UBS и Chainlink запустили “мост на $100 триллионов”: как токенизация фондов меняет глобальные финансы

cryptonews.ruPublicado a 2025-11-03Actualizado a 2025-11-04

Инфраструктурный провайдер Chainlink и швейцарский банковский гигант UBS объявили о начальном внедрении решения, позволяющего фондам и финансовым институтам осуществлять подписки и выкуп токенизированных паёв через существующую банковскую инфраструктуру. Проект ориентирован на индустрию глобальных взаимных и фондовых инструментов с оценкой выше $100 трлн.

Решение использует Chainlink Runtime Environment (CRE), который принимает сообщения формата ISO 20022 от сети SWIFT. Эти сообщения автоматически инициируют действие «подписка / выкуп» на смарт-контракте токенизированного фонда.
Пилотный сценарий с UBS Tokenize позволил банку работать через привычные системы банковского мира (SWIFT) и одновременно взаимодействовать с блокчейном для выпуска или выкупа долей фонда.
Ключевой момент: институтам не требуется полностью менять инфраструктуру, поскольку новое решение «вставляется» в существующий процесс обработки сообщений и расчётов.

Почему это важно для индустрии

Глобальный фондовый рынок оценивается более чем в $100 трлн. Инструменты, которые позволяют токенизировать паи таких фондов и упростить подписку/выкуп, могут привести к коренному изменению структуры капиталов, ликвидности и распределения активов.
Технология объединяет преимущества блокчейна (автоматизация, прозрачность, программируемость) с существующей финансовой инфраструктурой (банковские системы, SWIFT, регулирование) — что делает её потенциальным мостом между криптоиндустрией и традиционными финансами.
Решение снижает операционные барьеры и издержки, связанные с ручными процессами подписки/выкупа, расчётами и проверками, что улучшает эффективность и уменьшает риски.

Партнёрство UBS и Chainlink знаменует собой важный шаг в развитии технологии токенизированных фондов и обещает сделать инвестиционные продукты более доступными и эффективными.
Если пилот позволит перейти к промышленному масштабированию, это может стать отправной точкой для интеграции блокчейн-технологий в глобальные рынки капитала, ранее оцениваемые в сотни триллионов долларов.

При этом инвесторам и участникам рынка стоит внимательно следить за тем, как будет развиваться нормативная база и какие реальные фонды первые применят новую технологию.

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