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FollowingSeven major banks in the UK complete real-time trading of tokenized pound deposits
Seven leading banks in the UK, including Barclays Bank, HSBC UK Branch, Lloyd Banking Group, Monzo, National Mutual Bank, NatWest and Santander Bank, have successfully used tokenized pound deposits to complete real customer transactions. The move is part of the British Tokenized Deposits Project coordinated by the UK Finance and demonstrates the potential for banks to introduce programmable functions to traditional currencies without creating independent stablecoins.
Banks test programmable deposits
As major players in the UK financial industry, these banks are collaborating in a pilot project to explore the advantages of tokenizing and programmability ordinary bank deposits. London-based blockchain technology company Quant has developed a shared platform to support these transactions.
The initial test case included two re-mortgages of completed businesses and payment behavior in the consumer market. In these examples, funds are automatically locked and released after predetermined conditions are met, demonstrating the ability to implement programmable payments within traditional banking systems.
Once all agreed conditions are met, funds in tokenized deposits can be "automatically locked and released", indicating that conditional payment functions can be introduced to standard deposits without relying on stablecoins. This ability has sparked deep thinking about the future need for stablecoins, especially as traditional banks start experimenting with similar programmable functions on ordinary deposits.
稳定币与代币化存款：关键差异
尽管代币化存款和稳定币在技术上可能存在相似之处，但它们在法律地位和风险方面存在根本区别。代币化存款仍然是对传统商业银行的债权主张，而稳定币通常代表对由储备资产支持的独立发行人的债权主张。这种法律区分已成为围绕稳定币和代币化银行货币角色持续辩论的核心议题。
通过实现更快的结算和可编程支付，银行能够将客户存款保留在现有的金融框架内。然而，稳定币在公共区块链网络之间以及不同银行的用戶之间具有更高的可移植性，这促进了稳定币在交易、跨境支付和资金管理运营中的增长。
相比之下，代币化存款依赖于参与银行之间的互操作性和共享基础设施。此次英国试点的重要意义在于，七家著名且往往相互竞争的大型机构能够在这种基础设施上开展合作。
代币化英镑存款的下一步计划
英国金融协会报告称，未来的试点将专注于将代币化法定货币与数字资产整合，并使用代币化存款测试数字债务工具的结算。这些试点旨在解决数字资产领域的一个关键挑战：即需要数字形式的现金来结算代币化资产的交易。
通过推进这些技术，参与银行希望在保持传统银行业务原则和安全性的同时，使结算基础设施现代化。
小词典
Quant：一家总部位于伦敦的技术公司，专门从事区块链互操作性开发，并为金融机构构建企业级网络。
