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传统金融的互联网化区块链国际资讯

三菱财团宣布推出基于区块链的付款清算网络

5月21日,日本最大规模银行三菱UFJ金融集团(后文简称MUFG)宣布与美国Akamai Technologies达成协议,开发基于区块链技术的新型支付网络平台。

区块链上的网络平台付款

两家公司将利用分类账技术开发支付处理网络。三菱方面相信,该平台在开发时将成为现有最快的支付处理网络。此外,它将拥有每秒高达一百万次的处理容量,并将在两秒内完成对交易的验证。

该平台将使用三菱现有的支付业务模式进行改造,与区块链技术以及Akamai全球云交付平台相结合。

MUFG总裁兼集团首席执行官Nobuyuki Hirano表示:“多年来,金融业一直试图利用区块链来保护和加速交易处理,并降低相关成本,”而基于区块链的新支付结算平台将“在不妥协安全级别的情况下进行更大量的高速支付交易。”

该平台预计将于2019年投入使用,并将与物联网和其他设备兼容。

基于区块链的支付网络的详细信息

交易验证的速度主要取决于节点的数量和它们之间一致的速度。比特币区块链在处理大规模操作时陷入困境。

因此,目前就出现了诸如闪电网络和其他非连锁的解决方案。MUFG和Akamai将利用后者的云交付平台解决这个问题,该云平台由位于135个国家超过3800个节点的服务器组成,这些服务器构成的网络可以确保通过互联网实现节点之间的数据高速传输。

新网络将允许在不牺牲区块链基本结构或功能的情况下高速创建新的区块。MUFG在其声明中强调,降低管理金融交易所设计的成本是该项目的关键目标。

据报道,日本最大并且世界第五大银行也在2019年之前推出了自己的加密货币的高级开放项目。当地媒体NHK在2018年5月15日表示,该银行计划推出其数字货币“MUFG Coin”,该数字货币的试用将在日本国内超过10万名MUFG用户中开启试用。

Japan’s largest bank Mitsubishi UFJ Financial Group (MUFG) announced an agreement with America based Akamai Technologies on May 21, 2018, to develop a new payment network platform based on blockchain technology. The announcement was made via a press release by Mitsubishi.

Payment Network Platform on the Blockchain

The two companies will develop a payment processing network using the ledger technology. Mitsubishi believes that the platform, when developed, will be the fastest payment processing network in existence. Moreover, it will boast a capacity of up to a million transactions per second and validate transactions within two seconds.

The platform will be built using Mitsubishi’s existing payments business model remodeled to work with blockchain technology combined with Akamai’s global cloud delivery platform. The statement read:

“MUFG and Akamai, using Akamai’s globally deployed high-speed and high-security platform, will utilize this new blockchain’s high-speed processing and secure value transfer abilities to promote pay-per-use, micropayments, and other new IoT generation payment methods, and to support the diverse payment options of the sharing economy by offering an open platform.”

Nobuyuki Hirano, president and group CEO of MUFG said, “For years, the financial industry has sought to utilize blockchain to secure and hasten transaction processing, and lower associated costs,” while the new blockchain based payment settlement platform will, “support significantly greater volumes of high-speed payment transactions without compromising the level of security required to combat fraudulent transactions.”

The platform is expected to be operational by 2019 and will be compatible with IoT and other devices. The press release also highlighted Mitsubishi’s previous work with Akamai when it tested its high speed and network. “MUFG and Akamai verified that by using this new blockchain technology under realistic business conditions, Akamai’s platform was capable to process transactions in less than two seconds,” said the media release.

Details of the Blockchain Based Payment Network

The speed of the verifying of transactions is mainly dependent on the number of nodes and the speed of consensus between them. The Bitcoin Blockchain has had issues with handling a large number of operations.

As a result, the currency has seen significant innovations to solve this problem, in the form of the Lightning Network and other off-chain solutions. MUFG and Akamai will tackle this problem with the latter’s cloud delivery platform that consists of server groups located at more than 3,800 points across 135 countries that help enable high-speed transfer of data between nodes over the internet.

The new network will permit the creation of new blocks at high speeds without sacrificing the fundamental structure or features of the blockchain. MUFG highlighted in its statement that the reduction of the cost involved in managing financial transactions is a crucial aim of the project.

MUFG, Japan’s largest and the world’s fifth-largest bank was also reported to be in advanced development of launching its own cryptocurrency by 2019. Local media outlet NHK stated on May 15, 2018, the bank’s plans to launch its digital currency “MUFG Coin.” The trial of the token would be open to over 100,000 customers of MUFG in Japan on an opt-in basis.


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