香港金管局“数码港元”先导计划取得丰富成果

Core Insights - The Hong Kong Monetary Authority (HKMA) has reported significant outcomes from the two phases of the "e-HKD" pilot program, enhancing its understanding of the future development of digital currencies [1][3] Group 1: Pilot Program Results - The second phase of the "e-HKD" pilot program included 11 experimental use cases focusing on three main themes: tokenized asset settlement, programmability, and offline payments [3] - Results indicate that "e-HKD" and tokenized deposits can facilitate cost-effective, programmable, and robust transactions, benefiting users [3] Group 2: Public Acceptance and Trust - Due to Hong Kong's sound banking regulatory framework and comprehensive consumer protection, there is a high level of public trust in the local banking system, leading to significant acceptance of "e-HKD" and tokenized deposits [3] Group 3: Future Development Plans - The current demand for "e-HKD" is primarily outside retail scenarios, prompting a focus on its application in wholesale contexts [3] - Financial institutions have already begun utilizing "e-HKD" in certain use cases to support the development of the tokenized ecosystem and cross-border payment scenarios, such as international trade settlements [3] - The HKMA plans to continue preparations in policy, legal, and technical aspects for the potential future rollout of "e-HKD" for personal and business use, with preparations expected to be completed by the first half of 2026 [3]