机构数字资产：金融的未来就在这里
作者：Annelise Osborne，著有《从连帽衫到西装：传统金融的数字资产创新》，该书于 2024 年 6 月出版。来源：CoinDesk；编译：五铢，虚拟币交易所平台,数字货币,NFT
The author is the author of the innovation of digital assets from hoodies to suits and traditional finance. The book was published in June and compiled by digital currency, a five-baht virtual currency exchange platform. 比特币今日价格行情网_okx交易所app_永续合约_比特币怎么买卖交易_虚拟币交易所平台
“加密年”通常被认为是将一年的创新压缩到通常需要七年的时间跨度内。也就是说，在采用创新时，机构不会在加密年采取行动。他们在幕后测试并慢慢构建，这些项目就像春天的花朵和樱花一样开始绽放。
"Crypto year" is typically seen as compressing a year's worth of innovation into the usual seven-year timeframe. That means, when adopting innovation, institutions don't act in the crypto year. They test behind the scenes and slowly build, with these projects blooming like spring flowers and cherry blossoms.
最近的头条新闻是全球最大的资产管理公司贝莱德（BlackRock）与具有前瞻性思维的商业头脑一起推出了由美国国债（BUIDL）支持并在公共区块链上启动的基于区块链的代币化基金。 富兰克林邓普顿 (Franklin Templeton)、汉密尔顿 (Hamilton Lane) 和 WisdomTree 等巨头已将“40 法案”基金代币化。 KKR、Apollo 和 Hamilton Lane 也对私募股权基金进行了代币化。 摩根大通已经证明了回购市场的代币化和实际成本节省。 法国兴业银行、汇丰银行和欧洲银行都发行了代币化债券。 但这些只是少数。
The recent headline news is the world's largest asset management company BlackRock, along with forward-thinking business minds, launching a blockchain-based tokenized fund supported by US Treasury bills (BUIDL) and launched on a public blockchain. Giants like Franklin Templeton, Hamilton Lane, and WisdomTree have tokenized "40 Act" funds. KKR, Apollo, and Hamilton Lane have also tokenized private equity funds. JPMorgan Chase has already demonstrated tokenization of the repo market and real cost savings. French banks Société Générale, HSBC, and European banks have all issued tokenized bonds. But these are just a few.
许多概念验证正在进行中，例如花旗、WisdomTree 和 Wellington 在私人市场领域的合作。 Project Guardian 汇集了众多银行和交易对手，以彻底改变财富管理。 DTCC、SWIFT、贝莱德、巴克莱、摩根大通、巴克莱、花旗、先锋等多家机构在结算和清算方面进行了尝试。
Many proof-of-concepts are underway, such as Citigroup, WisdomTree, and Wellington's collaboration in the private market sector. Project Guardian has brought together numerous banks and counterparties to fundamentally change wealth management. Institutions like DTCC, SWIFT, BlackRock, Barclays, JPMorgan Chase, Barclays, Citigroup, Vanguard, and others are experimenting with settlement and clearing.
通过使用区块链技术和数字资产，资本市场效率已经取得并正在取得进展。 这并非昙花一现的时尚。
Capital market efficiency has been achieved and is progressing through the use of blockchain technology and digital assets. This is not a passing fashion.
让我们深入探讨两个关键用例：1. 数字货币或稳定币；2. 传统投资机会的代币化，通常称为“现实世界资产”(RWA)。
Let's delve into two key use cases: 1. Digital currencies or stablecoins; 2. Tokenization of traditional investment opportunities, often referred to as "Real World Assets" (RWA).
稳定币：就像闪电一样
稳定币是一种加密货币，旨在具有“稳定”价值，通常由货币或稳定资产支持。 资本市场的支柱是货币，稳定币是货币的数字复制。 与所有加密货币一样，稳定币会立即转移所有权，而不是稍后结算或浮动。 它们也是可编程的。 稳定币市值高达 1570 亿美元。
Stablecoins are a type of cryptocurrency designed to have a "stable" value, usually backed by currencies or stable assets. The cornerstone of capital markets is currency, and stablecoins are digital replicas of currency. Like all cryptocurrencies, stablecoins transfer ownership immediately rather than settling or floating later. They are also programmable. The market value of stablecoins is as high as $157 billion.
自从采用信用卡以及转向借记卡和移动钱包以来，对现金或法定货币的依赖已显著减少。 2023 年，美国现金支付仅占交易量的 12%。 大多数银行转账、工资支付和账单都是在银行和账户之间转移的一系
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