Ant International, HSBC and Swift say they have tested a new cross-border payment solution.By completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.The initiative involved the cross-border transfer of tokenized deposits usi ...

Ant International, HSBC and Swift have successfully tested cross-border transfers of tokenised deposits using an international financial messaging standard, in a move that could streamline global blockchain-based payments and corporate treasury management. The milestone, announced on Thursday, marked the first case leveraging the Swift network and ISO 20022 as a messaging standard in cross-border payments using tokenised deposits. The standard is a universal language for exchanging electronic data in fi ...

SINGAPORE--(BUSINESS WIRE)--Ant International, HSBC and Swift today have completed a successful Proof of Concept (POC) for the cross-border transfer of tokenised deposits using ISO 20022 standards. The initiative leverages Swift's global messaging network and HSBC's recently launched Tokenised Deposit Service, combined with Ant International's blockchain technology. The POC marks a key milestone in Ant International, HSBC, and Swift's efforts to help businesses unlock the full benefits of token. ...

文章核心观点 - ISO 20022已成为金融信息传递的通用标准，其最大的优势之一在于整合数字资产的可能性 [1][5] - 在基于ISO 20022的金融体系中，并非所有稳定币都能被同等程度地整合，关键在于其能否在银行和市场基础设施使用的信息流中被清晰识别和指示 [5][6] ISO 20022标准与稳定币整合 - ISO 20022是一种资产无关的金融信息传递语言，同一条结算信息可用于描述传统法币转账、代币化互换或稳定币支付 [2] - 该标准本身不批准或禁止任何特定的稳定币，稳定币只是另一种可以用该语言描述的结算资产 [2] - 将稳定币整合到SWIFT或其他基于ISO 20022的支付系统中，首先需要标准化的标识符 [2] 数字资产的标识符标准 - 银行正越来越多地采用基于ISO 24165的新框架，该框架为基于区块链的数字资产定义了唯一的字母数字代码 [3] - 任何在分布式账本上发行的同质化代币都可以被分配一个ISO 24165数字代币标识符（DTI） [3] - 目前大多数主流稳定币在不同网络上的每个实例都已拥有DTI代码 [3] 关于“ISO 20022兼容”的辨析 - 市场上关于“ISO 20022代币”的营销宣传存在误导，区块链本身在协议层面并不天然兼容ISO 20022 [6] - 实现与传统金融的深度整合，稳定币需要被广泛接受的DTI注册信息，并能映射到官方的ISIN [6]