MetaMask, Robinhood và các nền tảng khác ra mắt OTL để chuẩn hóa các giao dịch tài chính trên chuỗi

The Huoxing Finance report states that on May 29, Open Transaction Layer (OTL) officially launched, aiming to establish a unified transaction coordination standard for on-chain finance. The project was jointly initiated by institutions including Fireblocks, MetaMask, Robinhood, Securitize, zerohash, Cross River Bank, and Checkout.com. OTL will provide open protocols for identity authentication, messaging, and transaction coordination, enabling compliant transactions between financial institutions, non-custodial wallets, and AI agents. The primary barrier to large-scale adoption of on-chain finance is not insufficient blockchain infrastructure, but rather the lack of a unified coordination layer. Currently, institutions must integrate separately with each counterparty, jurisdiction, and use case, leading to continuously rising costs. OTL is built upon existing standards such as W3C DID, IVMS101, ISO 20022, and CAIP-19, covering the entire transaction process including counterparty discovery, transaction coordination, compliance checks, and settlement. Other founding members include FalconX, MoonPay, WalletConnect, Wintermute, eToro, SoFi, as well as ecosystem organizations such as the TON Foundation, Solana Foundation, Sui Foundation, Polygon, and Monad Foundation.