Citi и Swift успешно протестировали расчёты от фиатной валюты к цифровой

cryptonews.ruPublished on 2025-03-20Last updated on 2025-11-21

Banking-гигант Citi и глобальная межбанковская сеть Swift объявили об успешном завершении испытаний системы расчётов, которая позволяет проводить платежи от фиатной валюты к цифровой с синхронизацией в формате Payment-versus-Payment (PvP). Это один из наиболее значимых шагов по интеграции традиционной финансовой инфраструктуры с блокчейн-технологиями.

Что протестировали Citi и Swift

В рамках испытаний была реализована модель, которая сочетает:

  • существующую инфраструктуру Swift, уже подключённую к глобальной банковской системе;
  • блокчейн-коннекторы, связывающие банковские счета и цифровые реестры;
  • оркестраторы, управляющие логикой процессов и последовательностью операций;
  • смарт-контракты, обеспечивающие автоматические и гарантированные расчёты.

Задача эксперимента — добиться синхронизированного расчёта между фиатными и цифровыми активами таким образом, чтобы обе стороны сделки получали средства ровно в один момент времени, исключая риск непоставки.

Что такое PvP?

Payment-versus-Payment (PvP) — это механизм, при котором расчёт между двумя валютами происходит одновременно.
Этот формат:

  • исключает риск того, что одна сторона отправит средства, а другая — нет;
  • повышает безопасность международных платежей;
  • особенно важен в высокорискованных средах, связанных с цифровыми валютами и токенизацией активов.

Современные блокчейн-решения позволяют расширить PvP-модель на цифровые активы, CBDC и токенизированные валюты.

Прорыв в совместимости TradFi и блокчейна

Эксперимент показал:

Традиционные банки могут выполнять расчёты через блокчейн

Citi доказала, что существующая банковская инфраструктура может взаимодействовать с цифровыми реестрами без полной перестройки внутренних систем.

Swift может стать глобальным «координационным центром» цифровых валют

Вместо замены Swift, блокчейн стал дополнением, позволяющим использовать сеть как точку синхронизации для разных цифровых и фиатных систем.

Универсальные коннекторы и смарт-контракты ускоряют расчёты

Механизм полностью автоматизирован, что снижает операционные риски и позволяет проводить расчёты почти в реальном времени.

Что это означает для будущего финансов

Эксперты считают, что подобные испытания — это подготовка к инфраструктуре CBDC, токенизации активов и цифровым финансовым инструментам, которые потребуют точного, быстрого и безопасного взаимодействия стран и банков.

Инициатива Citi и Swift показывает направление развития отрасли:

  • цифровые валюты будут использоваться в международных расчётах;
  • банки будут взаимодействовать с блокчейн-сетями напрямую;
  • Swift станет критическим мостом между разными системами, включая токенизированные активы, стейблкоины и CBDC.

Перспективы развития

Следующим этапом может стать:

  • расширение количества банков-участников;
  • тестирование PvP-расчётов с токенизированными активами (RWA);
  • подключение национальных цифровых валют (CBDC);
  • использование смарт-контрактов для более сложных условий платежей.

Этот эксперимент подтверждает: глобальная финансовая система уже входит в эпоху гибридных расчётов, где фиат и цифровые валюты функционируют синхронно.

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