The world's top four banks to develop new digital currency: currency core-banking, currency, digital money-IT information
World's biggest four banks had begun to develop a new form of digital currency, they believe that this will be the use of block chain (blockchain) industry standards for clearing and settlement of financial transactions. Block chain is supported currency (bitcoin) behind the technology.
First to develop "multi-functional settlement currency" (utility settlement coin), UBS (UBS) and Deutsche Bank have joined forces (Deutsche Bank), Santander (Santander), Bank of New York Mellon (BNY Mellon)--and the brokerage firm e-link (ICAP)-China's Central Bank to countries to promote this philosophy towards the beginning of 2018 will be commercially available.
This is the first time a group of large banks together to cooperate on a concrete block chain, in order to fully leverage the power of decentralized computer network, improving the efficiency of financial markets.
"Today, trading between banks and institutions difficult, time-consuming and expensive, that is why we have a huge back office," Santander, head of research and innovation huliao·Fula (Julio Faura) said, "this will streamline operations and improve efficiency. ”
Block chain is a complex set of algorithms, so-called encryption monetary (including coins) without the need for Central accounts through the computer network for electronic transactions and verification.
Initially skeptical of banks for fear of fraud, is now exploring the use of this technology back-office settlement system faster, freeing bundled support vast amounts of capital on the global market.
Oliver Wyman (Oliver Wyman), according to a report published last year, financial year clearing and settlement transactions between the total cost is estimated at 65 billion to 80 billion dollars.
Founded by hedge fund investors and trading executives SETL company, headquartered in London, also sought to use digital currencies direct connection with the States of China's Central Bank as financial markets settle payments.
Citigroup (Citigroup) is working on their own "Citicoin" solution, Goldman (Goldman Sachs) already allows near-instantaneous settlement of transactions of "SETLcoin" applied for a patent. JPMorgan Chase (JPMorgan) is advancing a similar project.
Multi-function settlement currency is based on a solution developed by Clearmatics Technologies, designed to allow financial institutions without having to wait for traditional transfers to complete, could pay for securities. They will be the Central Bank of China will convert digital currency into cash.
Using the block chain stores digital cash, securities can be traded quickly exchanged.
UBS financial services Director of technology innovation haideer·jiefuli (Hyder Jaffrey) said: "you need a distributed digital cash on their books, in order to gain maximum benefit from these technologies. "He said, the project team's goal is to put on in the beginning of 2018" limited, low risk "commercial.
The Federal Reserve (Fed), the United Kingdom, China's Central Bank (Bank of England), Canada, China's Central Bank (Bank of Canada), China's Central Bank is to examine the potential benefits of digital currency. But there are still concerns about its safety and the impact on the stability of banking.
全球四大银行合作研发新数字货币：基于比特币核心技术 - 银行,比特币,数字货币 - IT资讯
全球最大的四家银行已经开始合作研发一种新形式数字货币，他们相信这种数字货币将成为利用区块链(blockchain)清算和结算金融交易的行业标准。区块链是支撑比特币(bitcoin)背后的技术。
率先研发出“多功能结算币”(utility settlement coin)的瑞银(UBS)，已联手德意志银行(Deutsche Bank)、桑坦德银行(Santander)、纽约梅隆银行(BNY Mellon)——以及经纪公司毅联汇业(ICAP)——一道向各国中国中央银行推介这一理念，争取在2018年初将其投入商用。
此举是一组大型银行首次联手就一种具体的区块链技术进行合作，以充分利用分散化的计算机网络的威力，提高金融市场运转效率。
“如今，银行与机构间的交易困难、耗时且费用巨大，这就是为什么我们都拥有庞大的后台办公室，”桑坦德银行研发与创新主管胡利奥·福拉(Julio Faura)说，“这样做可以精简运作，提高效率。”
区块链技术是一套复杂的算法，让所谓的加密货币（包括比特币）无需中央账本即可通过计算机网络进行电子交易和验证。
起初因担心欺诈而持怀疑态度的银行，如今正在探索如何利用这项技术加快后台结算系统的速度，腾出捆绑在支持全球市场交易上的巨额资本。
奥纬咨询(Oliver Wyman)去年发布的一份报告显示，金融业每年清算和结算交易的总成本估计在650亿至800亿美元之间。
由对冲基金投资者和交易高管创立、总部位于伦敦的SETL公司，也力求利用与各国中国中央银行直接连接的数字货币为金融市场结算支付。
花旗集团(Citigroup)正在研究自己的“Citicoin”解决方案，高盛(Goldman Sachs)已经为可以让交易近乎瞬间完成结算的“SETLcoin”申请了专利。摩根大通(JPMorgan)也在推进类似项目。
多功能结算币基于由Clearmatics Technologies研发的一种解决方案，旨在让金融机构无需等待传统转账完成就可以为证券进行支付。他们会在各中国中央银行将数字货币转换成现金。
利用区块链存储的数字货币，可以与被交易的证券迅速实现交换。
瑞银金融科技创新主管海德尔·杰弗里(Hyder Jaffrey)说：“你需要一种分布式账本上的数字货币，才能从这些技术中获得最大效益。”他表示，项目团队的目标是在2018年初投入“有限、低风险”的商用。
美联储(Fed)、英国中国中央银行(Bank of England)、加拿大中国中央银行(Bank of Canada)等中国中央银行都在考察数字货币的潜在好处。但各方仍存在对其安全性以及对银行业稳定性影响的担忧。