and fraud risks and causing a liquidity drain for banks.

Banks involved in the initiative include Barclays, BBVA, CIBC, Commerzbank, DNB, HSBC, Intesa, KBC, KB Kookmin Bank, KEB Hana Bank, Natixis, Shinhan Bank, TD Bank, U.S. Bank and Woori Bank.

R3 went on to add that Corda’s prototype will be released by the end of 2017.


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