JPMorgan запустил токен JPM Coin на блокчейне Base

cryptonews.ruPubblicato 2025-07-11Pubblicato ultima volta 2025-11-12

Один из крупнейших американских банков JPMorgan Chase & Co приступил к внедрению депозитной монеты JPM Coin (JPMD) для институциональных клиентов. Об этом пишет Bloomberg.

Токен работает на базе L2-сети Base от криптобиржи Coinbase, обеспечивая обработку платежей в режиме 24/7. Переводы занимают секунды вместо нескольких дней, характерных для традиционных банковских транзакций.

По словам глобального руководителя блокчейн-подразделения JPMorgan Навин Маллела, JPM Coin уже прошел тестовый период с участием Mastercard, Coinbase и B2C2.

Пилотная версия токена JPMD была анонсирована в июне. Банк уже зарегистрировал тикер JPME для потенциального запуска депозитной монеты с привязкой к евро.

Такие активы представляют собой цифровые версии вкладов клиентов в коммерческом банке. Они отличаются от «стабильных монет», обеспеченных корзиной ценных бумаг или фиатом.

В будущем JPM Coin может стать процентным активом и попасть под систему страхования вкладов. Монету планируют использовать в качестве залога на Coinbase.

«Мы считаем, что, хотя стейблкоины привлекают много внимания, для институциональных клиентов депозитные продукты предлагают убедительную альтернативу. Они могут приносить доход», — заявил Маллела.

Несмотря на активное развитие блокчейн-направления, объемы транзакций с цифровыми активами JPMorgan пока уступают «традиционным» операциям. Через сеть банка ежедневно проходит около $3 млрд, тогда как в обычном режиме платежей — порядка $10 трлн.

Аналогичные инициативы

Разработкой депозитного токена также занимается BNY Mellon. Руководитель казначейских услуг банка Карл Слабики отмечал, что такие активы могут помочь финансовым организациям «преодолеть ограничения устаревших технологий, упрощая перемещение депозитов и платежей в рамках их собственных экосистем».

В мае о запуске сервиса токенизированных депозитов для корпоративных клиентов в Гонконге и Сингапуре объявил банк HSBC. В сентябре финорганизация расширила продукт на рынки Великобритании и Люксембурга и добавила поддержку расчетов в местных валютах.

Напомним, в ноябре JPMorgan и DBS анонсировали блокчейн-систему для межбанковских переводов. Цель проекта — установить новый отраслевой стандарт для институциональных цифровых платежей.

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