Nghiên cứu của BIS cho thấy việc token hóa có thể cải thiện hiệu quả và bảo mật của các khoản thanh toán xuyên biên giới

The Mars Finance report, based on the latest research by Project Agorá, led by the Bank for International Settlements (BIS), shows that tokenization technology has the potential to significantly improve settlement speed and reconciliation efficiency in cross-border payments while reducing transaction failures and operational risks. The project involves BIS collaborating with seven central banks and over 40 financial institutions, including the Federal Reserve Bank of New York, Bank of England, Bank of Japan, and Swiss National Bank. The research concludes that tokenizing central bank reserves and commercial bank deposits can enable “atomic settlement” across currencies and jurisdictions, ensuring transactions are either completed simultaneously or fail simultaneously, thereby mitigating common credit and execution risks in cross-border payments. Currently, Project Agorá has completed its simulation testing phase and plans to move into the “real-value” transaction testing phase, exploring on-chain settlement applications for selected currencies and institutions in real fund environments.