SWIFT yog kev them nyiaj ntau heev. Nws ua haujlwm thoob plaws ntau dua 200 lub teb chaws, muaj 11,000-ntxiv rau cov neeg siv nyiaj txiag thiab xa qee qhov 8.4 billion cov lus nyiaj txiag txhua xyoo. Nws yog tus thawj coj thoob ntiaj teb hauv kev them nyiaj hla ciam teb-rau-bank thiab tsis ntev los no tau ua lub luag haujlwm tseem ceeb hauv West kev nplua nyiaj txiag rau Russia.
Qhov ntawd tsis tau txhais hais tias Belgium-based koom tes tiv thaiv kev cuam tshuam kev cuam tshuam, txawm li cas los xij. Cov neeg thuam tau ntev tswj hwm lub interbank messaging system, nrhiav tau nyob rau hauv 1970s, yog "laus, inflexible, qeeb, thiab nce mus rau cyberattacks." Thaum lub Tsib Hlis, Mastercard CEO Michael Miebach pov rau qhov tsis ntseeg SWIFT lub peev xwm muaj sia nyob rau tsib xyoos tom ntej. Lub caij no, nws tseem raug cuam tshuam los ntawm kev nce qib ntawm blockchain-raws li kev them nyiaj network ntawm ib sab thiab qhov kev cia siab ntawm torrent. Central bank digital currencies (CBDCs) nyob rau lwm yam.
Tab sis, lub lim tiam dhau los, hauv qhov kos npe tias txawm tias cov cuab yeej cuab tam nyiaj txiag tau txais txiaj ntsig tuaj yeem (tej zaum) hloov lawv cov kab txaij, SWIFT tau lees paub qhov ua pov thawj ntawm lub tswv yim project nrog blockchain oracle tus kws kho mob Chainlink. Yog tias txhua yam ua tau zoo, SWIFT cov neeg siv nyiaj hauv tuam txhab tuaj yeem nkag tau yooj yim thiab hloov cov cuab tam digital ntawm ntau lub platform blockchain. Hnub dhau los, SWIFT kuj tau tshaj tawm tias nws tau siv fintech-firm Symbiont lub lag luam blockchain platform los txhim kho nws cov lus rau cov koom haum koom nrog xws li cov nyiaj faib nyiaj thiab kev sib koom ua ke.
Cov kev txhim kho no tsa cov lus nug uas xav tsis thoob: Tsis yog koom nrog kev sib tw xoom rau kev tuag, yog cov nyiaj txiag ib txwm muaj (TradFi) thiab cov tuam txhab nyiaj txiag tsis ncaj ncees (DeFi) tau sib koom ua ke - piv txwv li, txav mus rau qhov nruab nrab nruab nrab uas suav nrog cov cuab tam tokenized, DeFi , interoperability thiab, yog, kev cai?
Co-opting ib tug muaj kev hem thawj?
Matthew Hougan, tus thawj coj peev ntawm Bitwise Asset Management, hais rau Cointelegraph tias "Txhua yam khoom siv nyiaj txiag yuav txav mus los ntawm blockchain network yav tom ntej," "Nws tsis yog qhov xav tsis thoob uas pom cov tuam txhab qub txeeg qub teg tab tom nrhiav kev txais yuav thiab / lossis koom nrog kev siv thev naus laus zis uas sawv cev rau kev hem thawj rau lawv lub neej; qhov tseeb, nws yuav tsum tau qhuas. "
Tau kawg, qhov no tsuas yog kev sim ua haujlwm xwb. Hougan ntxiv, "Nws tsis zoo li SWIFT tau txais kev ntseeg blockchain hmo ntuj thiab tab tom hloov tag nrho lawv cov dej num rau DLT." Tab sis, nws yog qhov pib, thiab rau qhov ntawd, lub network yuav tsum tau qhuas, nws hais.
Nyob rau hauv lub ntiaj teb no evolving sai sai no technology, "tsis muaj qhov chaw rau binary views uas embraces ib tug 'Kuv yeej, koj poob' lub hlwb," tshwj xeeb tshaj yog nyob rau hauv nws cov peev kev lag luam thiab nyiaj txiag sector, Mark Smith, CEO thiab co-founder ntawm Symbiont, hais rau Cointelegraph. , ntxiv ntxiv:
"Thaum kawg qhov xaus li cas los ua tus qauv feem ntau yog hybrid, thiab peb twv yuav raug hu pom kev sib koom ua ke uas yuav qiv los ntawm qhov zoo tshaj plaws uas TradFi thiab DeFi yuav tsum muaj."
Jonathan Solé, tus thawj coj zoo ntawm SWIFT, hais lus nyob rau lub lim tiam dhau los Smartcon 2022 lub rooj sib tham hauv New York, tau lees paub "kev txaus siab tsis txaus ntseeg" ntawm ib feem ntawm cov tuam txhab lag luam hauv cov cuab tam digital "txawm tias cov no yog cov nyiaj ruaj khov, CBDCs lossis txhua yam uas koj tuaj yeem tokenize ntawm lub peev. kev lag luam chaw "nrog rau cov khoom vaj khoom tsev thiab daim ntawv cog lus.
Cov tsev txhab nyiaj thiab lwm lub tuam txhab TradFi tab tom nrhiav SWIFT kom "txhim qhov sib txawv" ntawm lawv cov kev pabcuam hauv vaj tse, xws li kev sib pauv, cov neeg saib xyuas thiab cov tsev tshem tawm, "thiab tag nrho cov blockchains tshiab uas yuav muab cov kev pabcuam no" rau cov cuab tam tokenized, nws hais ntxiv ntawm lub vaj huam sib luag hu ua "Bridging Traditional Finance thiab DeFi."
Kev sib tham tau hloov kho los ntawm Chainlink CEO Sergey Nazarov, uas tau sau tseg tias SWIFT muaj lub ntiaj teb TradFi "qhov tseem ceeb tshaj plaws ntiag tug infrastructure," ntxiv:
"Tsis muaj laj thawj kom tshem tawm ntawm qhov tseem ceeb ntawm cov txheej txheem ntiag tug uas twb muaj kev ruaj ntseg kos npe rau kev hloov pauv mus ib ncig ntawm trillions ntawm tus nqi. Tag nrho cov qauv no tuaj yeem tsuas muaj qhov sib ntxiv ua rau lawv hais tias: blockchain khoom. "
Tab sis, SWIFT "tsis tas xav tsim kom muaj kev sib koom ua ke nrog txhua cov saw hlau hauv ntiaj teb," ntxiv Nazarov, uas yog vim li cas nws thiaj li tau tshawb nrhiav Chainlink's Cross-Chain Interoperability Protocol (CCIP) uas yog txoj hauv kev rau nws "ua kom muaj kev cuam tshuam thoob plaws. tag nrho blockchain ib puag ncig. "
Stephen Prosperi, tus thawj coj ntawm kev tswj hwm cov khoom lag luam thiab kev tswj hwm kev nyab xeeb digital ntawm DTCC, uas muab kev pabcuam tshem tawm thiab kev sib hais haum rau Asmeskas kev lag luam kev nyab xeeb - lwm tus TradFi hnyav - tau hais txog qhov no. Cov nyiaj digital sib txawv "yuav nyob thoob plaws cov saw hlau sib txawv," thiab cov tuam txhab zoo li DTCC tsis xav tsim cov txheej txheem sib cais los txuas rau txhua qhov ntawm 100 blockchains uas xav tau cov cuab yeej digital. Lub ntsiab lus tseem ceeb ntawm kev nkag zoo li CCIP tuaj yeem siv tau.
Puas yog kev hla cov saw hlau ruaj ntseg?
Cov neeg ua haujlwm ntawm Smartcon tsis tau hais txog qee qhov kev sib tw uas cuam tshuam nrog kev sib txuas ntawm cov saw hlau, txawm li cas los xij, suav nrog kev txhawj xeeb txog kev nyab xeeb. Hougan tau hais tias "Yog lawm, muaj kev pheej hmoo kev nyab xeeb nrog cov phiaj xwm hla txoj haujlwm," Hougan hais tias, "yog vim li cas koj xav tau kev sim ua haujlwm zoo li no."
Hla-chain txuas hniav yog tsim los daws cov teeb meem ntawm kev sib cuam tshuam ntawm blockchain platforms. Blockchain tes hauj lwm niaj hnub no - Bitcoin, Ethereum, Solana thiab lwm yam - zoo li txoj kev tsheb ciav hlau nyob rau hauv lub xyoo pua 19th ua ntej taug qab qhov ntsuas qhov ntau thiab tsawg tau ua qauv. Cov neeg caij tsheb thiab cov khoom thauj yuav tsum tau tawm mus rau lwm lub tsheb ciav hlau thaum cov kab tsheb ciav hlau tsis sib haum.
Hla-blockchain txuas hniav yog tsim los daws cov hom kev tsis sib xws, tab sis qhov teeb meem yog lawv zoo li muaj kev cuam tshuam rau hacks. Qee qhov $ 2 nphom tau raug nyiag los ntawm cov txuas hniav hauv 13 cais heists, raws li rau Chainalysis, feem ntau ntawm nws xyoo no. Ethereum tus tsim Vitalik Buterin, ib yam nkaus, tus chij liab hla cov saw hlau tsis ntev los no, qhia tias lawv tuaj yeem pab 51% kev tawm tsam hauv network.
Ib qho teeb meem tseem ceeb zoo li yog tias "choj" zoo li khaws nyiaj ntau ntawm "cov cuab tam kaw" los ntawm cov blockchains sib txawv, qee qhov tsis meej thiab tsis yog ib txwm ua nrog cov yam ntxwv ruaj ntseg zoo, raws li Elliptic's Cross-Chain Report 2022 tso tawm Lub Kaum Hli 4, uas sau tseg:
"Qhov no tau ua txuas txuas rau lub hom phiaj txaus nyiam rau cybercriminals. […] Los ntawm Lub Ib Hlis Ntuj txog Lub Xya Hli 2022, $ 1.2 billion tus nqi ntawm cryptoassets raug nyiag hla yim tus choj cuam tshuam qhov xwm txheej. "
Chainlink ntseeg tau tias nws yuav ua haujlwm zoo dua nrog kev ruaj ntseg dua li cov saw hlau hla tau ua yav dhau los. Nazarov tau hais ntau npaum li hauv kev xam phaj tom qab Smartcom. “Qhov ntawd yog qhov CCIP nrhiav los daws. Thiab kuv tsis xav tias nws yog ib qho teeb meem intractable. Kuv xav tias nws yog ib qho teeb meem daws tau, ”nws hais rau Fortune.
Puas yog lub koom haum ib txwm npaj rau tokenization?
Sib nrug los ntawm kev xav tau kev sib koom tes, puas muaj lwm yam kev sib koom ua ke uas coj TradFi thiab blockchain cov chaw muab kev sib ze? Puas yog cov peev lag luam npaj rau tokenization, piv txwv li, Nazarov nug cov neeg ua haujlwm.
“Zoo, nws yeej nyob ntawm no. Nws yuav tsis ploj mus," Solé teb. "Peb tau txais tag nrho peb cov qauv kev xa xov kom paub tseeb tias peb tuaj yeem ua raws li cov ntaub ntawv xav tau rau cov khoom muaj nqis tokenized."
"Peb tab tom saib qhov tokenizing txhua yam khoom muaj nqis sab hauv," Victor O'Laughlen, tus thawj coj thiab tus thawj coj ntawm kev lag luam tokenization ntawm Bank of New York Mellon (BNY), hais rau pawg thawj coj. BNY tus neeg muag khoom-tus neeg muag khoom thiab tus thawj tswj hwm peev cov neeg siv khoom "tsis xav cais thiab tswj hwm lawv cov peev txheej hauv cov pas dej sib txawv. Lawv xav kom muaj kev paub txog ib tus neeg siv khoom. " Lwm qhov kev nyiam ntawm blockchain-enabled tokenized cov cuab tam yog tias lawv nkag tau 24/7. O'Laughlen ntxiv:
"Nws yog cov infrastructure uas ib txwm nyob twj ywm, txoj cai? Cov lag luam crypto tau yeej thawb cov lag luam nyiaj txiag los xav txog qhov ntawd. Thiab, peb yuav tsum muaj peev xwm txhawb nqa peb cov neeg siv khoom txhua lub sijhawm, hauv txhua qhov chaw. "
Tshaj li kev sib cuam tshuam thiab tokenization, muaj qee qhov kev txaus siab ntawm TradFi cov neeg sawv cev hauv DeFi tej yaam num kom raug - tab sis nrog caveats. Solé hais tias "Yog tias cov kev pabcuam nyiaj txiag xav mus rau hauv DeFi hom, yuav tsum muaj qee yam kev tswj hwm DeFi," said Solé, txawm hais tias qee tus yuav saib qhov ntawd yog qhov tsis sib xws.
Prosperi tau hais txog qhov xav tau rau ib hom "kev tso cai DeFi," ib qho uas tau ua raws li kev ua raws cai. "Thaum kawg ntawm hnub, cov koom haum yuav tsum xav tias lawv yuav tsis raug tsoo ntawm KYC, AML - lawv paub tias leej twg lawv ua lag luam nrog."
BNY Mellon's O'Laughlen pom qee qhov zoo nrog DeFi raws tu qauv, txawm li cas los xij. "DeFi tuaj yeem tau txais txiaj ntsig zoo rau kev ua lag luam niaj hnub, qhov twg yuav tsum muaj peev xwm los txheeb cov roj lub log." Cov tsev kawm ntawv tuaj yeem pib nrog qiv lossis qiv cov khoom muaj nqis lossis nyiaj ntsuab, vim "qee qhov ntau hom vanilla ntawm [DeFi] kev lag luam uas tshwm sim ntawm cov neeg koom tes thiab cov tuam txhab nyiaj txiag yuav yog thawj kauj ruam zoo."
Kev txhawb nqa rau kev txais yuav crypto
Thaum kawg, dab tsi, yog tias muaj dab tsi, puas yog tag nrho cov no tau ua nrog crypto / blockchain saws? Cov kev sib tham hauv Ecumenical zoo li qhov tshwm sim ntawm Smartcon tau txhawb nqa, tab sis puas yuav muaj kev sib koom tes zoo li SWIFT-Chainlink tiag tiag "ua kom nrawm dua ntawm DLT blockchains thiab tau txais txiaj ntsig ntau lub koom haum thoob plaws lub lag luam peev," raws li Nazarov hais?
"Nws yog xov xwm zoo," Hougan hais rau Cointelegraph. "Txhua lub sijhawm ib tus neeg ua haujlwm tseem ceeb lees paub tias nws yuav tsum xav txog qhov cuam tshuam ntawm blockchain thev naus laus zis, nws ua rau nws yooj yim dua rau lwm tus ua li ntawd. Nov yog lwm lub cib nyob hauv phab ntsa. "
"Chainlink muaj txoj haujlwm sib tw muaj zog hauv kev muab cov ntaub ntawv tsis txaus ntseeg thiab tsis ntseeg cov ntaub ntawv, thiab nws loj hlob los ntawm kev sib koom ua ke cov cuab yeej no rau hauv kev lag luam peev thiab kev them nyiaj ntau dua," Lex Sokolin, tus thawj coj saib xyuas nyiaj txiag ntawm ConsenSys, hais rau Cointelegraph. "Lub hom phiaj ntawm blockchains txawv thiab ntau yam. Feem ntau, kuv xav tias kev sib koom ua ke ntau ntxiv rau txoj hauv kev rau kev saws me nyuam. "
Smith, rau nws feem, pom "kev loj hlob tiag tiag" ntawm blockchain thev naus laus zis thoob plaws kev pabcuam nyiaj txiag, saib nws yog "cov ntaub so ntswg" uas yuav ua rau TradFi thiab DeFi ua tiav. Blockchain thev naus laus zis tau tsim thawj zaug los muab kev them nyiaj hauv tuam txhab nyiaj zoo dua, thiab 13 xyoo tom qab, nws "tseem tau txais kev lees paub ntau dua thiab tau txais los ntawm cov tsev txhab nyiaj, cov thawj tswj hwm khoom vaj khoom tsev thiab kev lag luam thoob ntiaj teb," Smith hais.
Tau qhov twg los: https://cointelegraph.com/news/is-payments-giant-swift-preparing-for-a-blockchain-bound-future