专访Swift北亚区总裁杨文：已开展CBDC真实交易试点，将增加基于区块链的共享账本

Core Insights - The global financial market is trending towards multipolarity and regionalization, with steady progress in the internationalization of the Renminbi and improvements in local currency settlement mechanisms [1][3] - Digital technologies such as blockchain and AI are reshaping the foundational logic of finance, with Swift innovating to achieve real-time and secure cross-border payments [1][3] - Swift is actively involved in CBDC (Central Bank Digital Currency) experiments and has validated its role as a unified access point for digital assets and currencies [1][6] Group 1: CBDC and Digital Assets - Swift has conducted a series of CBDC and digital asset experiments with global financial institutions, confirming its feasibility as a unified access point [6] - In 2025, Swift will initiate real transaction pilots for digital assets and currencies, focusing on post-trade settlement, foreign exchange settlement risk, and automated fiat payments [6][8] - The exploration of CBDCs is advancing globally, with 137 countries researching CBDCs, and 72 of them in advanced stages of development [7][8] Group 2: Blockchain Initiatives - At the 2025 Sibos conference, Swift announced the addition of a blockchain-based shared ledger to its technical infrastructure, extending its trusted network into the digital realm [3][9] - Swift is collaborating with over 30 global financial institutions to design and develop a shared digital ledger, with the first application focusing on real-time, round-the-clock cross-border payments [10] - The shared ledger will serve as a secure real-time record of transactions between financial institutions, integrating with existing systems while maintaining Swift's trust and compliance [10] Group 3: Cross-Border Payment Challenges - The future of cross-border payments faces challenges such as fragmentation risks and technological divergence, which could lead to increased transaction costs and inefficiencies [3][14] - Swift emphasizes the need for a unified protocol to mitigate the complexities arising from diverse local payment systems and standards [14] - Swift plays a critical role in promoting universal standards and facilitating interoperability among different technological frameworks to reduce industry fragmentation risks [14] Group 4: Strategic Goals and Innovations - Swift aims to enhance global interoperability and facilitate seamless value exchange between traditional and digital assets [7][11] - The organization is focused on achieving the G20 cross-border payment roadmap goals, targeting faster, cheaper, and more transparent global payments by 2027 [12] - Swift is also advancing the ISO 20022 migration, with most institutions completing the transition, and is now focusing on leveraging structured data for improved operational efficiency [12][13]