香港金管局：未来将优先发展数码港元应用于批发层面

Core Insights - The Hong Kong Monetary Authority (HKMA) has released the second phase report of the "Digital Hong Kong Dollar" pilot program, indicating a lack of significant demand or use cases for retail applications, leading to a focus on wholesale applications for interbank payments [1][2] - The HKMA has been researching central bank digital currency (CBDC) since 2017, utilizing distributed ledger technology, and believes that the "Digital Hong Kong Dollar" can facilitate cost-effective, programmable, and robust transactions [1] - The HKMA has assisted the government in issuing two batches of tokenized bonds, with plans for a third batch, aiming to enhance automation and increase bank participation in the issuance process [1] Future Developments - The HKMA plans to continue preparations in policy, legal, and technological aspects to potentially expand the "Digital Hong Kong Dollar" for personal and business use, with completion expected by the first half of 2026 [2] - The timing for the expansion of the "Digital Hong Kong Dollar" will be adjusted based on international developments, technological advancements, and market demand [2] - The HKMA's president expressed optimism about the outcomes of the pilot program phases and emphasized the importance of collaboration with the industry for future developments in CBDC and tokenization [2]