AMINA Bank и Crypto Finance протестировали DLT-инфраструктуру Google для почти мгновенных фиатных платежей

cryptonews.ruPublished on 2025-09-25Last updated on 2025-11-26

Google Cloud Universal Ledger успешно прошел тестирование для банковских расчетов.
Пилотный проект провели AMINA и Crypto Finance Group.
Компании завершили ключевой этап модернизации платежей.

Швейцарская банковская группа AMINA и компания Crypto Finance Group, вместе с рядом банков-партнеров, завершили успешный пилотный проект на платформе Google Cloud Universal Ledger (GCUL), который демонстрирует, как распределенная технология реестров (DLT) может модернизировать транзакции в нескольких валютах, трансграничные платежи и расчеты на местах продаж.

Согласно заявлению, пилот позволил осуществлять почти мгновенные, доступные круглосуточно расчеты в фиатных валютах между швейцарскими финансовыми учреждениями, сохраняя при этом традиционные стандарты безопасности и регуляторного соответствия.

Проект направлен на решение ключевых проблем глобальных платежных систем, где международные транзакции до сих пор могут обрабатываться днями и сопровождаются высокими комиссиями, говорится в сообщении.

Команда продемонстрировала, что, используя DLT как инфраструктуру, но сохраняя расчеты в обычных банковских деньгах, можно модернизировать платежи без создания новых форм цифровой валюты и без изменения действующих правил.

Генеральный директор AMINA Bank Франц Бергмюллер отметил потенциал решения:

«GCUL от Google Cloud является доказательством того, что инновации и стабильность не противоречат друг другу. Благодаря этому пилотному проекту мы обеспечили возможность осуществления расчетов в режиме почти реального времени и в соответствии с требованиями действующего банковского законодательства. Глобальный охват AMINA и существующая сеть институциональных партнеров дают нам уникальную возможность масштабировать этот пилотный проект на глобальном уровне и продемонстрировать способность DLT трансформировать глобальную финансовую систему».

CEO Crypto Finance Group Стейн Вандер Стратен подчеркнул важность разработанной модели для криптоинфраструктуры:

«Этот пилотный проект демонстрирует, как мы совместно создаем финансовые рынки нового поколения. Как валютный оператор этого пилотного проекта, мы можем создать надежную основу для цифровых платежей и токенизированных активов. Успех этого пилотного проекта укрепляет позиции Швейцарии как ведущего центра цифровых финансовых инноваций».

В пилоте Crypto Finance Group выступила валютным оператором, определяя правила транзакций, сопровождая банки-участники и контролируя соответствие процессов стандартам программы.

Расчеты и выполнение платежей осуществляли непосредственно финансовые учреждения, а AMINA Bank интегрировала инфраструктуру GCUL в свои ключевые бэкэнды, обеспечив мгновенные операции для выбранных клиентов без изменений в их привычном взаимодействии с банком.

Президент и CRO Google Cloud Мэтт Реннер отметил:

«Мы гордимся тем, что поддерживаем видение Швейцарии в отношении финансовой инфраструктуры нового поколения. Облачная инфраструктура обладает способностью трансформировать финансовые услуги, соблюдая при этом нормативные требования. Пилотный проект AMINA Bank и Crypto Finance демонстрирует, как передовые технологии могут способствовать почти мгновенным, безопасным и соответствующим требованиям работающим платежам».

Технология GCUL обеспечивает круглосуточные транзакции в реальном времени для традиционных денег и активов, интегрируясь в действующие банковские системы без влияния на депозитную базу или кредитные операции. Это открывает путь к новым банковским услугам на базе DLT и облачных технологий Google.

Успешное завершение тестирования создает основу для более широкого внедрения. Следующая фаза предусматривает:

подключение больше финансовых учреждений;
переход от контролируемых тестов к работе в реальных условиях;
развитие функционала, включая трансграничные платежи и POS-интеграции для пользователей.

Напомним, что в начале ноября 2025 года AMINA получила банковскую лицензию MiCA.

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