在全球经济脉络中，跨境支付如同血液，其流转的速率与成本直接决定着商业体的活力与健康。近年来，尽管全 球商品、数据与人员的流动已高度一体化，但支撑这一切的金融支付网络，却仍深陷于半个世纪前构建的框架之 中，日益显现出与数字时代脱节的疲态。变革的呼声与技术的浪潮正合力冲击着旧有体系，一场静默而深刻的重 构已悄然启幕。 规模与痛点：万亿市场下的效率困局 根据麦肯锡的数据，2022年全球跨境支付流总量惊人地达到了约150万亿美元，其中近九成源于企业间的商业活 动。如此庞大的资本流动，本应是全球贸易繁荣的引擎，然而，其背后却隐藏着长期未能解决的结构性痛点。 传统的跨境支付，尤其是服务于国际贸易的结算，严重依赖基于代理行模式的SWIFT电报网络。这套系统如同一 座由无数中间环节搭建的"金融巴别塔"，每一笔汇款或贸易结算都需要经过汇出银行、中间代理行、收汇银行等 多重关卡。每一个环节都意味着独立的人工审核、合规筛查、资金清算和对账，这不仅导致了高昂的手续费（通 常为交易额的1%-3%，加上不透明的汇率加价），更造成了漫长的处理周期——普通电汇平均需要2-5个工作日， 而复杂的信用证结算则可长达30至45天。 对于全球数以千 ...

🇪🇺 LATEST: The EU Council has endorsed the ECB’s digital euro design, backing both online and privacy-focused offline versions. https://t.co/CTi4wQEDfT ...

RT Jon Rice (@JonRice)As the first guest on the new podcast 'Not Dead Yet' discussing cypherpunk values, I argue that social media has been a precursor to a CBDC.We have been conditioned to 'allow all' and not question why we carry a surveillance tool in our pockets at all times.This is literally what a CBDC would be - a tool for total surveillance - and we, as a society, have become so used to the idea that we are the product, we trade our data and privacy for convenience, that a CBDC is no longer a stretc ...

来源：市场资讯 3.日本央行如期将利率上调至 0.75%，创 30 年新高 日本央行将基准利率上调至 30 年来的最高水平。日本央行行长植田和男称，该行政策委员会一致决定 将利率上调 0.25 个百分点至 0.75%，理由是，其经济展望实现的可能性越来越大。在声明发布后不 久，日元兑美元走弱，在 156 日元附近交易，这表明市场已经完全消化了加息的影响。 4.WSJ：Terraform Labs 清算管理人起诉 Jump Trading，索赔 40 亿美元 正在负责清算 Terraform Labs 残余资产的管理人，正向 Jump Trading 提起诉讼，指控这家高频交易巨头 非法获利并对该加密帝国的崩溃负有责任，并寻求 40 亿美元赔偿。由破产法院任命的方案管理人 Todd Snyder 正向 Jump Trading 及其联合创始人 William DiSomma，以及曾从实习生成长为 Jump 加密业务负 责人、现已离职的 Kanav Kariya 提起诉讼。 5.David Sacks：CLARITY 法案将于 1 月进入参议院修订审议 （来源：吴说） 1.美联储 John Williams：当前 ...

Rep. Keith Self Moves to 'Fix the Bill' With CBDC Ban Before Key Hearing► https://t.co/ktDicrVNZQ https://t.co/ktDicrVNZQ ...

🚨 A quick recap for those who missed the AMA: we discussed AMAL/IQ-EQ’s global presence, their joint CBDC work with Redbelly under the RBA pilot, and how tokenization is being applied to securitization and fund services.Catch the replay with @RedbellyNetwork here:Cointelegraph (@Cointelegraph):How AMAL/IQ-EQ and Redbelly Are Modernizing Asset Lifecycles [Brought to you by @RedbellyNetwork]https://t.co/CBwc5Sy4xW ...

Marjorie Taylor Greene Claims 'CBDC Loophole Remains' in GENIUS Act► https://t.co/IWqfSZ53oi https://t.co/IWqfSZ53oi ...

LATEST: 🇿🇦 The South African Reserve Bank says in a new paper that there is no immediate need for a retail CBDC, instead arguing the country should modernize its payments system to address various gaps. https://t.co/xXCkTEl1QX ...

RT Resist CBDC (@Resist_CBDC)https://t.co/aB1YygSgOe ...

🇮🇳 LATEST: India is weighing a stablecoin framework in its 2025–2026 Economic Survey, even as the RBI urges a cautious stance and pushes CBDC plans. https://t.co/OeNjLf4avy ...