最有看点的互联网乐天堂娱乐门户

最有看点的互联网乐天堂娱乐门户
传统乐天堂娱乐的互联网化区块链国际资讯

英国央行成功试水区块链技术,跨境支付快至几秒

7月中旬,英国央行英格兰银行利用模拟区块链技术,成功进行了央行间分布式账本项目(interledger)的测试,同步两个中央银行系统之间的支付交易。测试显示,不同国家央行间的大批支付可以从2-4天缩减为几秒;并且减少对第三方交易对手的依赖,降低风险与成本。

技术开发方为加利福尼亚一家区块链公司Ripple。测试并不涉及真正意义上的钱,也不涉及英国央行任何的核心系统,甚至也无需真正动用区块链技术,但测试的成功仍然标志着区域链应用的重大突破。

英国央行想测试的是,他们是否可以从自己的实时结算系统(RTGS),批量同步支付数百万英镑到另一个中央银行系统。

英国央行介绍,他们在云计算平台上设置了两个模拟的实时结算系统,利用Ripple的分布式账本成功模拟出了一笔跨境支付交易。并且,如果在发起跨境支付时,接收方验证失败的话,将无法成功接收该笔资金。

英国央行行长马克·卡尼称,英国央行实时结算系统已经工作了21年,但要适应乐天堂娱乐业的不断变革,必须革新这一系统。

其实,英国央行的实验并非一次就成功了。三年前,部分支付系统遭遇了相当尴尬的九个小时宕机,马克·卡尼就启动了改革。但当时得出的结论是,分布式分帐技术、共享数据库和加密系统支撑的虚拟货币如比特币,不足以支撑银行实时结算系统。

但此次Ripple测试进一步确认了,支付结算系统与新技术的兼容性;不过仍需要改善的是,处理大批跨境支付时的流动性问题。

Ripple欧洲负责人称,分布式账本使用加密算法,安全地协调资金转移。最显著的价值是,可以大幅缩减大型跨境支付的结算时间,从2到4天减少到只要几秒钟。此外,“比起依赖一系列的第三方交易对手,测试成功的从中央银行到中央银行的支付,既降低了风险,又降低了成本”。

今年5月,因为一些基础技术矛盾,加拿大央行正式放弃区块链实验,随后引来大量针对区块链的质疑和攻击。但英国央行持更乐观的态度,期望通过驾驭新科技,使其支付核心系统为未来的变化做好准备。

The Bank of England has carried out a successful test of an “interledger” programme developed by Ripple, the California-based blockchain specialist, to synchronise a payment between two central banks’ systems.

The test did not involve real money, nor any of the BoE’s core systems, or even use blockchain technology itself. However, the proof of concept announced on Monday evening marks an important moment for the blockchain community.

“This is really about connectivity between central bank systems rather than replacing the central bank systems with the blockchain,” Daniel Aranda, head of Europe at Ripple, told the Financial Times. “It allows money to move between countries near-instantaneously and without settlement risk.”

The BoE tested whether it could synchronise a multimillion-pound wholesale payment passing from its own settlement system, known as the Real-Time Gross Settlement (RTGS), to another central bank’s core system.

The central bank said it set up two simulated RTGS systems on a cloud computing platform, using the Ripple interledger to simultaneously process “a successful cross-border payment”. “We also demonstrated that an attempted cross-border payment that failed validation on the receiving side would not be honoured,” it said.?

The 21-year-old RTGS system handles about £500bn of payments between banks every day, facilitating a huge range of transactions — from settling company invoices to house purchases.

Mark Carney, governor of the BoE, has said that changes are needed to help RTGS handle new demands as the financial industry evolves.

He launched the overhaul three years ago after parts of the payments system suffered an embarrassing nine-hour outage that forced the BoE to start processing important transactions manually.

The central bank has already concluded that distributed ledger technology, the shared database and cryptographic system that underpins virtual currencies such as bitcoin, is “not sufficiently mature” to support the core RTGS system.

But it said the test of Ripple’s software had reinforced its intention to ensure the new payments settlement system was fully compatible with the new technology and “highlighted areas where we would like to conduct more exploratory work”.

One question it flagged as needing more work was how to handle issues around the availability of liquidity when processing wholesale cross-border payments.

Mr Aranda at Ripple said the test showed that the interledger, which uses cryptographic algorithms to securely co-ordinate money transfers, could reduce the time it takes to settle a large cross-border payment from between two and four days to “only a few seconds”.

“Instead of having to rely on a series of counterparties, it is central bank to central bank, which is lower risk and therefore lower cost,” he said.

In May, the Bank of Canada officially abandoned its experiment with blockchain, or distributed ledger technology, citing “a fundamental inconsistency or tension” between the country’s centralised wholesale interbank payment system and the decentralised principle of blockchain.

That provided plenty of ammunition to blockchain sceptics. But it contrasts with the more upbeat tone from the BoE, itself run by a former Bank of Canada governor, about its progress on harnessing new technologies to make its core payments system ready for the future.


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