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区块链国际资讯基于互联网平台的金融业务

支付宝在香港启动区块链跨境汇款服务

6月25日,支付宝(香港)与GCash共同宣布推出电子钱包跨境汇款服务,该平台由支付宝开发的区块链技术提供支持。

两家公司在新闻稿中表示,这个产品是全球首个基于区块链技术的跨境数字钱包汇款服务,为香港与菲律宾之间的账户转账提供了一种快捷、安全、透明和低成本的新模式。据了解,这项新服务不仅收费低于现行水平,而且在产品初上市的3个月内还将推出免手续费优惠。用户只需轻轻在屏幕上点击几下,数秒之内就能完成转账汇款。

可以说,区块链技术将大大提高汇款服务的速度和效率。一旦用户提交了汇款申请,所有网络参与者,包括支付宝(香港)、GCash和渣打银行都会收到通知,交易的验证和执行可以同时进行,寄方和收方也可以通过从汇款到收款后的整个过程追踪资金走向。

渣打银行是这款产品的底层银行基础设施提供方。对于本次合作,渣打商业银行全球主管Lisa Robins表示:

“向菲律宾家人汇款是维持其生活的必不可少的方式。菲律宾是全球第三大汇款市场,2017年流入资金达330亿美元。我们很荣幸能与支付宝(香港)进行合作,并作为他们的银行合作伙伴提供这项新服务,帮助用户提高汇款效率、节约成本、提升安全度。”

AlipayHK and GCash announced Monday (June 25) the launch of a cross-border remittance service via their e-wallet platforms that is powered by blockchain technology developed by Alipay.

In a press release, the companies said it marks the first blockchain-based cross-border digital wallet remittance service globally and provides a fast, secure, transparent and low-cost way to transfer money directly between people in Hong Kong and the Philippines. The service between GCash and AlipayHK will provide round-the-clock, real-time money transfers between Hong Kong and the Philippines at a competitive exchange rate and will have lower transaction fees. The fees will be waived during the initial three month trial period of the service, the companies said in the press release. To transfer money, customers would make a few taps through AlipayHK and the money will arrive into the GCash user’s account within seconds.

According to the companies, blockchain technology allowed them to improve the speed and efficiency for remittance services. Once a user submits a remittance application, all network participants — which include AlipayHK, GCash and Standard Chartered Bank, which is the first bank supporting the initiative — are notified. Because of blockchain technology, the verification and execution of the transaction can happen at the same time. The sender and receiver are also able to track the money through the entire process from when the remittance was made until it is received.

“We are very excited to introduce this new remittance solution to our users in Hong Kong, and in particular to the Filipino community in the city,” said Jennifer Tan, CEO of Alipay Payment Services, in the press release. “What used to be a long process of physically going to a remittance booth, queuing in line for hours and filling out forms, is now easily and securely done over the mobile phone in just a few seconds. Together with GCash, we aim to provide Filipino expatriates a more convenient, seamless experience to transfer money back home to their families in the Philippines. We will also continue to provide tailor-made solutions for our customers as we aim to enhance their daily lives through our secure and fuss-free approach.”

Standard Chartered is providing the underlying banking infrastructure to support this pivotal initiative. Lisa Robins, Global Head, Transaction Banking at Standard Chartered, noted in the press release that “remittances are a lifeblood of many communities in the Philippines,” with the country the third-largest remittance market with $33 billion of inflows in 2017.  “We are proud to collaborate with Ant Financial, and act as their banking partner for this new service to make remittances easier, cheaper and more secure. This evidences our joint commitment to deliver financial services to the unbanked and underbanked and exemplifies our ‘Here for Good’ brand promise,” she said.


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