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传统金融的互联网化区块链国际资讯

摩根大通IIN区块链项目引发多家银行关注

传统金融的互联网化区块链国际资讯

摩根大通IIN区块链项目引发多家银行关注

按照过往经验来看,摩根大通和加密货币产业简直就是水火不相容。

比如,华尔街巨头、摩根大通首席执行官Jamie Dimon就曾称比特币是一个骗局。而在此前公布的一份监管文件中,摩根大通也指出,该公司业务总有一天会被加密货币产业打乱。

虽然嘴上是这么说的,但实际上摩根大通却早已开始试水加密货币产业。

2017年10月,摩根大通推出了一款名叫Interbank Information Network(IIN)的平台。该平台建立在该银行的私人Quorom区块链之上,允许摩根大通与其他银行交换信息以解决某些跨境支付的合规问题。目前,已经有摩根大通、加拿大皇家银行、澳大利亚和新西兰银行集团等多家机构参与了这个IIN项目,而摩根大通有关人士指出,还有不少银行业表示了对这个项目的兴趣。

如今跨境支付几大环节中,成本最高、耗时最长的步骤就是代理银行必须研究和回应彼此的合规性查询。而比特币等加密货币及其底层区块链技术能够大大缩减这一过程。

其实,摩根大通并不是唯一一家试水区块链技术的银行。此前,巴克莱银行、瑞士联合银行和瑞士信贷等银行都参与了一项以太坊试点项目,以应对今年在欧洲全面上线的准备金融工具市场指令(MIFID II)监管改革。

JPMorgan and crypto are a pair many might equate to oil and water.

The Wall Street giant's CEO — Jamie Dimon — famously called bitcoin a "fraud." And in a big regulatory filing the bank noted it could one day be disrupted by cryptocurrencies.

But the bank has been running a pilot program to make certain payments faster using cryptocurrency technology. And other banks are looking to get in on the action.

The Wall Street juggernaut launched its so-called Interbank Information Network (IIN) in October 2017 and the firm's chief financial officer Marianne Lake says the initiative is working. The platform, which is built on top of the bank's private Quorom blockchain, allows JPMorgan to exchange information with other banks to address compliance issues in certain cross-border payments, Lake said during the bank's investor day on Tuesday. The pilot involves JPMorgan, Royal Bank of Canada and Australia and New Zealand Banking Group, but Lake said that other banks have "a lot of appetite" to "join the party."

That's not totally surprising considering how difficult cross-border payments can be. The time and expense of such payments is one of the things bitcoin seeks to remedy. A bitcoin holder can send or receive a coin in a matter of minutes, when the network isn't super clogged up.

"One of the most costly and time-consuming elements of executing cross-border payments today is in correspondent banks having to research and respond to compliance inquiries of each other," Lake said "Today, payments that are flagged for compliance reasons can be delayed for up to two weeks, but this technology can reduce that to minutes."

One crypto-evangelist described the project as an "actually pretty cool use-case."

John-Paul Thorbjorsen, the head of crypto company Canya, told Business Insider the pilot shows JPMorgan has "figured out how to make an entry in the space."

Lake said the IIN is the first of many initiatives the bank will spearhead in payments.

"The Interbank Information Network represents the first step in our ability to improve end-to-end wholesale payments," Lake said.

JPMorgan isn't the only bank testing the water with blockchain technology. Barclays, UBS, and Credit Suisse are among the banks that participated in a pilot using Ethereum's blockchain to prepare for Markets in Financial Instruments Directive (MIFID II), a sweeping regulatory overhaul in Europe that went live this year.


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