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区块链国际资讯

携手Ripple,桑坦德推出基于区块链转账服务

近日,桑坦德分别在西班牙、英国、巴西和波兰个人用户中推出了一款全新的国际汇款服务。

该项服务名为“Santander One Pay FX”,采用由Ripple公司开发的xCurrent分布式账本技术,能够让用户享受到实时或者第二天的国际汇款到账服务。

过去18个月里,桑坦德一直在就这一项目进行积极试验。Finextra在该银行2017年收入报告中首次对外披露了这一项目

据了解,桑坦德银行曾下设一个2亿美元的金融科技风投基金InnoVentures,该基金曾经在2015年投资过Ripple。

桑坦德银行2亿美元的fintech风险投资基金InnoVentures于2015年投资于Ripple。

Santander执行主席Ana Botin表示,未来几个月桑坦德还计划推出更多功能,包括在夏季之前在多个市场提供即时国际支付。

根据目前的产品,这四个国家的每一个都将根据市场情况为客户提供不同的付款方式。例如,西班牙的客户将能够将美元汇至美国,英镑汇入英国。英国的客户可以将欧元发送到21个国家和美元给美国,巴西和波兰可以将英镑发送到英国。

 

Santander has rolled out its Ripple-based international money transfer service for personal customers in Spain, the UK, Brazil and Poland. The new service, known as ‘Santander One Pay FX’, makes it possible for customers to complete international transfers in near real-time or by the next day.

Santander has been piloting the mobile-based application for 18 months with bank staffers. Plans for the live roll out were first revealed by Finextra on the occasion of the bank's 2017 earning presentation.

The bank is using xCurrent, a technology based on distributed ledgers owned by California-based Ripple to power the service. InnoVentures, Santander’s $200 million fintech venture capital fund, invested in Ripple in 2015.

Ana Botin, Santander executive chair, says: “Blockchain technology offers tremendous opportunities to improve the services we offer our customers, and the launch of Santander One Pay FX is the first of many potential applications”.

She says the bank plans to add more features in the coming months, including offering instant international payments in several markets before the summer.

Under the current offering, each of the four countries will offer customers different payment options depending on the market. Customers in Spain, for example, will be able to send dollars to USA and pounds to UK. Customers in the UK will be able to send euros to 21 countries and dollars to USA, and from Brazil and Poland, pounds can be sent to the UK.

“Transfers to Europe can be made on the same day and we are aiming to deliver instant transfers across several markets by the summer," says Botin. “Our goal is to help the thousands of people who use international payments services every day, and we will be adding more currencies and destinations in the coming months."


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