蚂蚁国际联合国际掉期与衍生工具协会ISDA在新加坡发布跨境支付通证化存款行业框架

Core Viewpoint - The collaboration between Ant International and ISDA aims to promote the application of tokenized deposits in transaction banking, enhancing cross-border payments and foreign exchange settlements through digital upgrades [1][2]. Group 1: Industry Standards and Framework - The report outlines the design principles and industry standards for tokenized deposits, ensuring interoperability [4]. - It emphasizes the importance of risk management and practical use case validation in the implementation of tokenized deposits and shared ledger technology [3][4]. Group 2: Cost Reduction and Efficiency - Global enterprises incur approximately $120 billion annually in cross-border transaction fees, and the tokenization framework is projected to reduce these costs by 12.5%, potentially saving over $50 billion by 2030 [2]. - Ant International's Whale platform is expected to process over $1 trillion in transactions in 2024, significantly enhancing the speed and efficiency of cross-border payments [4][5]. Group 3: Future Developments and Applications - The Project Guardian initiative will continue to expand the application scenarios for shared ledger and tokenized deposits, aiming to integrate with existing banking systems and support various digital assets [7]. - Ant International and ISDA highlight the need for a unified industry framework to safely and efficiently utilize tokenized deposit technology, which is anticipated to reshape the cross-border payment and foreign exchange settlement landscape [7][8].