{ "version": 1, "event_id": "evt_6d432125095fa986", "url": "https://xiyu.news/events/evt_6d432125095fa986/", "json": "https://xiyu.news/api/events/evt_6d432125095fa986.json", "type": "other", "status": "monitoring", "category": "crypto", "title": { "zh": "英国最大型银行完成全球首笔使用代币化存款的银行间交易", "en": "UK’s largest banks complete world’s first interbank transactions using tokenized deposits" }, "current_state": { "zh": "七家英国最大型银行——巴克莱、汇丰、劳埃德银行集团、Monzo、Nationwide、NatWest 和桑坦德——于周四宣布，已在由分布式账本技术提供商 Quant 搭建的共享平台上，完成全球首笔使用代币化英镑存款的客户交易。测试内容包括再抵押贷款（转按揭）付款和一笔消费者购物支付。\n\n该项目旨在检验受监管的银行资金能否以代币化形式在机构之间流转并用于零售支付，从而使银行发行的数字现金不再局限于单一机构内部。英国财政部经济事务大臣 Lucy Rigby 表示，这些真实交易“展示了代币化存款如何带来切实的现实收益——有条件支付让客户对自己的资金拥有更大控制权”。\n\n参与银行是在“Great British Tokenized Deposit”倡议下开展相关业务的；与稳定币不同，代币化存款仍是发行银行的负债，并保留传统存款所附带的保护。根据公告，该小组下一步将测试使用代币化客户资金结算数字资产。", "en": "Seven major UK banks completed the world's first interbank and customer transactions using tokenized British pound deposits on a shared Quant-built platform, covering remortgage payments and a retail purchase test." }, "first_seen_at": "2026-09-24T17:26:34.872028+00:00", "last_updated_at": "2026-09-24T17:26:34.872028+00:00", "last_material_change_at": "2026-09-24T17:26:34.872028+00:00", "confidence": 0.75, "updates_count": 1, "sources_count": 1, "entities": [ "tokenized-deposits" ], "identifiers": [], "topics": [ "tokenized-deposits" ], "updates": [ { "update_id": "upd_b22448303ee4c1cf", "event_id": "evt_6d432125095fa986", "occurred_at": "2026-09-24T15:07:18Z", "published_at": "2026-09-24T15:07:18Z", "first_seen_at": "2026-09-24T17:26:34.872028Z", "time_precision": "published", "update_type": "initial", "material_change": true, "title_zh": "英国最大型银行完成全球首笔使用代币化存款的银行间交易", "title_en": "UK’s largest banks complete world’s first interbank transactions using tokenized deposits", "what_changed_zh": "七家英国最大型银行——巴克莱、汇丰、劳埃德银行集团、Monzo、Nationwide、NatWest 和桑坦德——于周四宣布，已在由分布式账本技术提供商 Quant 搭建的共享平台上，完成全球首笔使用代币化英镑存款的客户交易。测试内容包括再抵押贷款（转按揭）付款和一笔消费者购物支付。\n\n该项目旨在检验受监管的银行资金能否以代币化形式在机构之间流转并用于零售支付，从而使银行发行的数字现金不再局限于单一机构内部。英国财政部经济事务大臣 Lucy Rigby 表示，这些真实交易“展示了代币化存款如何带来切实的现实收益——有条件支付让客户对自己的资金拥有更大控制权”。\n\n参与银行是在“Great British Tokenized Deposit”倡议下开展相关业务的；与稳定币不同，代币化存款仍是发行银行的负债，并保留传统存款所附带的保护。根据公告，该小组下一步将测试使用代币化客户资金结算数字资产。", "what_changed_en": "Seven major UK banks completed the world's first interbank and customer transactions using tokenized British pound deposits on a shared Quant-built platform, covering remortgage payments and a retail purchase test.", "current_state_zh": "七家英国最大型银行——巴克莱、汇丰、劳埃德银行集团、Monzo、Nationwide、NatWest 和桑坦德——于周四宣布，已在由分布式账本技术提供商 Quant 搭建的共享平台上，完成全球首笔使用代币化英镑存款的客户交易。测试内容包括再抵押贷款（转按揭）付款和一笔消费者购物支付。\n\n该项目旨在检验受监管的银行资金能否以代币化形式在机构之间流转并用于零售支付，从而使银行发行的数字现金不再局限于单一机构内部。英国财政部经济事务大臣 Lucy Rigby 表示，这些真实交易“展示了代币化存款如何带来切实的现实收益——有条件支付让客户对自己的资金拥有更大控制权”。\n\n参与银行是在“Great British Tokenized Deposit”倡议下开展相关业务的；与稳定币不同，代币化存款仍是发行银行的负债，并保留传统存款所附带的保护。根据公告，该小组下一步将测试使用代币化客户资金结算数字资产。", "current_state_en": "Seven major UK banks completed the world's first interbank and customer transactions using tokenized British pound deposits on a shared Quant-built platform, covering remortgage payments and a retail purchase test.", "detailed_summary_zh": "Seven major UK banks completed the world's first interbank and customer transactions using tokenized British pound deposits on a shared Quant-built platform, covering remortgage payments and a retail purchase test.", "detailed_summary_en": "Seven major UK banks completed the world's first interbank and customer transactions using tokenized British pound deposits on a shared Quant-built platform, covering remortgage payments and a retail purchase test.", "background_zh": "此次测试之际，英格兰银行与英国金融行为监管局（FCA）正在为英国金融体系迎接代币化和更长结算时间做准备，并考虑在机构结算中引入稳定币的同时支持代币化市场。此次多家银行共用一套系统，与劳埃德近期在自身体系内使用代币化存款购买代币化英国国债的做法有所不同。", "background_en": "The tests come as the Bank of England and the Financial Conduct Authority prepare the U.K. financial system for tokenization and longer settlement hours, and weigh support for tokenized markets while considering stablecoins for institutional settlement. The multi-bank common system contrasts with a recent Lloyds initiative that used tokenized deposits to buy a tokenized gilt within its own arrangement.", "community_discussion_zh": "", "community_discussion_en": "", "market_impact_zh": "该试点显示机构对代币化银行资金共享结算基础设施存在需求，这一领域与稳定币在受监管支付与结算流量上形成竞争，也使 Quant 等分布式账本基础设施提供商进入银行采用的视野。由于这些交易仍属试点而非生产规模的基础设施，短期内实际市场影响仍然有限。", "market_impact_en": "The pilot signals institutional demand for shared settlement infrastructure for tokenized bank money, a segment that competes with stablecoins for regulated payment and settlement flows, and it puts distributed-ledger infrastructure providers such as Quant in view of bank adoption. Concrete near-term market effects remain limited because the transactions are a pilot rather than production-scale infrastructure.", "importance_score": 7.5, "references": [ { "url": "https://www.coindesk.com/business/2026/09/24/uk-s-largest-banks-complete-world-s-first-interbank-transactions-using-tokenized-deposits", "title": "Major UK banks execute world’s first interbank customer..." }, { "url": "https://www.tradingview.com/news/coinpedia:bdb5e0fb8094b:0-uk-banks-make-history-with-first-interbank-transactions-using-tokenized-deposits/", "title": "UK Banks Make History With First Interbank Transactions Using..." }, { "url": "https://www.brookings.edu/articles/what-are-the-differences-between-payment-stablecoins-and-tokenized-bank-deposits/", "title": "What are the differences between payment stablecoins and tokenized bank deposits? | Brookings" } ], "confidence": 0.75, "story_ids": [ "rss:www.coindesk.com_arc_outboundfeeds_rss_:8099c383b08a9b8e" ], "sources": [ { "url": "https://www.coindesk.com/business/2026/09/24/uk-s-largest-banks-complete-world-s-first-interbank-transactions-using-tokenized-deposits", "label": "CoinDesk", "source_type": "rss", "official": false } ] } ] }